Rates
Certificate of Deposit
Current Rates as of March 31, 2025
| Maturity Type | Interest Rate % | Annual Percentage Yield (APY) | Minimum Balance to Open ($) | Compounding Frequency | Early Withdrawal Penalties** |
|---|---|---|---|---|---|
| 3 Month | .50 | .50 | 500 | Semi-Annually | 90 Days |
| 6 Month | 1.75 | 1.76 | 500 | Semi-Annually | 90 Days |
| 9 Month Special | 2.00 | 2.01 | 500 | Semi-Annually | 90 Days |
| 12 Month | 2.00 | 2.01 | 500 | Semi-Annually | 180 Days |
| 18 Month | 2.00 | 2.01 | 500 | Semi-Annually | 180 Days |
| 24 Month | 2.00 | 2.01 | 500 | Semi-Annually | 180 Days |
| 30 Month | 2.25 | 2.26 | 500 | Semi-Annually | 180 Days |
| 48 Month | 2.35 | 2.36 | 500 | Semi-Annually | 180 Days |
| Account Type | Interest Rate*** % | Annual Percentage Yield (APY)* | Minimum Balance to Open ($) | Minimum Balance to Earn stated (APY) |
|---|---|---|---|---|
| Now Account*** | .10 | .10 | 500 | 0.00 |
| Super Now Account*** | .15 | .15 | 1000 | 0.00 |
| MMA Account*** | .15 | .15 | 1000 | 0.00 |
| Hi Performance MMA Account**** | ||||
| Tier 1*** | .15 | .15 | 10,000 - 74,999.99 | 0.00 |
| Tier 2*** | .20 | .20 | 75,000.00 | 75,000.00 + |
| Savings Account*** | .25 | .25 | 25.00 | 0.00 |
*The Annual Percentage Yield assumes funds will remain on deposit for a full year at the advertised rate.
** Funds must remain on deposit until maturity to earn the advertised yield. Substantial penalty may apply for early withdrawals. For more information about penalties, please contact us at 620-628-4425
*** This is a variable rate account. The interest rate and APY may change at any time after the account is opened. Fees could reduce earnings for the applicable accounts.
****If your daily balance is $75,000.00 or more, the interest rate paid on the entire balance in your account will be at the tier two rate. If you daily balance is $74,999.00 or less, the interest rate paid on the entire balance will be at the tier one rate.