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Deposit Rates

This online rate sheet does not include all products offered by KS StateBank. For additional product and rate information, please call or stop by a branch.


Please note: We reserve the right to limit online applications.

We offer solutions for high-balance deposits.

Account Type Interest Rate APY Minimum to Open Notes
Checking PLUS 2.50% 2.53% $100 Assuming all requirements are met within the statement cycle for balances up to $25,000; interest rate on balances over $25,000 is 1.50%, 1.51% APY.

If qualifications are not met, interest rate drops to 0.25%, 0.25% APY on all balances.
Community Checking
1.00% 1.00% $100 This is a business account. It cannot be opened online. 
Simple Savings 1.00% 1.00% $100
Advantage Money Market
($0.01-$2,499.99)
0.35% 0.35% $2,500
Advantage Money Market
($2,500-$24,999.99)
1.00% 1.00% $2,500
Advantage Money Market
($25,000-$99,999.99)
2.00% 2.02% $2,500
Advantage Money Market
($100,000 and over) 
3.00% 3.04% $2,500
Business Money Market
($0.01-$24,999.99)
1.00% 1.00% $100 This is a business account. It cannot be opened online.
Business Money Market
($25,000-$99,999.99)
2.00% 2.02% $100 This is a business account. It cannot be opened online.
Business Money Market
($100,000 and over)
3.00% 3.04% $100 This is a business account. It cannot be opened online.
6 Month CD 5.10% 5.20% $500
1 Year CD 5.15% 5.25% $500
2 Year CD  4.40% 4.47% $500
27 Month Jump Up CD 4.40% 4.47% Rates apply to current Jump Up accounts only. New accounts are no longer available. Jump Up option allowed one time during term of CD if rate of same term/product goes up. Request for "jump" can be submitted only in person, by telephone or by Online Banking Secure Message.
3 Year CD  4.35% 4.42%  $500
4 Year CD 4.20% 4.27%  $500
5 Year CD 4.10% 4.16%  $500
7 Year CD 4.00% 4.06%  $500

Individual Retirement Accounts (IRAs), business accounts and trust accounts are available in branch only, and are not available for online account opening.


FOR ALL ACCOUNTS LISTED: APY means Annual Percentage Yield. Rates are effective as of 02/26/2024 and are subject to change without notice. You can call 800-588-6805 for current rate information. APY assumes the interest rate remains constant and all interest is credited to the account monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). If an interest bearing account is closed before the interest is credited, you will receive the accrued interest. Certain restrictions may apply. Fees may reduce your earnings.

CHECKING PLUS: The statement cycle cutoff date is the 5th of each month (or the first business day thereafter if the 5th falls on a weekend or holiday). Interest rate and Annual Percentage Yield (APY) may change after the account is open. The minimum balance to obtain the APY is $0.01. The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Avoid the $2 Paper Statement fee for this account by signing up for Online Banking and E-Statements or by maintaining a balance of $5,000 or more.

SIMPLE SAVINGS: Interest rate and Annual Percentage Yield (APY) may change after the account is open. The minimum balance to obtain the APY is $0.01. The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Avoid the $2 Paper Statement fee for this account by signing up for Online Banking and E-Statements.
 
COMMUNITY CHECKING: Interest rate and Annual Percentage Yield (APY) may change after the account is open. The minimum balance to obtain the APY is $0.01. The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

MONEY MARKET ACCOUNTS: Interest rate and Annual Percentage Yield (APY) may change after the account is open. The minimum balance to obtain the APY is $0.01. The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Avoid the $2 Paper Statement fee for this account by signing up for Online Banking and E-Statements.

CERTIFICATES OF DEPOSIT: The daily balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded quarterly and will be credited to the account quarterly. You may be charged a substantial penalty for early withdrawals. Jump Up option allowed one time during term of CD/IRA if rate of same term/product goes up. Requests for “jump” can be submitted only in person, by telephone or by Online Banking Secure Message.





















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