Abstract image representing investment rates.

Consumer Rates



Interest Rates and Annual Percentage Yields (APYs) are current as of October 1, 2022.
For current rate information call 816-358-5000.

All CDs are available as IRAs for terms of 91 days or greater. 

Savings, Checking, and Money Markets

Compare Accounts Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate1 Annual Percentage Yield2
Maximum Yield (MY) Savings Account
$25 $0.01
Qualifications Met*
$0.01-$25,000
1.05%
$25,000.01 and up
0.20%
Qualifications Not Met*
All Balances
0.10%
Qualifications Met*
$0.01-$25,000
1.06%
$25,000.01 and up
0.20%
Qualifications Not Met*
All Balances
0.10%
Savings Account
$100 $100 0.10% 0.10%
My First Million Savings
$5 $0.01 0.10% 0.10%
Student Savings
$50 $0.10 0.10% 0.10%
Elite Plus Checking
$1,000 $1,000 $1,000 and up 0.10% $1,000 and up 0.10%
Maximum Yield (MY) Checking
$100 $0.01
Qualifications Met*
$0.01-$25,000
2.52%
$25,000 and up
0.12%
Qualifications Not Met**
All Balances
0.10%
Qualifications Met*
$0.01-$25,000
2.55%
$25,000.01 and up
0.12%
Qualifications Not Met*
All Balances
0.10%
Regular Money Market
$1,000 $1,000
$1,000-$14,999.99
0.3%
$15,000-$49,999.99
0.4%
$50,000 and up
0.5%
$1,000-$14,999.99
0.3%
$15,000-$49,999.99
0.4%
$50,000 and up
0.5%
Maximum Yield Money Market
$15,000 $15,000
$15,000-$39,999.99
0.35%
$40,000-$84,999.99
0.45%
$85,000 and up
0.55%
$15,000-$39,999.99
0.35%
$40,000-$84,999.99
0.45%
$85,000 and up
0.55%
Business Money Market
$1,000 $1,000
$1,000-$14,999.99
0.3%
$15,000-$49,999.99
0.4%
$50,000 and up
0.5%
$1,000-$14,999.99
0.3%
$15,000-$49,999.99
0.4%
$50,000 and up
0.5%
Business Maximum Yield Money Market $15,000 $15,000
$15,000-$39,999.99
0.35%
$40,000-$84,999.99
0.45%
$85,000-$749,999.99
0.55%
$750,000 and up
0.6%
$15,000-$39,999.99
0.35%
$40,000-$84,999.99
0.45%
$85,000-$749,999.99
0.55%
$750,000 and up
0.6%



CDs / IRAs

Compare Accounts Minimum Opening Deposit Minimum Balance to Obtain APY Interest Rate2 Annual Percentage Yield1
31 Day CD
$500 $500 0.5% 0.5%
60 Day CD
$500 $500 0.5% 0.5%
91 Day CD/IRA
$500 $500 0.5% 0.5%
6 Month CD/IRA
$500 $500 0.5% 0.5%
12 Month CD/IRA
$500 $500 1.99% 2%
18 Month CD/IRA
$500 $500 2.23% 2.25%
27 Month CD/IRA*** $500 $500 3.21% 3.25%
24 Month CD/IRA
$500 $500 2.38% 2.4%
30 Month CD/IRA
$500 $500 2.48% 2.5%
36 Month CD/IRA
$500 $500 1.29% 1.3%
48 Month CD/IRA $500 $500 1.39% 1.4%
60 Month CD/IRA $500 $500 1.49% 1.5%


* MY Savings
MY Savings qualifications include: Must have MY Checking account and meet MY Checking requirements to earn premium interest. MY Checking requirements are: Electronic Statements, 12 or more debit card point of sale purchases, and one ACH direct deposit or payment per statement cycle.

**MY Checking
MY Checking qualifications include: Electronic statements, 12 or more debit card point of sale purchases, and one ACH direct deposit or payment per statement cycle.

(1) Minimum Balance Requirements exist to earn the interest rate and APY listed.

Certificate of Deposit (CD)
A penalty may be imposed for early withdrawal.
Fees could reduce earnings in the account.
Daily balance - amount of the principal in the account each day. 
***The 27-Month CD/IRA offer begins 11/01/2022 and expires 12/31/2022 or may be withdrawn sooner without notice. Interest will be compounded and credited quarterly. Automatically renewable at 24-month term; renewal rate and APY will be 24-month rate in effect at the time of renewal. A penalty may be imposed for early withdrawal. Cannot be used in conjunction with any other special offers or coupons.

Other Accounts
Fees could reduce earnings in the account.
The interest rate and annual percentage yield may change after account opening.
Daily balance - The amount of the principal in the account each day.