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Savings Rates

Savings Rates as of 9/26/2018 APR APY (Annual percentage yield)
6 Month CD 0.45% 0.45%
12 Month CD 0.80% 0.80%
18 Month CD 1.00% 1.00%
Jumbo 18 Month CD 1.60% 1.61%
24 Month CD 1.15% 1.15%
36 Month CD 1.30% 1.31%
48 Month CD 1.55% 1.56%
60 Month CD 1.85% 1.86%
Jumbo 60 Month CD - $25,000.00 minimum 2.10% 2.12%
Rates are subject to change at any time.

Loan Rates

Reward Based Pricing

A+ 730 +
A 680-729
B 630-679
C 581-629
D 550-580
E 549-500
E2 499-475
  475 & Lower - Ineligible
Approved 12/26/2018
Reviewed 12/26/2018
Years rolled down 4/1/2018
Share Secured 5%
Stock Secures 10%
CD Secured 2% over
All rates reflect .25% discount for electronic payments
Share Secured, Stock Secured, and Share Certificate Secured Rates remain the same.
Unsecured Loans
Starting at
  One Year   Loan Limit Debt Ratio
A+ base - 1.00%-1-2 Yr 7.25% $5,000.00 to 40%
New Vehicle Rates $30K or over
starting at
  100% 3 Years   5 Years 6 Years 7 Years
A+ base 3.50%   3.75% 4.00% 4.25%
May loan up to 120% of KBB $30K or over
Used Vehicle 2017-2011   2010 & Older
  starting at 4 years 5 or more Yrs > $20,000.00 3 Years 5 or more Yrs > $20,000.00
A+ base 4.25% 4.50% minus .50 5.25% 5.50%
Used Motorcycles
  starting at starting at
  2017-2007 (100%) 2006 & older (90%)
  3 years or more 3 Years
A+ base - .50% 6.75%   9.75%
Boats, Travel Trailers & ATV's
  starting at starting at
  NEW (100%) Used (90%)
  2 years or more
A+ base - .50% 10.25%   base - .50% 11.25%


Fee Schedule

5% Penalty on Withdrawals from Club Accounts
Fee Schedule-effective November 2017  
Missouri Title Fee $15.00
Missouri UCC Fee $10.00
Kansas Title Fee $15.00
Kansas UCC Fee $10.00
Credit Report $12.00 Single/$24.00 Double
Loan Application $15.00
Notice of Security Interest Filing-Kansas $15.00
Notice of Security Interest Filing-Missouri $15.00
Late Loan Payment Fee $10.00 or $5.00 if less than $25 payment
Share Withdrawals over three times per month $5.00
Returned Item Fee $30.00
Stop Payment $20.00 per item
One Time ACH Transaction $4.00 ($5.00 same day)
Paper Statement Fee, per quarter $1.25
Research Accounts, per hour & minimum $25.00
New Card $5.00
New PIN $2.00
ATM Fee First $5 free
Deposit Item Returned $20.00
NSF transfer fee $5.00 per item
Temporary Checks $5.00 for 10 (First 10 free upon opening account)
Early Checking account closing $10.00
Inactive account fee $5.00 per quarter
CARFAX $32.00
Visa Gift Card $4.00
Bad Address Fee $5.00