Help Center

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

Note: scroll left and right to view full table.
Term*APR as low as
7 Year Variable Rate4.00%
3 Year Fixed Rate4.25%

 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 plus 0.00% 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 4.00% and a ceiling rate of 12%.  If automatic payments are terminated, the APR will be subject to a floor rate of 4.25%.  As of 03/16/2020 the Wall Street Journal U.S. Prime Rate was 3.25%.

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 $939.  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 4.25% 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 $939.  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
Note: scroll left and right to view full table.
ProductMinimum Opening DepositInterest RateAPY
Interest NOW Checking$1,0000.05%0.05%
Legacy 55 NOW Checking$1000.05%0.05%

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

Note: scroll left and right to view full table.
ProductMinimum Opening DepositDaily Balances Of:Interest RateAPY
Money Market$2,500Up to $249,999.990.25%0.25%
$250,000 - 999,999.990.35%0.35%
$1,000,000 - 1,999,999.990.40%0.40%
$2,000,000 and up0.50%0.50%



Car Rates 2012 Older

Car Rates 2012 Older

Note: scroll left and right to view full table.
Car Rates 2012 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.



Residential Mortgage Rates
Note: scroll left and right to view full table.
ProductRate**PointsAPR**
30 YR. Fixed [1]Call For Rates0Call For Rates
20 YR. Fixed [2]Call For Rates0Call For Rates
15 YR. Fixed [3]Call 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
  1. For Example: Repayment terms 360 monthly payments of $4.86 per $1000 borrowed.
  2. For Example: Repayment terms 240 monthly payments of $6.24 per $1000 borrowed.
  3. For Example: Repayment terms 180 monthly payments of $7.60 per $1000 borrowed.

**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.




Money Market Checking Account Deposit Rates
Note: scroll left and right to view full table.
ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Money Market$2,500Up to $99,999.990.20%0.20%
$100,000—199,999.990.25%0.25%
$200,000 —999,999.990.30%0.30%
$1,000,000 and up0.40%0.40%

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
Note: scroll left and right to view full table.
ProductMinimum Opening DepositInterest RateAPY
Standard Savings Account$1000.20%0.20%

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
Note: scroll left and right to view full table.
ProductMinimum Opening DepositDaily Balances of:Interest RateAPY
Health Savings Account$100Up to $1,000 — 2,499.990.20%0.20%
$2,500 and Up0.25%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



Time Deposit (CD) Rates
Note: scroll left and right to view full table.
ProductMinimum Opening DepositInterest RateAPY
4 Week$10,0000.20%0.20%
13 Week$10,0000.30%0.30%
6 Month$1,0000.35%0.35%
1 Year$1,0000.50%0.50%
18 Month$1,0000.55%0.55%
2 Year$1,0000.65%0.65%
3 Year$1,0000.75%0.75%
4 Year$1,0000.80%0.80%
5 Year$1,0000.85%0.85%

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
Note: scroll left and right to view full table.
Time DepositMinimum Opening DepositInterest RateAPY
6 Month$1000.35%0.35%
18-Month: Add-On$1000.55%0.55%

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
Note: scroll left and right to view full table.
Car Rates 2013 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
Note: scroll left and right to view full table.
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 February 1, 2020

Note: scroll left and right to view full table.
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.

Note: scroll left and right to view full table.
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