Rates effective August 2 – August 15, 2022.

Loan Type Annual Percentage Rate (APR)
New Autos (2022 - 2018) As low as 4.25%*
Used Autos (2017 - 2003) As low as 5.25%*
New Agriculture Equipment & Machinery (2022 - 2018) 5.50%
Used Agriculture Equipment & Machinery (2017 and older) 7.50%
New Utility Vehicles & New Lawn Equipment 5.50%
Used Lawn Equipment 7.50%
Home Equity 5.50%
First Mortgage Call Leslie or Alexa for
Daily Rates at 816-279-5656
Share Secure Rate is 2% above share or certificate rate.
New RV/Camper, Boat/Trailer and Motorcycle As low as 4.25%*
Used RV/Camper As low as 5.25%*
Used Boat/Trailer As low as 5.25%*
Used Motorcycle As low as 5.25%*
Unsecured Line of Credit As low as 7.75%*
Signature Loan As low as 7.75%*
Visa Credit Card As low as 9.75%*

*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)
$100,000 or more 0.40% 0.40%
$50,000 - $99,999.99 0.35% 0.35%
$25,000 - $49,999.99 0.30% 0.30%
$ 1,000 - $24,999.99 0.25% 0.25%

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 0.75% 0.75%
6 Month $500.00 $500.00 1.49% 1.50%
7 Month $500.00 $500.00 0.85% 0.85%
9 Month $500.00 $500.00 1.00% 1.00%
11 Month $500.00 $500.00 1.09% 1.10%
1 Year $500.00 $500.00 1.24% 1.25%
18 Month $500.00 $500.00 1.49% 1.50%
2 Year $500.00 $500.00 1.74% 1.75%
3 Year $500.00 $500.00 1.98% 2.00%
4 Year $500.00 $500.00 2.23% 2.25%
5 Year $500.00 $500.00 2.47% 2.50%

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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