Personal & Business Rates
Checking & Savings Rates
Duration: 3 Months (CD Only)*
Rate: 4.04
APY: 4.10
Duration: 6 Months*
Rate: 4.21
APY: 4.25
Duration: 1 Year CD*
Rate: 3.93
APY: 4.00
Open Account Online
Duration: 2 Year CD*
Rate: 3.54
APY: 3.60
Open Account Online
Duration: 3 Year CD*
Rate: 3.44
APY: 3.50
Open Account Online
Duration: 4 Year*
Rate: 3.20
APY: 3.25
Duration: 5 Year*
Rate: 3.20
APY: 3.25
Duration: 18 Month Variable CD/IRA**
Rate: 3.20
APY: 3.25
Duration: 5 Year Variable IRA**
Rate: 3.20
APY: 3.25
*Minimum required opening deposit is $1,000.
**Minimum required opening deposit is $100. Additions of $100 or more are permitted.
No minimum balance required to obtain the Annual Percentage Yield (APY). These rates do not apply to public funds. Please contact Treasury Management for current rates.
APYs accurate as of 12/04/2024. On all CDs and IRAs a penalty may be assessed for early withdrawal. Fees on all accounts could reduce earnings. CDs and IRAs are fixed and variable interest rate accounts.
Amount: $0-$10,000
Rate: 3.93
APY: 4.00
Amount: $10,001 or more
Rate: 0.35
APY: 4.00 - 0.68**
If cycle requirements are not met:
Rate: 0.01
APY: 0.01
High Interest Checking Minimum Required Opening Deposit: $100*
*Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.
**An interest rate of 0.35% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 4.00% to 0.68% depending on the balance in the account.
APY = Annual Percentage Yield. APYs accurate as of 12/04/2024. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Amount: $0-$50,000
Interest Rate: 2.96
APY: 3.00
Amount: $50,001 or more
Interest Rate: 0.35
APY: 3.00 to 1.23**
If cycle requirements are not met:
Interest Rate: 0.01
APY: 0.01
Savings Plus Minimum Required Opening Deposit: $25*
Note: Savings Plus must be combined with High Interest Checking or Cash Back Checking.
*Cycle qualifications must be met. In order to earn Savings Plus reward rates, High Interest Checking or Cash Back Checking qualifications must be met.
**An interest rate of 0.35% will be paid only for that portion of your daily balance that is greater than $50,000. The annual percentage yield for this tier will range from 3.00% to 1.23%, depending on the balance in the account.
APY = Annual Percentage Yield. APYs accurate as of 12/04/2024. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Amount: $0 - $4,999
Interest Rate: 1.98
APY: 2.00
Amount: $5,000 - $9,999
Interest Rate: 1.98
APY: 2.00
Amount: $10,000 - $24,999
Interest Rate: 1.98
APY: 2.00
Amount: $25,000 - $49,999
Interest Rate: 1.98
APY: 2.00
Amount: $50,000 - $99,999
Interest Rate: 2.23
APY: 2.25
Amount: $100,000 or more
Interest Rate: 2.72
APY: 2.75
Money Market Minimum Opening Deposit: $100
APY = Annual Percentage Yield. APYs accurate as of 12/04/2024. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Amount: All Balances
Interest Rate: 0.15
APY: 0.15
Regular Savings Minimum Opening Deposit: $100
APY = Annual Percentage Yield. APYs accurate as of 12/04/2024. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Amount: All Balances
Interest Rate: 0.15
APY: 0.15
Youth Savings Minimum Opening Deposit: $25
Maximum Online Opening Deposit: $100
APY = Annual Percentage Yield. APYs accurate as of 12/04/2024. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Auto Loan Rates
Year: New Only**
Term: 84 months
Rate: 7.28-11.39
APR: 7.49-11.61
Min Vehicle Value: $40,000
Year: 2024 - 2020
Term: 72 months
Rate: 7.03-11.14
APR: 7.27-11.39
Year: 2024 - 2020
Term: 63 months
Rate: 6.78-10.89
APR: 7.05-11.17
Year: 2024 - 2020
Term: 48 months
Rate: 6.53-10.64
APR: 6.87-10.99
Year: 2019 - 2015
Term: 72 months
Rate: 7.33-11.73
APR: 7.57-11.98
Min Vehicle Value: $30,000
Year: 2019 - 2015
Term: 63 months
Rate: 7.08-11.48
APR: 7.35-11.76
Year: 2019 - 2015
Term: 48 months
Rate: 6.83-11.23
APR: 7.17-11.58
Year: 2014 - 2009
Term: 63 months
Rate: 7.37-7.85
APR: 7.64-8.12
Min Vehicle Value: $30,000
Year: 2014 - 2009
Term: 48 months
Rate: 7.12-11.83
APR: 7.46-12.19
Year: 2012 & Newer
Term: 72 months
Rate: 9.28-14.93
APR: 9.52-15.19
Year: 2012 & Newer
Term: 60 months
Rate: 9.03-14.68
APR: 9.31-14.98
Year: 2012 & Newer
Term: 48 months
Rate: 8.78-14.43
APR: 9.13-14.79
New & Used Sport Bike, ATV, Jet Ski or Trailer 60 month term requires a minimum loan amount of $15,000.
Year: New & Used
Term: 120 months
Rate: 8.78-15.43
APR: 8.94-15.41
Year: New & Used
Term: 84 months
Rate: 8.53-15.18
APR: 8.74-15.41
Year: New & Used
Term: 60 months
Rate: 8.03-14.68
APR: 8.31-14.98
Year: New & Used
Term: 48 months
Rate: 7.78-14.43
APR: 8.13-14.79
120 month term for New RV's and Boats only and requires a minimum loan amount of $50,000.
2022 & newer, less than $5K miles, $40K minimum. Rates effective as of 09/06/2024. Sample Annual Percentage Rates (APRs) based on a $15,000 principal, a $100 origination fee, and a 30 day first payment date. Depending on each customer’s specific loan request, the APR may change due to variables in the transaction (i.e. terms, amount financed, loan fees, insurance premiums, first payment date, or similar factors).
Maximum Loan Amount/LTV Guidelines: The maximum loan amount cannot exceed the lesser of 120% of the vehicles NADA value or Purchase price. GAP, ADD, and Vehicle Warranties sold by Emprise are in addition to and can exceed the 120% LTV limit.
LTV can be up 120% of the vehicles NADA value or $5,000, whichever is less. The maximum LTV on any New or Used vehicle loan is based on the Average Retail NADA valuation up to the lesser of 120% or $5,000 for Tiers 1,2,3, and 100% of NADA value for Tier 4 applications. On purchase transactions, the bank will finance the Average NADA Retail value plus sales taxes, warranties, gap, and credit life/disability regardless of LTV, with any additional cash out allowed if the overall LTV is 120% or less.
Rebuilt Salvage Vehicles: The LTV on a rebuilt salvage vehicle is limited to 100% of the NADA "Average" trade-in valuation and does NOT qualify for an LTV greater than 100%. Minimum loan amount is $5,000 unless noted.
Mortgage Rates
The interest rates, annual percentage rates (APRs), and points shown are subject to change without notice. Actual APR will vary based on final loan amount and finance charges. Request a personalized quote to show interest rates and fees available to borrowers with excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed. The monthly payment amount shown includes principal, interest and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow account is established or required.
Business Rates
Duration: 3 Months (CD Only)*
Rate: 4.04
APY: 4.10
Duration: 6 Months*
Rate: 4.21
APY: 4.25
Duration: 1 Year CD*
Rate: 3.93
APY: 4.00
Open Account Online
Duration: 2 Year CD*
Rate: 3.54
APY: 3.60
Open Account Online
Duration: 3 Year CD*
Rate: 3.44
APY: 3.50
Open Account Online
Duration: 4 Year*
Rate: 3.20
APY: 3.25
Duration: 5 Year*
Rate: 3.20
APY: 3.25
Duration: 18 Month Variable CD/IRA**
Rate: 3.20
APY: 3.25
Duration: 5 Year Variable IRA**
Rate: 3.20
APY: 3.25
*Minimum required opening deposit is $1,000.
**Minimum required opening deposit is $100. Additions of $100 or more are permitted.
No minimum balance required to obtain the Annual Percentage Yield (APY). These rates do not apply to public funds. Please contact Treasury Management for current rates.
APYs accurate as of 12/04/2024. On all CDs and IRAs a penalty may be assessed for early withdrawal. Fees on all accounts could reduce earnings. CDs and IRAs are fixed and variable interest rate accounts.
Amount: $0 - $9,999
Rate: .25
Amount: $10,000 - $24,999
Rate: .25
Amount: $25,000 - $49,999
Rate: .25
Amount: $50,000 - $99,999
Rate: .50
Amount: $100,000 - $499,999
Rate: .60
Amount: $500,000 - $999,999
Rate: .60
Amount: $1,000,000+
Rate: .75
Business Interest Checking Minimum Opening Deposit: $100
All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening. For Public Funds rate quotes please contact Treasury Management Sales at 316-383-4491. Please contact 316-383-4301 for additional information.
Amount: All Balances
Rate: .15
Business Savings Account Minimum Opening Deposit: $100
All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening. For Public Funds rate quotes please contact Treasury Management Sales at 316-383-4491. Please contact 316-383-4301 for additional information.
Amount: $0 - $24,999
Rate: 2.00
Amount: $25,000 - $49,999
Rate: 2.00
Amount: $50,000 - $99,999
Rate: 2.25
Amount: $100,000- $499,999
Rate: 2.75
Amount: $500,000 - $999,999
Rate: 2.75
Amount: $1,000,000 and Over
Rate: 2.75
Business Money Market Minimum Opening Deposit: $100
All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening. For Public Funds rate quotes please contact Treasury Management Sales at 316-383-4491. Please contact 316-383-4301 for additional information.