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Rates

CERTIFICATES OF DEPOSIT/INDIVIDUAL RETIREMENT ACCOUNTS*
  CD IRA    
TERM RATE RATE APY** MINIMUM DEP
91 DAYS 0.15% N/A 0.15% $500.00
182 DAYS 0.30% N/A 0.30% $500.00
12 MONTHS 0.45% 0.45% 0.45% $500.00
18 MONTHS 0.50% 0.50% 0.50% $500.00
24 MONTHS 0.70% 0.70% 0.70% $500.00
30 MONTHS 0.75% 0.75% 0.75% $500.00
36 MONTHS 0.80% 0.80% 0.80% $500.00
48 MONTHS 1.00% 1.00% 1.00% $500.00
60 MONTHS 1.10% 1.10% 1.10% $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**  MINIMUM DEP
  0.150%   0.150%  $1.00
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** MINIMUM DEP 
$1-$10,000.00 0.150%   0.150% $2,500 
$10,001.00-$25,000.00 0.200%   0.200%  
$25,001.00-$50,000.00 0.250%   0.250%  
$50,001.00-$100,000.00 0.300%   0.300%  
$100,001.00 and over 0.350%   0.350%  

 
KCB Choice RATE   APY**  MINIMUM DEP
  0.100%   0.100% $1.00
KCB Elite
0 - $2,500.00 0.050%   0.050%  $1.00
$2,500.01 - $10,000.00 0.100%   0.100%  
$10,000.01 - $25,000.00 0.150%   0.150%  
$25,000.01 and over 0.150%   0.150%  
KCB Classic
  0.100%   0.100%  $1.00
Health Savings Account (HSA)
  0.500%   0.500%  $1.00
Savings
  0.100%   0.100%  $1.00
Speed Savers (Minor Savings)
0 - 1000.00 0.500%   0.500%  $1.00
1000.01 and up 0.200%   0.200%  

* 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 10/25/2012                                               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 May 23, 2012

Important Loan Information:  The following payment schedules are based on a purchase price of $187,500, 20% cash down payment and a loan amount of $150,000 for a property located in Clay County.  If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

30 Year Fixed Rate Loan Based on $150,000
At an Interest Rate of 4.000%
the APR for this loan type is

4.043%
and would be repaid in 360 monthly installments of Principal & Interest in the amount of $716.13
plus any additional amounts required for escrows   
15 Year Fixed Rate Loan Based on $150,000
At an Interest Rate of 3.125%
the APR for this loan type is

3.208%
and would be repaid in 180 monthly installments of Principal & Interest in the amount of $1,044.92
plus any additional amounts required for escrows    

USDA Rural Development Loans 30 Year Fixed Rate Based on $150,000 *
At an Interest Rate of 3.250%
 the APR for this loan type is 3.843%
and would be repaid in 360 monthly installments of Principal & Interest in the amount of $666.14

 plus any additional amounts required for escrows.

*USDA loans are 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.