Deposit Rates

As of January 27, 2014


Savings

Account Rate APY
Regular Savings 0.15% 0.15%
Kids Savings 0.15% 0.15%
Holiday/Vacation Savings 0.15% 0.15%
Health Savings (HSA) 0.10% 0.10%

Checking

Account Dividend Rate APY
Free Checking n/a n/a
Checking Plus 0.10% 0.10%
Premium Checking 0.15% 0.15%
Senior Checking 0.10% 0.10%
Preferred Checking 0.10% 0.10%

Money Markets

$5,000 minimum opening deposit

Balance Dividend Rate APY
$5,000–9,999 0.20% 0.20%
$10,000–24,999 0.20% 0.20%
$25,000–49,999 0.25% 0.25%
$50,000–74,999 0.30% 0.30%
$75,000–99,999 0.35% 0.35%
$100,000 or more 0.40% 0.40%

Money Market Plus

$15,000 minimum opening deposit. You must maintain a $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply.

Balance Dividend Rate APY
$15,000 or more 0.40% 0.40%

Certificates of Deposit*

$1,000 minimum opening deposit

Term Rate APY
6 month 0.30% 0.30%
11 month 0.40% 0.40%
12 month 0.40% 0.40%
14 month 0.10% 0.10%
15 month 0.40% 0.40%
18 month 0.50% 0.50%
24 month 0.60% 0.60%
36 month 0.90% 0.90%
48 month 1.10% 1.10%
60 month 1.35% 1.35%

Roth/Traditional IRA CDs & Coverdell Savings Accounts*

$500 minimum opening deposit

Term Rate APY
12 month 0.40% 0.40%
18 month 0.50% 0.50%
24 month 0.60% 0.60%
36 month 0.90% 0.90%
48 month 1.10% 1.10%
60 month 1.35% 1.35%
IRA Accumulation** 0.32% 0.32%

APY–Annual Percentage Yield. Rates subject to change. Fees may reduce earnings on accounts.

*Penalty imposed for early withdrawal.
**A regular monthly dividend will be paid on daily balances for the month.

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BRENTWOOD 2345 S. Brentwood     O’FALLON 4161 Highway K     KIRKWOOD 465 S. Kirkwood     (636) 720-2400 or (800) 500-6860
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