Rates
| CERTIFICATES OF DEPOSIT/INDIVIDUAL RETIREMENT ACCOUNTS* |
|---|
| |
CD |
IRA |
|
|
| TERM |
RATE |
RATE |
APY** |
MINIMUM DEP |
| 91 DAYS |
0.25% |
N/A |
0.25% |
$500.00 |
| 182 DAYS |
0.40% |
N/A |
0.40% |
$500.00 |
| 12 MONTHS |
0.55% |
0.55% |
0.55% |
$500.00 |
| 18 MONTHS |
0.70% |
0.70% |
0.70% |
$500.00 |
| 24 MONTHS |
0.80% |
0.80% |
0.80% |
$500.00 |
| 36 MONTHS |
1.00% |
1.00% |
1.00% |
$500.00 |
| 48 MONTHS |
1.24% |
1.24% |
1.25% |
$500.00 |
| 60 MONTHS |
1.49% |
1.49% |
1.50% |
$500.00 |
| MONEY MARKET ACCOUNTS |
|---|
| Money Market Personal & Business |
| No minimum balance requirement. Six withdrawals per month, by check or by telephone transfer, unlimited in bank transfers. |
| |
RATE |
|
APY** |
|
| |
0.400% |
|
0.400% |
|
| Premier Money Market Personal & Business |
| $2500.00 required at account opening and to avoid a monthly service fee. Six withdrawals per month, unlimited in bank transfers. |
| |
RATE |
|
APY** |
|
| $1-$10,000.00 |
0.400% |
|
0.400% |
|
| $10,001.00-$25,000.00 |
0.500% |
|
0.500% |
|
| $25,001.00-$50,000.00 |
0.500% |
|
0.500% |
|
| $50,001.00-$100,000.00 |
0.600% |
|
0.600% |
|
| $100,001.00 and over |
0.600% |
|
0.600% |
|
|
|
| KCB Choice |
RATE |
|
APY** |
|
| |
0.100% |
|
0.100% |
|
| KCB Elite |
| 0 - $2,500.00 |
0.150% |
|
0.150% |
|
| $2,500.01 - $10,000.00 |
0.400% |
|
0.400% |
|
| $10,000.01 - $25,000.00 |
0.500% |
|
0.500% |
|
| $25,000.01 and over |
0.550% |
|
0.550% |
|
| KCB Classic |
| |
0.400% |
|
0.400% |
|
| Health Savings Account (HSA) |
| |
1.980% |
|
2.000% |
|
| Savings |
| |
0.400% |
|
0.400% |
|
| Speed Savers (Minor Savings) |
| 0 - 1000.00 |
1.000% |
|
1.000% |
|
| 1000.01 and up |
0.400% |
|
0.400% |
|
* A penalty may be imposed for early withdrawal.
** Interest rates and Annual Percentage Yields are current as of the date shown below and are subject to change daily. Fees could reduce earnings.
For more rate information, please call a Financial Service Representative at 816-628-6050.
Updated 02/17/2012
Consumer Loan Rates
| |
APR |
|
| Vehicles |
4.76 – 6.61% |
|
| Boats |
6.26 – 8.11% |
|
| Motorcycles |
7.76 – 9.61% |
|
| |
|
|
| CD or savings Secured Call for Rates |
| New Home Construction |
6.50% |
|
| Vacant Land or Lot |
7.00% |
|
| Home Equity Line of Credit |
6.00% floor |
|
| Mortgage 1st or 2nd |
6.00% floor-7.5% |
|
Long-Term Mortgage Options as of February 21, 2012
| 30 Year Fixed Rate Loan Based on $150,000 |
| Interest Rate |
4.000% |
| APR |
4.043%
|
| Principal & Interest |
$716.13 |
| |
|
| 15 Year Fixed Rate Loan Based on $150,000 |
| Interest Rate |
3.250% |
| APR |
3.333%
|
| Principal & Interest |
$1,054.01 |
| |
|
|
USDA Rural Development Loans 30 Year Fixed Rate *
|
| Interest Rate |
3.750% |
| APR |
4.071% |
| Principal & Interest |
$719.87 |
Subject to “adjusted” income limits and property eligibility.
*Interest Rates and Annual Percentage Rates are subject to applicant credit. Rates are subject to change. Actual rate may vary.
