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

Deposit Rates

Interest Checking Account Deposit Rates
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 Checking Account Deposit Rates
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
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
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
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
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