Certificates of deposit offer a competitive rate of return and insured safety for each depositor up to $100,000 by the FDIC. Individual Retirement Accounts are insured up to $250,000 by the FDIC.

• Kansas State Bank Certificates are available for as short as 30 days or as long as 7years. Flexible terms and deposit amounts make this investment alternative a wise choice.

• Your Certificate of Deposit can be written so it will automatically renew, for convenience.

• Interest may be compounded quarterly or paid monthly, quarterly, semi-annually or annually, by check or by automatic credit to your checking or savings account.

• There are required penalties for early withdrawal from a Certificate of Deposit. Penalties will vary according to the terms of each Certificate.

• Using our variable rate certificate, you can pre-arrange regular deposits into your certificate with our automatic funds transfer service. This free service is a fine compliment to any individual or family investment program.