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Notice of Changes in FDIC Insurance Coverage for Transaction Accounts
By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.
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A Dent County Tradition Since 1883 Phone: 573-729-3137 Contact Us | Privacy Policy | Location/Hours
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About The Bank E-Banking Checking Savings Loans Business
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Current Rates
DEPOSIT RATES
Effective: March 13, 2014
Annual Rate Annual
Percentage
Yield
Interest Checking & Senior 55 Checking
($0 - $999 monthly minimum) 0.05% 0.05%
($1,000 - $2,499) 0.08% 0.08%
($2,500+) 0.10% 0.10%
Regular Passbook & Exempt Passbook Savings
($100.00 monthly average for Regular Savings) 0.10% 0.10%
(No monthly balance requirements for Exempt Regular Savings)
Money Market Deposit Account
($2,500.00 - $9,999 monthly minimum) 0.10% 0.10%
($10,000 - $49,999) 0.12% 0.13%
($50,000 - $99,999) 0.15% 0.15%
($100,000 +) 0.18% 0.18%
This is a variable rate account: the rate(s) and APY(s) may change after the account is opened. You must maintain a minimum daily balance of $2,500.00 to obtain the disclosed annual percentage yield.    
Health Savings Account    
(No monthly minimum or average) 0.25% 0.25%
• EACH DEPOSITOR INSURED TO AT LEAST $250,000 BY THE FEDERAL DEPOSIT INSURANCE CORPORATION.
• RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
• CONTACT AN EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE FEES AND TERMS.

CERTIFICATE OF DEPOSIT RATES
Effective: March 13, 2014
Annual Rate
Annual
Percentage
Yield
3 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.10% 0.10%
$ 50,000 - 99,999 0.12% 0.13%
$ 100,000 and above 0.15% 0.15%
6 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.20% 0.20%
$ 50,000 - 99,999 0.22% 0.23%
$ 100,000 and above 0.25% 0.25%
12 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.30% 0.30%
$ 50,000 - 99,999 0.32% 0.33%
$ 100,000 and above 0.35% 0.35%
18 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.40% 0.40%
$ 50,000 - 99,999 0.42% 0.43%
$ 100,000 and above 0.45% 0.45%
24 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.50% 0.50%
$ 50,000 - 99,999 0.52% 0.53%
$ 100,000 and above 0.55% 0.55%
30 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.65% 0.65%
$ 50,000 - 99,999 0.68% 0.68%
$ 100,000 and above 0.70% 0.70%
36 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 0.80% 0.80%
$ 50,000 - 99,999 0.82% 0.83%
$ 100,000 and above 0.85% 0.85%
 
48 Month Certificate ($1,000 minimum)    
$ 1,000 - 49,999 0.90% 0.90%
$ 50,000 - 99,999 0.92% 0.93%
$ 100,000 and above 0.95% 0.95%
 
60 Month Certificate ($1,000 minimum)
$ 1,000 - 49,999 1.15% 1.15%
$ 50,000 - 99,999 1.18% 1.18%
$ 100,000 and above 1.20% 1.21%
• EACH DEPOSITOR INSURED TO AT LEAST $250,000 BY THE FEDERAL DEPOSIT INSURANCE CORPORATION.
• RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.
• SUBSTANTIAL INTEREST PENALTY MAY BE ASSESSED FOR EARLY WITHDRAWAL OF TIME CERTIFICATES OF DEPOSIT.
• CONTACT AN EMPLOYEE FOR FURTHER INFORMATION ABOUT APPLICABLE FEES AND TERMS.
• ANNUAL PERCENTAGE YIELD CALCULATED ON QUARTERLY INTEREST COMPOUNDING.
• YOU MUST MAINTAIN A MINIMUM DAILY BALANCE OF $1,000.00 TO OBTAIN THE DISCLOSED ANNUAL PERCENTAGE YIELD.

Call us for current rates for loans at:
(573) 729-3137 Main Bank
(573) 729-3306 Drive-In Branch

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