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DEPOSIT PRODUCTS

CHECKING PRODUCTS

LOAN PRODUCTS

ID THEFT PREVENTION

PRIVACY NOTICE

DEPOSIT PRODUCTS



Information for Checking and Savings Accounts:
Variable Rate Information:  All interest bearing checking and savings accounts earn a variable rate.  At our discretion, your interest rate and annual percentage yield may change at any time.
Compounding and Crediting Frequency:  Checking and Health Savings Accounts-Interest will be compounded and credited every month. Savings-Interest will be compounded and credited every quarter.
Effect of Closing Account:  If you close your account before interest is credited, you will not receive the accrued interest.
Balance Computation Method:  We use the daily balance method to calculate interest; this method applies a daily periodic rate to the collected balance in the account each day.
Accrual of Interest on Noncash Deposits:  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (i.e. checks).
Service Charges:  Service charges will apply to all checking accounts on a monthly basis, savings on a quarterly basis, if a minimum balance is not maintained or other required account stipulations are not met for each applicable account type.
Bonus:  Any promotion offered by Community First Bank will be reported on your statement and on your year-end tax form.
 

 
 

SAVINGS ACCOUNTS

  • Minimum balance to open     $100.00
  • Minimum balance to obtain disclosed Annual Percentage Yield    $25.00
  • Variable Rate Account
  • Fee if excess transfers exceeded  $1.00 per withdrawal   Applicable if there is an excess of three withdrawals per quarter from this account.  Withdrawals include:  transfers, automatic payments, ATM, withdrawals, etc.
  • Transactions limited by regulations.  If transaction limitations are exceeded, customer may be required to change account product.
  • Statements printed and mailed quarterly in March, June, September, and December

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MONEY MARKET ACCOUNTS

  • Minimum balance to open account    $100.00  
  • Minimum balance to obtain disclosed APY    $0.00
  • Variable Rate account
  • Fee applicable if there are an excess of six withdrawals during a statment cycle.  Withdrawals include:  checks paid, automatic transfer or payment, debit card, withdrawal, etc.
  • Fee if excess transfers exceeded      $1.00 per withdrawal
  • Transactions limited by regulations.  If transaction limitations are exceeded, customer may be required to change account product.
  • Interest rate tiered according to balance:
    • 0.01-$2,499.99-current rate/APY, inquire with CSR
    • $2,500.00 to $9,999.99-current rate/APY
    • $10,000.00-$24,999.99-current rate/APY
    • $25,000.00-$49,999.99-current rate/APY
    • $50,000.00-$89,999.99-current rate/APY
    • $90,000.00 or greater-current rate/APY
  • If balance falls below $2,500.00, the interest rate will drop to the current NOW account rate.

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CERTIFICATE OF DEPOSITS

  • Minimum balance to open account  $1,000 
  • Terms Available are as follows:
    • 3 month
    • 6 months
    • 12 months
    • 24 months
    • 36 Months
    • 48 Months
    • 60 Months
  • Penalties for Early Withdrawal are:
    • 3 months interest penalty for any certificate with a term of 6 months or less
    • 6 months interest penalty for any certificate with a term of 12 months
    • 12 months interest penalty for any certificate with a term greater than 12 months
    • Penalties are waived due to death of owner
Fees could reduce earnings on the account.

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DEPOSIT RATES

 
 
BUTLER
915 W. Ft. Scott St.
P.O. Box 407
Butler, MO 64730
(660) 679-3135

Lobby Hours:
9-4 Mon-Fri, 9-12 Sat
Drive-Up Hours:
8:30-4:30 Mon-Thu,
8:30-6 Fri, 8:30-12 Sat

1109 W. Ft. Scott St.
P.O. Box 407
Butler, MO 64730
(660) 679-6191

Lobby Hours:
9-4 Mon-Fri, closed Sat
Drive-Up Hours:
8:30-4:30 Mon-Fri, closed Sat

APPLETON CITY
214-16 W. 4th St.
P.O. Box 65
Appleton City, MO 64724
(660) 476-2124

Lobby Hours:
9-3 Mon-Fri, 9-12 Sat
Drive-Up Hours:
8-4:30 Mon-Fri, 8-12 Sat

*24-hr ATMs at all locations
 
FDIC
EHL
Member FDIC
Equal Housing Lender.
 
 
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