Interest Rates
Certificate Of Deposit Rates
Rates effective as of 01/01/2012
|
| Certificates |
Minimum Balance to Open |
Interest Rate* |
Annual Percentage Yield (APY) |
| 03 Month CD |
$1,000.00 |
0.25% |
0.25% |
| 06 Month CD |
$1,000.00 |
0.35% |
0.35% |
| 12 Month CD |
$1,000.00 |
0.60% |
0.60% |
| 18 Month CD |
$1,000.00 |
0.85% |
0.85% |
| 24 Month CD |
$1,000.00 |
0.95% |
0.95% |
| 30 Month CD |
$1,000.00 |
1.10% |
1.10% |
| 36 Month CD |
$1,000.00 |
1.35% |
1.35% |
| 48 Month CD |
$1,000.00 |
1.60% |
1.61% |
| 60 Month CD |
$1,000.00 |
1.85% |
1.86% |
| Additions are not allowed during the term of the Certificate of Deposit. Withdrawals of principal may be subject to penalty. Rates are subject to change daily. |
Deposit Rates
Rates effective as of 01/01/2012
SAVINGS ACCOUNTS
|
| Account Type |
Minimum Balance to Open |
Minimum Balance To Obtain the APY |
Interest Rate* |
Annual Percentage Yield (APY) |
| Passbook Savings |
$50.00 |
$25.00 |
0.40% |
0.40% |
| IRA Savings |
|
|
1.25% |
1.25% |
| Prime Time Money Market Account |
$ 10,000.00 |
$ 1,000.00 |
0.20% |
0.20% |
|
$ 25,000.00 |
$ 10,000.00 |
0.30% |
0.30% |
|
$ 50,000.00 |
$ 25,000.00 |
0.40% |
0.40% |
|
$ 50,000.00 |
$ 50,000.00 |
0.45% |
0.45% |
| Over |
$500,000.00 |
$500,000.00 |
0.50% |
0.50% |
CHECKING ACCOUNTS
|
| Account Type |
Minimum Balance to Open |
Minimum Balance to Obtain the APY |
Interest Rate* |
Annual Percentage Yield (APY) |
| Super Now Accounts |
$ 1,000.00 |
$ 1,000.00 |
0.20% |
0.20% |
|
$25,000.00 |
$ 5,000.00 |
0.25% |
0.25% |
| Over |
$25,000.00 |
$25,000.00 |
0.35% |
0.35% |
| *For interest earning accounts the rate is variable and may change after the account is opened. |
Mortgage Loan Rates
Rates effective as of
|
| Call one of our Mortgage Lenders today for home loan rates! |
|
| WARDSVILLE |
573-635-0019 |
| Shelly M. Schwartz-Pierson - (NMLS# 628318) |
573-635-0089 ext. 115 |
| Kelly VanLoo - (NMLS# 628321) |
573-635-0089 ext. 116 |
|
|
| HOLTS SUMMIT |
573-896-4790 |
| Lynne Bateman - (NMLS# 628309) |
573-635-0089 ext. 402 |
| Brenda Leydens - (NMLS# 628315) |
573-635-0089 ext. 401 |
| Larry Underhill - (NMLS# 628320) |
573-635-0089 ext. 404 |
| BELLE |
573-859-3399 |
| Vicki Nelson - (NMLS# 628317) |
573-635-0089 ext. 514 |
| LINN |
573-897-2211 |
| Steve Brune - (NMLS# 628311) |
573-635-0089 ext. 302 |
| Brian Hoskins - (NMLS# 628313) |
573-635-0089 ext. 303 |
| META |
573-229-4256 |
| Scott Juergensmeyer - (NMLS# 628314) |
573-635-0089 ext. 202 |
| *Conventional, FHA & USDA loans available |
| **Equal Housing Lender |
| **Member FDIC |
| |
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FeesThe following fees may be assessed against your account and the following transaction limitations, if any, apply to your account: |
| ATM Cash Withdrawal @ Foreign ATM |
$1.00 / Transaction |
| Replacement of Debit Card |
$5.00 / Card |
| Replacement of PIN Number |
$5.00 / Card |
| Check Printing |
(Fee Depends on Style of Checks Ordered) |
| Cashier's Check Purchase |
$1.00 / Check |
| Counter Checks |
$1.00 / Page |
| Stop Payment Request |
$10.00 / Item |
| Domestic Wire Transfer Request |
$10.00 / Wire |
Overdraft Fee
(Aggregate sum of Overdraft less than $15.00, no charge, Maximum Daily Fee for Overdraft and/or Return Items $125.00) |
$25.00 / Item |
Return Item Fee
(Aggregate sum of Overdraft less than $15.00, no charge, Maximum Daily Fee for Overdraft and/or Return Items $125.00) |
$25.00 / Item |
Dormant Account Fee - Savings
(Account considered dormant if no activity for 18 months, Fee charged Semi-annually if the balance falls below $50.00) |
$10.00 |
Dormant Account Fee - Checking
Account considered dormant if no activity for 12 months, Fee charged monthly if the balance falls below $25.00) |
$1.00 |
| Copy of Past Statements |
$5.00 / Statement |
| Copy of Current Activity/Statement |
$1.00 / Page |
| Copy of Imaged Checks |
$1.00 / Page |
| Non-Customer Coin Exchange |
8% of Total Amount |
| Non-Customer Cashing On-Us Check(s) above $5,000.00 |
1% of Total Amount |
|
