Online Banking

Rates

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

Rates Accurate as of May 11, 2018.

APY = Annual Percentage Yield. Fees may reduce earnings.

First Rate Checking*

BalanceDividend RateAPY
Balances up to $25,0001.982%2.00%
Balances over $25,0000.15%2.00% - 0.52%

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

Savings Accounts

ProductMinimum to Open and Obtain APYAPYCompounding and Crediting Frequency
Regular Sharea$1 / $1000.30%Quarterly
Secondary Sharea$0 / $1000.30%Quarterly
Business Savingsa$1 / $1000.30%Quarterly
Money Management Savings

(No minimum to open)

$1,000 - $24,9990.45%Monthly
$25,000 - $49,9990.50%Monthly
$50,000 or more0.55%Monthly
Club Accountsa$0 / $1000.30%Quarterly
Individual Retirement Accounts (IRA)a$0/ $1000.30%Quarterly
Health Savings Accounts (HSA)b$1 / $250.55%Monthly
Youth Saversa$1 / $250.30%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 2.49%
48 months; under $9,999as low as 3.00%
60 months; min. $10,000 as low as 3.00%
66 months; min. $10,000 as low as 3.74%
72 months; min. $20,000 as low as 3.74%
84 months; min. $25,000as low as 4.74%

Used Autos* 36 months; min. $500as low as 2.49%
48 months; under $9,999 as low as 3.00%
60 months; min. $10,000 as low as 3.00%
66 months; min. $10,000 as low as 3.74%
72 months; min. $20,000 as low as 3.74%
84 months; min. $25,000as low as 4.74%
New & Used Motorcycles* up to 60 months as low as 3.99%
(MO & IL residents only) 72 months; minimum $20,000as low as 4.99%
Recreational Vehicles*

Boats, ATVs, RVs, and campers

up to 60 months as low as 6.45%
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 9.45%
Overdraft Protection Line of Credit $35/month per $100012.95%
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 no 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%
Visa Basicno annual fee 18.00%
Visa Securedno annual fee9.90%
MasterCardno annual fee9.90%

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 amortization5.49%
Choice Equity10 year amortization 5.75%
15 year amortization5.75%
Home Improvement Loan120 months5.75%




Personal CDs

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Business CDs

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IRA CDs

Term Minimum to OpenAPYCompounding and Crediting Frequency
6 month certificate$5000.85%Maturity
12 month certificate$5001.20%Maturity
15 month certificate$5001.25%Quarterly
18 month certificate$5001.35%Semi-annually
24 month certificate$5001.55%Annually
36 month certificate$5001.85%Annually
48 month certificate$5002.05%Annually
60 month certificate$5002.35%Annually
72 month certificate$5002.50%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.