Checking & Savings Interest Rates
(Rates subject to change without notice)
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of March 31, 2025.
For current rate information, call (785) 295-2100.
We do not accept out of state deposits or Brokered deposits.
Interest rate and annual percentage yield may change after account opening.
| ACCOUNT TYPE | MINIMUM BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD |
|---|---|---|---|
| Relationship Checking** | $100.00 to open | 0.05% | 0.05% |
| Growth Savings** | up to $99.99 $100.00-$499.99 $500.00-$999,999,999.99 | 0.15% 0.15% 0.25% | 0.15% 0.15% 0.25% |
| Regular Savings** | $100.00 to open | 0.15% | 0.15% |
| Personal NOW Checking** | $100.00 to open | 0.05% | 0.05% |
| Gold Medallion NOW Checking** | $100.00 to open | 0.05% | 0.05% |
| Diamond NOW Checking** | up to $24,999.99 $25,000.00-$49,999.99 $50,000.00-$999,999,999.99 | 0.05% 0.40% 0.60% | 0.05% 0.40% 0.60% |
| Money Market Investment** | up to $4,999.99 $5,000.00-$9,999.99 $10,000.00-$14,999.99 $15,000.00-$19,999.99 $20,000.00 and up | 0.05% 0.20% 0.25% 0.25% 0.30% | 0.05% 0.20% 0.25% 0.25% 0.30% |
| Money Market Maximum** | up to $29,999.99 $30,000.00-$49,999.99 $50,000.00-$74,999.99 $75,000.00-$99,999.99 $100,000 and up | 0.05% 0.60% 0.70% 0.80% 0.90% | 0.05% 0.60% 0.70% 0.80% 0.90% |
| Silver Savings** | up to $4,999.99 $5,000.00-$9,999.99 $10,000.00-$19,999.99 $20,000.00-$999,999,999.99 | 0.05% 0.25% 0.30% 0.40% | 0.05% 0.25% 0.30% 0.40% |
| Super Savings Account** | up to $29,999.99 $30,000.00-$49,999.99 $50,000.00-$74,999.99 $75,000.00-$99,999.99 $100,000-$999,999,999.99 | 0.05% 0.45% 0.50% 0.60% 0.60% | 0.05% 0.45% 0.50% 0.60% 0.60% |
| Business Interest Checking** | up to $99,999.99 $100,000.00-$249,999.99 $250,000-$999,999,999.99 | 0.25% 0.50% 0.75% | 0.25% 0.50% 0.75% |
| Lawyers Trust Checking** | $100.00 to open | 0.10% | 0.10% |
Certificate of Deposit Interest Rates
If you maintain a loan or deposit accounts other than CD’s or IRA’s of more than $5,000 that have been with us for at least six (6) months, we will pay you .25% APY higher than our posted rates of CD’s or IRA’s with a term of 11 months or greater. We reserve the right to limit the amount of deposits for which we will pay this rate. This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer. We do not accept brokered, out of the area, or other financial institution’s deposits. For the 27 Month Rate Watcher and CD’s that allow additional deposits, we will limit the maximum amount to $99,000.00 per customer.
| CD TERM | MINIMUM DEPOSIT | INTEREST RATE | APY* |
|---|---|---|---|
| 11 Month CD Special* | $ 1,000.00 | 3.56% | 3.61% |
| 30 - 90 days* | $ 1,000.00 | 0.05% | 0.05% |
| 91 - 181 days* | $ 1,000.00 | 0.25% | 0.25% |
| 182 - 364 days* | $ 1,000.00 | 0.25% | 0.25% |
| 12 - 17 months* | $ 1,000.00 | 1.25% | 1.26% |
| 18 - 23 months* | $ 1,000.00 | 1.25% | 1.26% |
| 24 - 35 months* | $ 1,000.00 | 1.30% | 1.31% |
| 36 - 47 months* | $ 1,000.00 | 1.35% | 1.36% |
| 4 years* | $ 1,000.00 | 1.40% | 1.41% |
| 5 years* | $ 1,000.00 | 1.25% | 1.26% |
| Add-N-Earn 24 month* | $ 1,000.00 | 1.30% | 1.31% |
| 27 month Rate Watcher*,** | $ 1,000.00 | 2.76% | 2.79% |
| 18 month Time Deposit Open Account (TDOA)* | $ 100.00 | 1.25% | 1.26% |
*A penalty may be imposed for early withdrawal.
**The Interest Rate and Annual Percentage Yield may change after account opening.
Fees could reduce the earnings on the account.
Interest Rates and Annual Percentage Yields are current as of March 31, 2025.
For current rate information, call (785) 295-2100.