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 Daily Balance
Account Requirements
$2,500.00 Minimum Opening Deposit
$1,000.00 Minimum Opening Deposit
$2,500.00 Minimum Opening Deposit
$200.00 Minimum Opening Deposit
$10.00 Minimum Opening Deposit
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
  • 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 0.60% 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
  • 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
  • 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
  • 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

  • Designed for Ages 13 - 17 Years Old
  • $10.00 Minimum Opening Deposit
  • Earns Interest on Balances of $10.00 or More
  • $1.00 Balance Requirement Fee if balance falls below $10 at any time during the month
  • Free Online Banking and ATM Card (Must be 14 Yrs of Age)
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