Savings

For more information or questions about any of our accounts, please call us at 785-232-6062 or Contact Us Here.

Rates effective January 17, 2024
Account Type Advantage Plus Money Market Advantage Money Market Advantage Plus Savings
Special Features
Tiered Interest Rate for Higher Balances

 Higher Interest Rate on a Lower Minimum Balance
 Tiered Interest Rate for Higher Balances Standard Savings Account Designed for Ages 13-17 Years Old
Service Charges $5.00 $5.00 $5.00 $2.50 $1.00
Ways to Avoid
Service Charges
 $2,500.00 Minimum Average Daily Balance $1,000.00 Minimum Average Daily Balance $2,500.00 Minimum Average Daily Balance $200.00 Minimum Average Daily Balance $10.00 Minimum Average Daily Balance
Account Requirements
$2,500.00 Minimum Opening Deposit

Limited to Six Withdrawals Per Month
$1,000.00 Minimum Opening Deposit

Limited to  Six Withdrawals Per Month
$2,500.00 Minimum Opening Deposit

Limited to Three Withdrawals Per Month
$200.00 Minimum Opening Deposit

Limited to Three Withdrawals Per Month
$10.00 Minimum Opening Deposit

Limited to Three Withdrawals Per Month
MInimum Balance Required to Earn Interest On Daily Average Collected Balances of $2,500.00 or Higher On Daily Average Collected Balances of $1,000.00 or Higher On Daily Average Collected Balances of $2,500.00 or Higher On Daily Average Collected Balances of $200.00 or Higher
On Daily Average Collected Balances of $10.00 or Higher
Free Online Banking and ATM Card Yes Yes Yes Yes Yes

Advantage Plus Money Market

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $2,500.00 Minimum Opening Deposit
  • Earns Interest on Balance of $2,500.00 or More
  • Limited to Six Withdrawals per Month
  • Fee Online Banking
Features Fees
$2,500.00 Minimum Balance No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle   $5.00 Service Charge
Tier Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,500.00 0.00% 0.00%
$2,500.01 - $25,000.00 0.60% 0.00% - 0.60%
$25,000.01 - $250,000.00 0.70% 0.60% - 0.69%
$250,000.01 and above 0.85% 0.69% - 0.85%
  • Interest Rate Subject to Change Daily  
  • You must maintain an average daily balance of $2,500.00 or more to earn interest
 

Advantage Money Market

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $1,000.00 Minimum Opening Deposit
  • Earns Interest on Balance of $1,000.00 or More
  • Limited to Six Withdrawals Per Month
  • Free Online Banking
Features Fees
$1,000.00 Minimum Balance  No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle $5.00 Service Charge
Interest Rate Annual Percentage Yield (APY)
0.55% 0.55%
  • Interest Rate Subject to Change Daily 
  • You must maintain an average daily balance of $1,000.00 or more to earn interest
 


Advantage Plus Savings

  • $5.00 Monthly Service Charge if balance requirement is not met
  • $2,500.00 Minimum Opening Deposit
  • Earns Interest on Balances of $2,500 or More
  • Limited to Three Withdrawals per Month
  • Free Online Banking
Features Fees
$2,500.00 Minimum Balance  No Service Charge
If the balance falls below $2,500.00 at any time during the statement cycle $5.00 Service Charge
Tier Interest Rate Annual Percentage Yield (APY)
$0.00 - $2,500.00 0.00% 0.00%
$2,500.01 - $25,000.00 0.45% 0.00% - 0.45%
$25,000.01 - $250,000.00 0.50% 0.45% - 0.48%
$250,000.01 and above 0.55% 0.48% - 0.55%
  • Interest Rate Subject to Change Daily
  • You must maintain an average daily balance of $2,500.00 or more to earn interest

Advantage Savings

  • $2.50 Monthly Service Charge if balance requirement is not met
  • $200.00 Minimum Opening Deposit
  • Earns Interest on Balances of $200.00 or More
  • Limited to Three Withdrawals Per Month
  • Free Online Banking and ATM Card
Features Fees
$200.00 Minimum Balance No Service Charge
If the balance falls below $200.00 at any time during the statement cycle $2.50 Service Charge
Interest Rate Annual Percentage Yield (APY)
0.50% 0.50%
  • Interest Rates Subject to Change Daily
  • You must maintain an average daily balance of $200.00 or more to earn interest

Teen Savings

  • $1.00 Monthly Service Charge if balance requirement is not met
  • $10.00 Minimum Opening Deposit
  • Earns Interest on Balances of $10.00 or More
  • Limited to Three Withdrawals Per Month
  • Designed for Ages 13 - 17 Years Old
  • Free Online Banking and ATM Card (Must be 14 Yrs of Age)
Features Fees
$10.00 Minimum Balance No Service Charge
If the balance falls below $10.00 at any time during a statement cycle $1.00 Service Charge
Interest Rate Annual Percentage Yield (APY)
0.60% 0.60%
  • Interest Rates Subject to Change Daily
  • You must maintain an average daily balance of $10.00 or more to earn interest