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Rates & Fees

For current deposit rates in the Wichita area, please call (316) 260-3711. For current rates in the Pratt area, please call (620) 672-6421.

Rates Help Center

View All Rates & Fees

Home Equity Line of Credit

Choose a rate that's best for you

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Term*APR as low as
7 Year Variable Rate8.25%
3 Year Fixed Rate8.25%

 7 Year Variable Rate

*The Annual Percentage Rate (APR) is variable and may change.  The APR is based on the Wall Street Journal U.S. Prime Rate minus 0.25% and includes a discount for automatic payments.  If automatic payments are terminated, the APR will increase by 0.25%.  The APR can change monthly and is subject to a floor rate of 8.25% and a ceiling rate of 12.00%.  If automatic payments are terminated, the APR will be subject to a floor rate of 8.50%.  As of 08/14/2023 the Wall Street Journal U.S. Prime Rate was 8.50%.

Multiple payment options to choose from. Home must be owner occupied. Loan to Value not to exceed 90%. Costs required to open range from $16 to $984.95.  Property insurance will be required, and if applicable, flood insurance will be required.

3 Year Fixed Rate

*The Annual Percentage Rate (APR) is fixed for the life of the loan. The 8.25% APR includes a discount for automatic payments.  If automatic payments are terminated the APR will increase by 0.25%.

Multiple payment options to choose from. Home must be owner occupied. Loan to Value not to exceed 90%. Costs required to open range from $16 to $984.95.  Property insurance will be required, and if applicable, flood insurance will be required.

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Interest Checking Account Deposit Rates
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ProductMinimum Opening DepositMINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPYOpen Account
Interest Checking$500$1000*0.25%0.25%Open Online

The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.

Please note:

  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.
  • **The primary account owner is the first listed owner on the most recent account signature card or the most recent account statement.

 




Money Market Business Account Deposit Rates

Money Market Business Account Deposit Rates

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ProductMinimum Opening DepositDaily Balances Of:Interest RateAPY
Money Market$2,500Up to $249,999.990.75%0.75%
$250,000 - 999,999.991.49%1.50%
$1,000,000 - 1,999,999.992.23%2.25%
$2,000,000 and up3.92%4.00%



Automobile Rates 2016 Older
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TermAPR* As Low As***
Up to 60 Months**7.93%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $10,000 loan at an interest rate of 7.50% for a 60-month term, on a 2016 or older automobile with a 740+ credit score, monthly payment would be $200.43, (Annual Percentage Rate 7.93%).  Monthly payment amounts vary by loan term and rates.

**60 month-term eligible on vehicles with loan amounts greater than $10,000.

***Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Residential Mortgage Rates
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ProductRate**PointsAPR**
30 YR. FixedCall For Rates0Call For Rates
20 YR. FixedCall For Rates0Call For Rates
15 YR. FixedCall For Rates 0Call For Rates
5/1 ARMCall For Rates0Call For Rates
FHA 30 YR. FixedCall For Rates0Call For Rates
VA 30 YR. FixedCall For Rates0Call For Rates
USDA 30 YR. FixedCall For Rates0Call For Rates

**Based on loan amount of $110,000 to $510,400 and a CREDIT SCORE OF 740 OR GREATER.

Please contact a representative for rate quotes on loan amounts under $110,000 and CONSTRUCTION loans. Rates apply to owner occupied purchase loans only, Conventional 80% LTV. Rates are based on a 45-day lock and are subject to change.
This is not a commitment to lend.




IRA Compound Interest
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Initial Investment$100$1,000$1,000
Monthly Contribution$25$50$100
Annual Interest Rate3%3%3%
Total After 10 Years$3,573.56$8,222.24$15,100.57
Total After 20 Years$8,241.72$17,928.34$34,050.56
Total After 30 Years$14,515.35$30,972.51$59,517.76
Total After 40 Years$22,946.58$48,502.79$93,743.55

Don’t believe us? Use the U.S. Securities and Exchange Commission’s calculator to see how your money can grow!




Money Market Checking Account Deposit Rates
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ProductMinimum Opening DepositDaily Balances of:MINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPYOpen Account
Money Market$2,500$2,500 - $99,999.99$2500*0.60%0.60%Open Online
$100,000 - $199,999.991.00%1.00%Open Online
$200,000 - $999,999.991.24%1.25%Open Online
$1,000,000 and greater3.44%3.50%Open Online

The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.

Please note:

  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.

 

Free Services to all accounts: Instant Issue Debit Cards at account opening, Card Valet (Debit Card management app), 55,000 surcharge FREE ATMs, Online Banking, Mobile Banking, Bill Pay and Mobile Check Deposit

Additional Free 60+ Benefits: “Legacy 60” Wallet Checks available for all checking accounts and Cashier Checks for all accounts

All accounts are subject to charges listed on our fee schedule




Savings Account Deposit Rates
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ProductMinimum Opening DepositMINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPYOpen Acccount
Savings Account$100$25*0.50%0.50%Open Online

The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.

Please note:

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.



Health Savings Account Deposit Rates
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ProductMinimum Opening DepositDaily Balances of:MINIMUM DAILY BALANCE TO OBTAIN APR/APYInterest RateAPY
Health Savings Account$0$1,000 - $2,499.99$1000*0.50%0.50%
$2,500 and greater$2500*0.75%0.75%

The interest rates (APR) and annual percentage yields (APY) stated on this website are accurate as of today. The interest rates and annual percentage yields for the accounts depend upon the applicable rate tier. The interest rates and annual percentage yields for these tiers may change at any time without advance notice. For the most current rate and yield information please call us at (316) 260-3711 or refer to the Truth in Savings Account Disclosure (TISA) provided to you at the time of account opening.

Please note:

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • *Daily balance. The amount of the principle in the account each day.
  • Disclosure

Free Services to all accounts: Instant Issue Debit Cards at account opening, Card Valet (Debit Card management app), 55,000 surcharge FREE ATMs, Online Banking, Mobile Banking, Bill Pay and Mobile Check Deposit

Additional Free 60+ Benefits: “Legacy 60” Wallet Checks available for all checking accounts and Cashier Checks for all accounts

All accounts are subject to charges listed on our fee schedule




Time Deposit (CD) Rates
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ProductMinimum Balance to Obtain APYInterest RateAPY
7 or 11 Month (Special Promotion)$5,0005.15%5.25%
4 Week (28 day)$10,0000.25%0.25%
13 Week (91 day)$10,0000.50%0.50%
6 Month$1,0001.99%2.00%
1 Year$1,0002.97%3.00%
18 Month$1,0003.21%3.25%
2 Year$1,0003.26%3.30%
3 Year$1,0003.31%3.35%
4 Year$1,0003.36%3.40%
5 Year$1,0003.41%3.45%

The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that particular deposit.
Please note:

  • The interest rate and APY may change after account opening.
  • Fees may reduce earnings.
  • Disclosure



Individual Retirement Account (IRA) Deposit Rates
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Time DepositMinimum Opening DepositInterest RateAPY
6 Month$1001.99%2.00%
18 Month: Add-On$1003.21%3.25%

The annual percentage yields (APY) are accurate as of today and are subject to change without notice. The annual percentage yield on all Time Deposits with a term length indicated in a range of days/months is calculated on the maximum term length for that particular deposit.
Please note:

  • The APY assumes interest will remain on deposit until maturity.
  • It will automatically renew.
  • Penalty may be imposed for early withdrawals.
  • Disclosure



Automobile Rates 2017 Newer
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TermAPR* As Low As***
Up to 72 Months**7.28%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $30,000 loan at an interest rate of 7.15% for a 72-month term, on a 2017 or newer automobile with a 740+ credit score, monthly payment would be $513.76, (Annual Percentage Rate 7.28%).  Monthly payment amounts vary by loan term and rates.

**72 month-term eligible on vehicles with loan amounts greater than $30,000.

***Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Motorcycle, ATV, RV, Watercraft, Motorhomes
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TermAPR As Low As**
Up to 60 Months9.19%

*Annual Percentage Rate (APR) assumes all loan origination fees are paid at the time of loan closing, financing loan origination fees will affect final loan APR and monthly payment.  **For example a $10,000 loan at an interest rate of 8.75% for a 60-month term, with a 740+ credit score, monthly payment would be $206.43, (Annual Percentage Rate 9.19%).  Monthly payment amounts vary by loan term and rates.

**Lowest possible APR based on credit and underwriting for qualified borrowers.

Please note:

  • Loan is subject to credit approval.
  • Rates offered are not guaranteed and are subject to change without notice.



Deposit Account Schedule of Fees and Charges

Effective February 1, 2020

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ScheduleFees & Charges
Account closing within 60 days of opening$10.00 per account
ATM transactions at non-Legacy Bank locations$2.00 per transaction
Bags - Zipper Bag$5.00 per bag
Bank Statement held for pickup$5.00 per statement
Duplicate Statements (mailed to multiple addresses)$5.00 each per month
Cashier’s Checks (excluding Club Account)$5.00 per check
Coin Counting - Account holdersno charge
Coin Counting - Non Customers10% fee of coin counted
Coin & Currency Orders - Consumer Accountsno charge
Coin & Currency Orders - Commercial Accounts$150.00 per month
Coin & Currency Deposits - Commercial* $0.10 per $100
Collections (Incoming & Outgoing)$25.00 per item
Counter Checks$5.00 (10 checks)
Dormant Account (no contact or activity for 12mo. or more)$5.00 per month if balance falls below $25.00
Fax - Incoming$2.00 per page
Fax - Outgoing$2.00 per page
Foreign Items Deposited$5.00 per item
Garnishments$25.00 per order
Return Item Charge**$30.00 per item
Night Depository Locked Bag$25.00 per bag
Night Depository - Keys$5.00 per key; first two at no charge
Night Depository - Key Replacement$5.00 per key
Notary Service - Non Customer$10.00 per item
Medallion Stamp Transaction$25.00 each transaction
Overdraft Charge**$30.00 per item
Continuous Overdraft Charge - Commercial Accounts only$10.00 per business day beginning on the 5th consecutive business day that your account is overdrawn $1,000.00
Photocopy (black & white)$0.25 per copy
Quick History$1.00 per request
Research Charge / 1 hr Minimum$25.00 per hour
Returned Deposited Item$5.00 per item
Safe Deposit Box Drilling$150.00 per box
Safe Deposit Box Lost Key Charge$20.00 per key
Safe Deposit Box Late Fee$5.00 after 30 days delinquent
Special Account Handling$20.00 per month
Special Cutoff Statement$15.00 per statement
Stop Payments & Renewals$30.00 per item
Tax Levy$25.00 per order
Wire Transfer - Incoming$15.00 per request
Wire Transfer - Domestic - Outgoing$20.00 per request
Wire Transfer - International - Outgoing$50.00 per request

* Applies to commercial customers under account analysis
** Return Item Charge and Overdraft Charge includes all items created by
check, in-person withdrawal, ATM withdrawal or other electronic means. Charges apply to all checking and savings accounts. $150.00 daily Overdraft Charge Cap (excludes Returned Item charges) per account; applies to Consumer Accounts only. Continuous overdraft charge applies to commercial accounts only.




Safe Deposit Box Fees

Annual pricing below is for new Safe Deposit Boxes.

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SizeFee
3 x 5$18
4 x 5$20
5 x 5$25
3 x 10$30
4 x 10$35
5 x 10$40
5 x 10$50
10 x 10$60
Replace Lost Key$20
Lock Replacement / Drilling$150