Rates effective July 1st, 2015

APY = Annual Percentage Yield.

Fees may reduce earnings.


REWARD Checking*APYInterest Rate
Balances between $0.01 – $25,0000.80%0.80%
Balances over $25,0000.15%0.15%
Non-Qualifying Rate0.05%0.05%


To earn rewards on REWARD Checking, simply do the following during the monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and receive e-Statement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into online banking

* Minimum balance to open is $50.

Additional Checking RatesAPYInterest Rate
MMD Checking†

$0 - $9,999.05%.05%
$10,000 - $49,999.15%.15%
$50,000 and above.25%.25%
NOW Checking†.05%.05%
Hometown Advantage†

Minimum balance required to obtain APY is $1,200

Savings Account†.10%.10%

†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.05%.05%$1000
6 Month.10%.10%$500
1 Year.20%.20%$500
2 Year.55%.55%$500
3 Year.75%.75%$500
4 Year1.00%1.00%$500
5 Year1.21%1.20%$500
Variable IRA-18 month

This rate may change after account is opened.

16 month.75%.75%$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