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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

Deposit Rates

Interest Checking Account Deposit Rates
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 Checking Account Deposit Rates
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
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
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
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$1,0001.84%1.85%
18 Month$1,0001.89%1.90%
2 Year$1,0001.94%1.95%
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
Time DepositMinimum Opening DepositInterest RateAPY
6 Month$1000.65%0.65%
18-Month: Add-On$1001.89%1.90%

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