Rates effective September 22, 2020 - October 5, 2020.

Loan Type Annual Percentage Rate (APR)
New Autos (2020-2016) As low as 4.25%*
Used Autos (2015 and older) As low as 5.25%*
New Agriculture Equipment & Machinery (2020-20016) 5.00%
Used Agriculture Equipment & Machinery (2015 and older) 7.00%
New Utility Vehicles & Lawn Equipment 5.00%
Used Utility Vehicles & Lawn Equipment 7.00%
Home Equity 3.25%
First Mortgage
Mortgage Solutions LLC
Click for Daily Rates
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 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 0.50% 0.50%
$50,000 - $99,999.99 0.40% 0.40%
$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 0.25% 0.25%
6 Month $500.00 $500.00 0.60% 0.60%
7 Month $500.00 $500.00 0.45% 0.45%
9 Month $500.00 $500.00 0.90% 0.90%
11 Month $500.00 $500.00 0.55% 0.55%
1 Year $500.00 $500.00 0.55% 0.55%
18 Month $500.00 $500.00 0.65% 0.65%
2 Year $500.00 $500.00 0.75% 0.75%
3 Year $500.00 $500.00 0.85% 0.85%
4 Year $500.00 $500.00 0.95% 0.95%
5 Year $500.00 $500.00 1.00% 1.00%

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 0.20% 0.20%

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

Online Bill Pay:


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