The Central Trust Bank: South Oak Branch

329 South Oak
California, MO 65018

Notable Rates	Vs. Others
Savings 0.05%	4.60% →
1-Year CD 0.25%	4.59% →
2-Year CD 0.35%	4.00% →
5-Year CD 0.60%	4.00% →
30-Year Mortgage N.A.	4.91% →
15-Year Mortgage N.A.	4.39% →
HELOC N.A.	0.99% →

Visit The Central Trust Bank

Your Location:
Essex Junction,Vermont

The Central Trust Bank : South Oak Branch — distance 1081.9 mi

Deposit Rates - December 14, 2025

Savings and Money Market Rates	APY	MIN	MAX
	0.05%	$1,000	$4,999	Learn More Reviews
Money Market	0.05%	$1,000	$4,999	Learn More Reviews
Money Market	0.10%	$10,000	$14,999	Learn More Reviews
Money Market	0.10%	$25,000	$49,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.15%	$1,000	$99,999	Learn More Reviews
6 Mo CD	0.20%	$100,000	-	Learn More Reviews
12 Mo CD	0.20%	$1,000	$99,999	Learn More Reviews
12 Mo CD	0.25%	$100,000	-	Learn More Reviews
18 Mo CD	0.20%	$1,000	$99,999	Learn More Reviews
18 Mo CD	0.25%	$100,000	-	Learn More Reviews
24 Mo CD	0.25%	$1,000	$99,999	Learn More Reviews
24 Mo CD	0.35%	$100,000	-	Learn More Reviews
30 Mo CD	0.25%	$1,000	$99,999	Learn More Reviews
30 Mo CD	0.35%	$100,000	-	Learn More Reviews
36 Mo CD	0.35%	$1,000	$99,999	Learn More Reviews
36 Mo CD	0.45%	$100,000	-	Learn More Reviews
48 Mo CD	0.50%	$1,000	$99,999	Learn More Reviews
48 Mo CD	0.55%	$100,000	-	Learn More Reviews
60 Mo CD	0.55%	$1,000	$99,999	Learn More Reviews
60 Mo CD	0.60%	$100,000	-	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.50%	$1	-	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
	0.05%	$1	$999	Learn MoreShow Less
	0.05%	$1,000	$4,999	Learn MoreShow Less

Loan Rates - December 14, 2025

There are currently no loan rates available for The Central Trust Bank:South Oak 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: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 1067	6.052%	5.990% 0.63 points $2,138 fees	$1,917	Learn More
NMLS ID: 401822	6.139%	6.000% 0.88 points $4,795 fees	$1,919	Learn More
NMLS ID: 6606	6.218%	6.125% 1.00 points $3,178 fees	$1,945	Learn More

See More Mortgage Rates →

Featured - Missouri Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
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
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years

See More Home Equity Rates →

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