Rates effective January 23, 2019 - January 31, 2019.

Loans

Loan Type Annual Percentage Rate (APR)
New Autos (2019-2015) As low as 4.25%*
Used Autos (2014 and older) As low as 5.25%*
New Agriculture Equipment & Machinery (2019-2015) 5.80%
Used Agriculture Equipment & Machinery (2014 and older) 7.80%
New Utility Vehicles & Lawn Equipment 5.80%
Used Utility Vehicles & Lawn Equipment 7.80%
Home Equity 5.25%
First Mortgage
Mortgage Solutions LLC
Please Call 1.866.533.4188
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 8.25%*
Signature Loan As low as 8.25%*
Visa Credit Card 7.90%*

*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 0.75% 0.75%
$50,000 - $99,999.99 0.65% 0.65%
$25,000 - $49,999.99 0.55% 0.55%
$ 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 1.00% 1.00%
7 Month $500.00 $500.00 0.45% 0.45%
9 Month $500.00 $500.00 0.45% 0.45%
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 1.98% 2.00%
2 Year $500.00 $500.00 0.95% 0.95%
3 Year $500.00 $500.00 1.00% 1.00%
4 Year $500.00 $500.00 1.09% 1.10%
5 Year $500.00 $500.00 1.19% 1.20%

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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