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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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TermAPR as low as
7 Year Variable Rate*4.99%
3 Year Fixed Rate**5.25%

*A Variable Annual Percentage Rate is based on a seven-year term and is set by New York Prime. The rate 4.99% includes a discount of .26% for automatic payments. As of 08/01/19 New York Prime was 5.25%. Payments are the greater of either 1% of the outstanding balance or a minimum $100. Interest only payments are also available. No origination fee, owner occupied loans up to 90% loan to value. Variable rates are adjusted monthly to New York Prime on the 1st of every month. Rates have a floor of 4.50%APR and a ceiling of 12.00% APR.

**A Fixed Annual Percentage Rate is based on a three-year term and is 5.25%APR through the life of the credit line. The rate includes a discount of .25% for automatic payments.   Payments are the greater of either 1% of the outstanding balance or a minimum $100. Interest only payments are also available. No origination fee, owner occupied loans up to 90% loan to value.

  • 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 DepositInterest RateAPY
Interest NOW Checking$1,0000.15%0.15%
Legacy 55 NOW Checking$1000.15%0.15%

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:




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 $249,999.990.70%0.70%.
$250,000 - 999,999.990.80%0.80%
$1,000,000 - 1,999,999.991.19%1.20%
$2,000,000 and up1.34%1.35%



Car Rates 2011 Older

Car Rates 2011 Older

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Car Rates 2011 OlderAPR* As Low As***
Up to 60 Months**5.50%

*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 5.50% for a 60-month term, on a 2011 or older automobile with a 750+ credit score, monthly payment would be $191.05, (Annual Percentage Rate 5.50%).  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.



Money Market Checking Account Deposit Rates
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ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Money Market$2,500Up to $99,999.990.45%0.45%
$100,000—199,999.990.80%0.80%
$200,000 —999,999.991.04%1.05%
$1,000,000 and up1.24%1.25%

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



Standard Savings Account Deposit Rates
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ProductMinimum Opening DepositInterest RateAPY
Standard Savings Account$1000.30%0.30%

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



Health Savings Account Deposit Rates
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ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Health Savings Account$100Up to $1,000 — 2,499.990.25%0.25%
$2,500 and Up0.30%0.30%

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



Time Deposit (CD) Rates
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ProductMinimum Opening DepositInterest RateAPY
4 Week$10,0000.20%0.20%
13 Week$10,0000.50%0.50%
6 Month$1,0000.65%0.65%
1 Year$1,0001.94%1.95%
18 Month$1,0001.99%2.00%
2 Year$1,0002.03%2.05%
3 Year$1,0002.08%2.15%
4 Year$1,0002.13%2.20%
5 Year$1,0002.23%2.25%

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 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$1000.65%0.65%
18-Month: Add-On$1001.99%2.00%

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 Loan Rates
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Car Rates 2012 NewerAPR* As Low As***
Up to 72 Months**4.50%

*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 4.50% for a 72-month term, on a 2012 or newer automobile with a 750+ credit score, monthly payment would be $476.31, (Annual Percentage Rate 4.50%).  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, Motor Home Loan Rates
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Motorcycles, ATV, RV, WAtercraft, MotorhomesAPR As Low As**
Up to 60 Months5.50%

*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 5.50% for a 60-month term, with a 750+ credit score, monthly payment would be $191.05, (Annual Percentage Rate 5.50%).  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 November 1, 2013

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ScheduleFees & Charges
Account closing within 60 days of opening$10.00 per account
ATM transactions at non-Legacy Bank locations$1.00 per transaction
Bags - Zipper Bag$3.00 per bag
Bank Statement held for pickup$3.00 per statement
Duplicate Statements (mailed to multiple addresses)$5.00 each per month
Cashier’s Checks (excluding Club Account)$3.00 per check
Coin Counting - Account holdersno charge
Coin & Currency Orders - Account holdersno charge
Coin & Currency Orders - Commercial*$1.00 per order, $0.10 per roll, $0.25 per strap
Coin & Currency Deposits - Commercial* $0.10 per $100
Collections (Incoming & Outgoing)$25.00 per item
Counter Checks$5.00 (10 checks)
Dormant Account $5.00 per month
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$5.00 per item
Medallion Stamp Transaction$5.00 each
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