Share Account

Share accounts at SM Federal pay outstanding rates and are free of fees. Minimum balance is $50.00.

Individual Retirement Account

IRA's at SM Federal are compounded quarterly and paid quarterly. Minimum opening balance is $1,000.00.

Certificate of Deposit

Certificate of Deposit Rates are as follows and are subject to change daily. Minimum Deposit $1000.00 Funds can be transferred from share account to open a cd simply by calling our office.

Home Equity Loan

Terms available up to 10 years, Call our office for current rates. Line of Credit Loans and Fixed Rates are both available.

Title Insurance Fee
Up to 15,000.00	$135.00
15,001 to 20,000	$150.00
20,001 to 25,000	$165.00
25,001 to 30,000	$180.00
30,001 to 35,000	$195.00
Recording Fee
Kansas	$32.00
Missouri	$72.00
Mortgage Tax
Kansas Only	$0.26 per 100
Appraisal
$190.00 (if required)

 

First Mortgage Loans

These products would be for the purchase of your primary residence or refinance of your existing first mortgage. We offer very competitive rates. Call our office for a breakdown of fees based on the amount of the loan and what state your property is located in.

Vehicle loans

Terms are based on the year of the vehicle financed. There are no fees associated with auto loans.

Motorcycle, Boat, and Trailer loans are available for 1% over the applicable auto rate. Current rates are always available here.