Hank the pig
Tip from Hank

Interest Rates

IRA Investment Savings

Traditional, Roth & Educational IRAs – paid quarterly, just $250 minimum balance, add to with Payroll Deposit. IRA Savings rates quoted paid through March 31, 2017.

Savings AmountInterest RateAPY
IRA $50,000 or more 1.63%1.64%
IRA $0 - $49,999.99 0.63%0.63%

 

Certificate of Deposit (CD)

IRA or Regular CDs paid quarterly on anniversary date.

Regular Certificate of Deposit or Educational IRA or Roth IRA Certificate of Deposit

Maturity TermPLUS/ULTRA Advantage Level
(Minimum Amount)Interest RateAPY
60 Month CD ($500 min)1.05%1.05%
48 Month CD ($500 min)0.75%0.75%
36 Month CD ($500 min)0.55%0.55%
24 Month CD ($500 min)0.30%0.30%
18 Month CD ($500 min)0.25%0.25%
12 Month CD ($500 min)0.20%0.20%
6 Month CD ($500 min)0.15%0.15%
3 Month CD ($500 min)0.10%0.10%

 

Payroll Deposit Certificate of Deposit (PDCD)

Open & add to your PDCD with convenient Payroll Deposit.
Low minimum to start, low minimum to add.

Maturity TermPLUS/ULTRA Advantage Level
(Minimum Amount)Interest RateAPY
60 Month ($20 min per month)1.05%1.05%
48 Month ($20 min per month)0.75%0.75%
36 Month ($20 min per month)0.55%0.55%
24 Month ($20 min per month)0.30%0.30%
18 Month ($20 min per month)0.25%0.25%

 

Money Market Account

(Paid Monthly)

Interest RateAPY
100,000.00 - MORE 0.40%0.40%
50,000.00 - 99,999.99 0.30%0.30%
25,000.00 - 49,999.99 0.20%0.20%
10,000.00 - 24,999.99 0.15%0.15%
1,000.00 - 9,999.99 0.10%0.10%

 

Savings Plan

(Paid Monthly)

Interest RateAPY
$250 or More 0.10%0.10%

 

Ultra Checking – Reverse Tier Account

(Paid Monthly)

Interest RateAPY
Avg. Daily Balance $0.01 - $1,000 1.25%1.26%
Avg. Daily Balance > $1,000 0.10%0.10%

 

Checking Plus & Second Checking Accounts

(Paid Monthly)

Interest RateAPY
Avg. Daily Balance > $1,000 0.10%0.10%

 

All rates quoted include Annual Percentage Yields and are accurate as of the first business day of each calendar month. Rates and terms are subject to change without notice after the account is opened. A penalty may be imposed for withdrawals before maturity on time (term) accounts. Fees could reduce the earnings on the account, if applicable. Call 573-874-1477 (Columbia) or 573-635-8007 (Jefferson City) or 800-451-1477 Toll-free (Outside of Columbia or Jefferson City only) for current rates and terms.