Savings Rates
IRA Investment Savings
Traditional, Roth & Educational IRAs - paid quarterly, just $250 minimum balance, add to with Payroll Deposit! IRA Savings rates quoted paid through March 31, 2013.
| Savings Amount | Interest Rate | APY |
|---|---|---|
| 50,000.00 - MORE | 1.12 % | 1.12 % |
| 0 - 49,999.99 | 0.12 % | 0.12 % |
Certificates of Deposit
IRA or Traditional CDs paid quarterly on anniversary date.
Traditional Certificate of Deposit or Educational IRA or Roth IRA Certificate of Deposit
| Maturity Term (Minimum Amount) |
PLUS/ULTRA Advantage Level | |
|---|---|---|
| Interest Rate | APY | |
| 60 Month ($500 min) | 1.05 % | 1.05 % |
| 48 Month ($500 min) | 0.75 % | 0.75 % |
| 36 Month ($500 min) | 0.55 % | 0.55 % |
| 24 Month ($500 min) | 0.30 % | 0.30 % |
| 18 Month ($500 min) | 0.25 % | 0.25 % |
| 12 Month ($500 min) | 0.20 % | 0.20 % |
| 06 Month ($500 min) | 0.15 % | 0.15 % |
| 03 Month ($500 min) | 0.10 % | 0.10 % |
Payroll Deposit Certificate of Deposit (PDCD)
Open & add to your PDCD with convenient Payroll Deposit!
Low minimum to start, low minimum to add!
| Maturity Term (Minimum Amounts) |
PLUS/ULTRA Advantage Level | |
|---|---|---|
| Interest Rate | APY | |
| 60 Month ($20 min per month) | 1.05 % | 1.05 % |
| 48 Month ($20 min per month) | 0.75 % | 0.75 % |
| 36 Month ($20 min per month) | 0.55 % | 0.55 % |
| 24 Month ($20 min per month) | 0.30 % | 0.30 % |
| 18 Month ($20 min per month) | 0.25 % | 0.25 % |
Money Market Account
(paid monthly)
| Amount | Interest Rate | APY |
|---|---|---|
| $100,000.00 - MORE | 0.40 % | 0.40 % |
| $50,000.00 - 99,999.99 | 0.30 % | 0.30 % |
| $25,000.00 - 49,999.99 | 0.20 % | 0.20 % |
| $10,000.00 - 24,999.99 | 0.15 % | 0.15 % |
| $1,000.00 - 9,999.99 | 0.10 % | 0.10 % |
Savings Plan
(paid monthly)
Basic Savings, Special Savings, Kirby Kangaroo Club Savings, and New Attitudes Club
| Savings Amount | Interest Rate | APY |
|---|---|---|
| $250 OR MORE | 0.10 % | 0.10 % |
Ultra Checking - Reverse Tier Account
(paid monthly)
| Amount | Interest Rate | APY |
|---|---|---|
| Avg. Daily Balance $0.01 - $1,000 | 2.25 % | 2.27 % |
| Avg. Daily Balance >$1,000 | 0.10 % | 0.10 % |
Checking Plus & Second Checking Accounts
(paid monthly)
| Amount | Interest Rate | APY |
|---|---|---|
| Avg. Daily Balance >$1,000 | 0.10 % | 0.10 % |
Disclosure
All rates quoted include Annual Percentage Yields and are accurate as of the first business day of each calendar month. Rates and terms are subject to change without notice after the account is opened. A penalty may be imposed for withdrawals before maturity on time (term) accounts. Fees could reduce the earnings on the account, if applicable. Call (573) 874-1477 Columbia or (573) 635-8007 Jefferson City or (800) 451-1477 Toll-free (Outside of Columbia or Jefferson City only) for current rates and terms.
Your savings now privately insured for an additional $250,000 for a total insured coverage of $500,000!