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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

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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$2,500$0.00 - $249,999.99.40%.40%
$1,000,000.00 - 1,999,999.991.20%1.20%
$2,000,000.00 - and up1.50%1.50%



Car Rates 2011 Older

Car Rates 2011 Older

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Car Rates 2011 Older750+650-749649 Below
36 Months5.50%6.25%7.50%
48 Months5.50%6.50%7.50%
60 Months**5.50%6.75%7.75%
Minimum loan amount $10,000

Monthly payment amounts vary by loan term and rates. 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, the monthly payment would be $190.96 (APR 5.9176%).

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$2,500$0.00 - 99,999.990.50%0.50%
$100,000—249,999.990.75%0.75%
$250,000 —999,999.991.00%1.00%
$1,000,000 and up1.35%1.35%

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$1000.25%0.25%

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



Health Savings Account Deposit Rates
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ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Health Savings Account$0Up 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$1,0000.70%0.70%
1 Year$1,0002.13%2.15%
18 Month$1,0002.20%2.20%
2 Year$1,0002.23%2.25%
3 Year$1,0002.48%2.50%
4 Year$1,0002.58%2.60%
5 Year$1,0002.72%2.75%

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$1000.7%0.7%
18-Month: Add-On$1002.00%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 Newer750+650-749649 below
36 Months4.50%5.25%6.50%
48 Months4.50%5.50%6.75%
60 Months4.50%5.75%7.00%
72 Months*4.50%6.00%7.25%
* Minimum loan amount $30,000

Monthly payment amounts vary by loan term and rates. For example a $10,000 loan at an interest rate of 4.50% for a 60-month term, on a 2012 or newer automobile with a 750+ credit score,the monthly payment would be $186.39 (APR 4.9138%).

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

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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750+650-749
36 Months5.50%6.25%
48 Months5.50%6.50%
60 Months5.50%6.75%

Monthly payment amounts vary by loan term and rates. For example a $10,000 loan at an interest rate of 5.50% for a 60-month term, with a 750+ credit score, the monthly payment would be $190.96 (APR 7.9255%).

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