Online Banking

Rates

Take a look at the current rates of some of our most popular dividend bearing products.

Rates Accurate as of February 1, 2013.

APY = Annual Percentage Yield. Fees may reduce earnings.

First Rate Checking*

BalanceDividend RateAPY
Balances up to $25,0001.49%1.51%
Balances over $25,0000.15%1.51% - 0.41%

depending on account balance

All balances if qualifications aren't met0.15%0.15%

To earn rewards, each monthly qualification cycle:

  • Have at least 25 debit card transactions post and settle
  • Have at least one direct deposit post and settle
  • Enroll in and receive eStatements

Checking Accounts

ProductMinimum to Open and Obtain APYAPYCompounding and Crediting Frequency
Checking I$0 0N/A
Checking II$0 / $750 0.10%Monthly
Business Plus Checking$1,0000.10%Monthly

Savings Accounts

ProductMinimum to Open and Obtain APYAPYCompounding and Crediting Frequency
Regular Sharea$1 / $1000.15%Quarterly
Secondary Sharea$0 / $1000.15%Quarterly
Business Savingsa$1 / $1000.15%Quarterly
Money Management Savings

(No minimum to open)

$1,000 - $24,9990.20%Monthly
$25,000 - $49,9990.25%Monthly
$50,000 or more0.30%Monthly
Club Accountsa$0 / $1000.15%Quarterly
Individual Retirement Accounts (IRA)a$0/ $1000.15%Quarterly
Health Savings Accounts (HSA)b$1 / $250.30%Monthly
Youth Saversa$1 / $250.15%Quarterly

a. The APY is the anticipated APY for the quarter.

b. Rate only available for Health Savings Account contributions.






Loans               

ProductTermAPR
New Autos*36 months; min. $500as low as 1.99%
48 months; under $9,999as low as 2.25%
60 months; min. $10,000 as low as 2.25%
66 months; min. $10,000 as low as 2.99%
72 months; min. $20,000 as low as 2.99%
Used Autos* 36 months; min. $500as low as 1.99%
48 months; under $9,999 as low as 2.25%
60 months; min. $10,000 as low as 2.25%
66 months; min. $10,000 as low as 2.99%
72 months; min. $20,000 as low as 2.99%
New & Used Motorcycles* up to 60 months as low as 3.49%
(MO & IL residents only) 72 months; minimum $20,000as low as 4.49%
Boat, Personal Watercraft and Campers* up to 60 months as low as 4.99%

4.99% APR applies to boats only

61 months to 120 months as low as 7.45%
Vacation/Holiday Loan* up to 12 months as low as 8.00%
Member's Choice (Signature Loan)* up to 60 months as low as 9.45%
The Wedding Loan (Signature Loan)* up to 60 months as low as 7.49%
New You Loan up to 60 months as low as 8.45%
Stock Secured up to 60 months or one payment note renewable every 6 months 6.00%
Share Secured up to 12 months or one payment note renewable every 6 months Share rate + 2%
Certificate Secured up to 60 months or one payment note renewable every 6 months, not to exceed maturity CD rate + 2%
Credit Cards
Visa Platinum Preferred $19 annual fee 11.90%
Visa Platinum no annual fee 7.90%
Visa Gold no annual fee 8.90%
Visa Classic no annual fee 15.90%
MasterCard $29 annual fee 9.90%

*Rates reflect a 2% APR discount for an automated payment method. An automated payment could be a payroll deduction, transfer from a credit union account or a transfer from an account at another institution. Rates, terms and conditions are subject to change without notice.

Auto, motorcycle, boat, personal watercraft and campers, Vacation, Member's Choice, Wedding and New You loan rates determined by credit history. Call 1-800-767-8880 or (636) 728-3333 for details. Conditions may apply.

Home Equity Loans*

ProductTermAPR
First Line Equity10 year amortization3.99%
Choice Equity10 year amortization 5.75%
15 year amortization5.75%
Home Improvement Loan120 months5.75%

*Rates reflect a 2% APR discount for an automated payment method. An automated payment could be a payroll deduction, transfer from a credit union account or a transfer from an account at another institution. Rates, terms and conditions are subject to change without notice.




Personal CDs

/

Business CDs

/

IRA CDs

Term Minimum to OpenAPYCompounding and Crediting Frequency
6 month certificate$5000.25%Maturity
12 month certificate$5000.40%Maturity
15 month certificate$5000.45%Quarterly
18 month certificate$5000.50%Semi-annually
24 month certificate$5000.70%Annually
36 month certificate$5000.95%Annually
48 month certificate$5001.15%Annually
60 month certificate$5001.45%Annually
72 month certificate$5001.55%Annually

Annual Percentage Yields are subject to change daily.

Deposits are insured for $250,000 by the National Credit Union Administration.

Certificates have substantial penalty for early withdrawal.