Young child takes first steps while holding on to mom's hands.

Savings

The secure and smart way to earn interest and still have convenient access
to your funds.
  • MUST have a Kasasa checking account. Please call a Customer Service Representative to open a Kasasa Saver account
  • Earn High Interest on Your Savings
  • Minimum $25.00 deposit to open account
  • Earn 0.75% APY* on all Kasasa Saver balances up to and including $20,000.00 and 0.25% APY on balances over $20,000.00, depending
MINIMUM DEPOSIT TO OPEN $200
SERVICE CHARGE None with minimum balance of $200, or if other deposit accounts total average daily balance exceeds $5,000. Otherwise $5 per month.
INTEREST BEARING*
Interest rates increase with
savings each tier:**
Tier 1-$200 to $9,999.99
Tier 2-$10,000.00-$39,999.99
Tier 3-$40,000 and above.
WITHDRAWALS & TRANSFER Three per monthly cycle at no charge. $3 for each additional withdrawal.
SERVICE FEE $5 if account closes within 60 days.
EXTRAS
MINIMUM DEPOSIT TO OPEN $5
SERVICE CHARGE None
INTEREST BEARING*
Yes with collected balance of $25**
WITHDRAWALS & TRANSFER One per monthly cycle at no charge. $3 for each additional withdrawal.
SERVICE FEE $5 if account closes within 60 days.
EXTRAS  A parent or guardian must be listed on the account as co-owner.
MINIMUM DEPOSIT TO OPEN $2,500
SERVICE CHARGE None with minimum balance of $2,500 otherwise $8 per month.
INTEREST BEARING*
Yes with collected balance of $2,500. Interest is credited and compounded to the
account monthly.
WITHDRAWALS & TRANSFER Three debits at no charge, $2 for each additional withdrawal. 
Limit 6 per monthly cycle.
SERVICE FEE None
EXTRAS
 For your convenience, the bank will keep digital copies of your
paid checks.
MINIMUM DEPOSIT TO OPEN $100 (and $10 set up fee)
SERVICE CHARGE $2 per month regardless of balance with eStatements. $4 per month if bank mails statements.
INTEREST BEARING*
Interest rates vary with
savings each tier:**
Tier 1-$0.00 to $999.99
Tier 2-$1,000.00-$4,999.99
Tier 3-$5,000 and above.
WITHDRAWALS & TRANSFER Unlimited, HSA debit card at no charge.
SERVICE FEE $25 transfer/closing fee.
EXTRAS Must be enrolled in a qualified high deductible health insurance plan to contribute to an HSA. Contributions are tax-deductible. 
Fixed Rate Certificates of Deposit and IRAs are available for terms of 3 months to 60 months, $1000.00 minimum deposit. Interest is compounded annually.
 
Take advantage of tax-deferred growth on your retirement savings by investing in a Commercial Bank Individual Retirement Account (IRA). We offer IRA terms from 1 year to 5 years with competitive interest rates.
 
Variable rate IRAs are available only for terms of 18, 36 and 60 months. These certificates may automatically renew at the rate in effect on the renewal date.
 
PLEASE NOTE THERE ARE SUBSTANTIAL PENALTIES FOR EARLY WITHDRAWAL.
Our locations have the security you need with safe deposit boxes. Boxes range in size from 2x5 to 10x10. Please call for availability and pricing.

Parsons
1901 Main
1821 Main

Oswego
501 Commercial

Erie
222 S Main

Independence
501 N. Pennsylvania

Chanute
1315 S. Santa Fe Ave

Coffeyville
105 E. 9th

Caney
108 S. McGee

 * Safety Deposit boxes are not FDIC insured.
Want to save for the holidays?
Open a Christmas Club account and start saving for the holiday season!

  • $25.00 minimum to open 
  • You decide what you want to save each month

Funds are automatically set up to transfer each month from your regular checking account and placed into your Christmas Club account. Funds are automatically transferred back into your regular checking account on November 1st. 

If you withdraw from the Christmas Club account before November 1st, you will be charged $10 per withdrawal.