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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
Premier Money Market Personal & Business
$1,000 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% $1,000 
$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 0.275%   0.275%  
$100,001.00 and over 0.300%   0.300%  

 

  RATE   APY**  MINIMUM DEP
KCB Select
  0.100%   0.100% $1000.00
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 7/21/2014                                                                                          

CONSUMER LOANS
  APR  

Vehicles

4.19 – 9.74%

 

Boats

7.19 – 12.74%

 

Motorcycles

9.19 – 12.19%

 

CD or Savings Secured 

Call for Rates 

 
CONSUMER REAL ESTATE LOANS

RATES AS OF SEPTEMBER 2, 2015

Bank In House Mortgage Options

Important Loan Information:  The following payment schedules are based on purchase price or construction cost 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. (APR Fees include .05% origination fee, $375.00 closing fee, $25.00 closing protection letter, $3.00 flood monitoring fee and $250.00 inspection fee for construction loans only.)

New Home Construction-12 month interest only

6.00%

 APR 6.34%

 Vacant Land or Lot-62 month balloon/180 month amortization

 6.00%

   APR 6.34% 

 

 

 

Secondary Market Mortgage Options

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. (APR Fees include $450.00 underwriting fee, $11.95 electronic registration fee, $75.00 tax service fee, $31.00 flood determination fee, $375.00 closing fee and $25.00 insured closing letter fee.

30 Year Fixed Rate Loan Based on $150,000

At an Interest Rate of

4.000%

The APR for this loan type is

4.053%

And would be repaid in 360 monthly installments of Principal & Interest in the amount of

$716.12

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

3.218%

And would be repaid in 180 monthly installments of Principal & Interest in the amount of

$1,044.91

Plus any additional amounts required for escrows

 

USDA Rural Development 30 Year Fixed Rate Loan Based on $150,000 *

Important Loan Information:  The following payment schedules are based on a purchase price of $150,000, 0% cash down payment and a loan amount of $153,061.00 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. (APR Fees include $450.00 underwriting fee, $11.95 electronic registration fee, $75.00 tax service fee, $31.00 flood determination fee, $375.00 closing fee, $25.00 insured closing letter fee and USDA guarantee fee of 2% of financed total.)

At an Interest Rate of

3.500%

The APR for this loan type is

4.223%

And would be repaid in 360 monthly installments of Principal & Interest in the amount of

$687.32

 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.