Rates effective December 11th, 2018

APY = Annual Percentage Yield.

Fees may reduce earnings.


SmartPoint Checking*APYInterest Rate
Balances between $0.01 - $20,0001.00%1.00%
Balances over $20,000.05%.05%


To earn interest on SmartPoint Checking, simply do the following monthly:

  • Have direct deposit(s) totaling at least $100 post and settle during monthly statement cycle
  • Minimum daily balance of $1500 required to earn interest

Additional Checking RatesAPYInterest Rate
Money Market Checking*

$0 - $9,999.05%.05%
$10,000 - $49,999.15%.15%
$50,000 and above.25%.25%

Other RatesAPYInterest Rate
1893 Savings Account & Junior Savings Account*.15%.15%

*Minimum balance to open is $50.

  • CD & savings Annual Percentage Yields are based on quarterly compounding
  • Checking Annual Percentage Yield is based on monthly compounding
  • Fees could reduce earnings on the accounts
  • Interest rate and annual percentage yield may change on variable rate accounts

Contact an employee for further information about applicable fees and terms at (660) 385-3161.

Certificates of Deposit & IRAs

TermAPYInterest RateMinimum Balance^
91 Days.25%.25%$1000
6 Month1.06%1.05%$500
22 Month Special 2.52%2.50%$500
1 Year1.26%1.25%$500
2 Year1.51%1.50%$500
3 Year1.61%1.60%$500
4 Year1.81%1.80%$500
5 Year2.52%2.50%$500
Variable IRA-18 month

This rate may change after account is opened.

16 month Special 2.17%2.15%$500

^Minimum balance required to open account and obtain Annual Percentage Yield.

  • Fixed rate IRA's are subject to above rates
  • Substantial penalty for early withdrawal