Phelps County Bank: St. James Branch

220 N. Jefferson
Saint James, MO 65559

Notable Rates	Vs. Others
Savings 0.05%	4.60% →
1-Year CD 3.89%	4.59% →
2-Year CD 4.06%	4.10% →
5-Year CD 3.70%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit Phelps County Bank

Your Location:
Wentzville,Missouri

Phelps County Bank : St. James Branch — distance 69.33 mi

Deposit Rates - November 3, 2025

Savings and Money Market Rates	APY	MIN	MAX
SAV	0.05%	$50	$250,000	Learn More Reviews
Money Market	0.05%	$0	$9,999	Learn More Reviews
Money Market	0.10%	$10,000	$24,999	Learn More Reviews
Money Market	0.65%	$25,000	$250,000	Learn More Reviews

CD Rates	APY	MIN	MAX
3 MONTH	1.01%	$1,000	$250,000	Learn More Reviews
6 Mo CD	4.06%	$1,000	$250,000	Learn More Reviews
12 Mo CD	3.89%	$1,000	$250,000	Learn More Reviews
18 Mo CD	3.80%	$1,000	$250,000	Learn More Reviews
24 Mo CD	4.06%	$1,000	$250,000	Learn More Reviews
30 Mo CD	4.11%	$1,000	$250,000	Learn More Reviews
36 Mo CD	4.22%	$1,000	$250,000	Learn More Reviews
48 Mo CD	4.21%	$1,000	$250,000	Learn More Reviews
60 Mo CD	3.70%	$1,000	$250,000	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
INTCK	2.02%	$1	$250,000	Learn MoreShow Less

Checking Rates	APY	MIN	FEE
Ultimate Checking	2.02%	$0	$0.00	Learn MoreShow Less

Loan Rates - November 3, 2025

There are currently no loan rates available for Phelps County Bank:St. James Branch

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Missouri 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 757416	5.955%	5.875% 0.88 points $2,784 fees	$1,893	Learn More
NMLS ID: 1025894	6.209%	6.125% 0.63 points $2,850 fees	$1,945	Learn More
NMLS ID: 1907		points fees		Learn More

See More Mortgage Rates →

Featured - Missouri Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. 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
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. 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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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