Rates effective July 9 to July 15, 2024.

Loan Type Annual Percentage Rate (APR)
New Autos (2024 - 2020) As low as 6.74%*
Used Autos (2019 - 2005) As low as 7.75%*
New Agriculture Equipment & Machinery (2024 - 2020) 7.75%
Used Agriculture Equipment & Machinery (2019 and older) 9.75%
New Utility Vehicles & New Lawn Equipment 7.75%
Used Lawn Equipment 9.75%
Home Equity 8.50%
First Mortgage 30 Year Fixed Rate – Conventional: 6.25%
20 Year Fixed Rate – Conventional: 5.99%
15 Year Fixed Rate – Conventional: 5.75%
10 Year Fixed Rate – Conventional: 5.49%

Call Leslie or Madison today at 816-279-5656
to help you with your mortgage loan!
Share Secure Rate is 2% above share or certificate rate.
New RV/Camper, Boat/Trailer and Motorcycle (2024 - 2020) As low as 6.74%*
Used RV/Camper, Boat/Trailer and Motorcycle (2019 - 2005) As low as 7.75%*
Unsecured Line of Credit As low as 10.25%*
Signature Loan As low as 10.25%*
Visa Credit Card As low as 11.75%*

*Rates quoted "As Low As" are determined by underwriting guidelines including member's credit bureau score and term of loan. Contact a Consumer Loan Officer for more information.


Money Market Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$ 1,000 - $24,999.99 1.00% 1.00%
$25,000 - $49,999.99 1.49% 1.50%
$50,000 - $99,999.99 1.74% 1.75%
$100,000 or more 1.98% 2.00%

Savings, Holiday & Vacation Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$1.00 - $24.99 n/a n/a
$25.00 or more 0.15% 0.15%

Checking Accounts

Type Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
Premier $500.00 or more 0.10% 0.10%
Premier $0.00 - $499.99 n/a n/a
Basic n/a n/a n/a

Share Certificates

Term Regular
Minimum Balance
IRA
Minimum Balance
Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
3 Month $500.00 $500.00 2.72% 2.75%
6 Month $500.00 $500.00 2.72% 2.75%
7 Month $500.00 $500.00 5.27% 5.40%
9 Month $500.00 $500.00 2.72% 2.75%
11 Month $500.00 $500.00 5.32% 5.45%
1 Year $500.00 $500.00 2.72% 2.75%
18 Month $500.00 $500.00 5.37% 5.50%
2 Year $500.00 $500.00 2.72% 2.75%
3 Year $500.00 $500.00 2.72% 2.75%
4 Year $500.00 $500.00 2.72% 2.75%
5 Year $500.00 $500.00 2.72% 2.75%

IRA Savings Accounts

Minimum Balance Nominal Interest Rate (NIR) Annual Percentage Yield (APY)
$1.00 - $24.99 n/a n/a
$25.00 or more 0.15% 0.15%

Note: All rates subject to change without notice.

Postal & Community logo

Routing Number: 301281968

Main Office:

3921 Oakland Avenue
St. Joseph, MO 64506
Phone: 816-279-5656
FAX: 816-279-5660
Loan FAX: 816-364-1649


Mailing Address:

P.O. Box 8035
St. Joseph, MO 64508

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