Phelps County Bank : St. James Branch
220 N. Jefferson
Saint James , MO 65559
Deposit Rates -
March 15, 2026
CD RATES
APY
MIN
MAX
3 Mo CD
3.55% $1,000
$250,000
Compare
6 Mo CD
3.91% $1,000
$250,000
Compare
12 Mo CD
3.85% $1,000
$250,000
Compare
18 Mo CD
3.80% $1,000
$250,000
Compare
24 Mo CD
3.75% $1,000
$250,000
Compare
30 Mo CD
3.70% $1,000
$250,000
Compare
36 Mo CD
3.65% $1,000
$250,000
Compare
48 Mo CD
3.55% $1,000
$250,000
Compare
60 Mo CD
3.55% $1,000
$250,000
Compare
SAVINGS RATES
APY
MIN
MAX
SAV
0.05% $50
$250,000
Compare
MM RATES
APY
MIN
MAX
Money Market
0.05% $0
$9,999
Compare
Money Market
0.10% $10,000
$24,999
Compare
Money Market
0.65% $25,000
$250,000
Compare
INT CHECKING RATES
APY
MIN
MAX
INTCK
2.02% $1
$250,000
Featured Home Equity Rates in Missouri
Intro APR : 6.240 %
After Intro: 6.240 %
$0
Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period
Intro APR : 6.950 %
After Intro: 6.950 %
$15,000
Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US
Home Equity Loans & Refinance – Cash out
$0
Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates in Missouri
0.000%
$0
Fees & Points
$0 Total
0.000 Pts
($0)
Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender
NMLS ID: 1907
License#: Missouri
6.327%
$1,971
Fees & Points
$2,602 Total
0.813 Pts
($2,602)
Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals
Fees & Points
Total
Pts
($0)
Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews
Fees & Points
Total
Pts
($0)
Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.
Fees & Points
Total
Pts
($0)
Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms
Fees & Points
Total
Pts
($0)
Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Nearby Branches of Phelps County Bank
Other Nearby Banks to Consider
