St. Louis Commercial Lending Office

When the Federal Reserve raises interest rates, it influences borrowing and saving across the economy. These changes can affect everything from credit cards and mortgages to savings accounts and certificates of deposit (CDs).

Learn how to budget for back-to-school with practical tips to manage school expenses, save money on school supplies and prepare for a successful school year.

Following an exceptional 2025 season at Pleasant Valley Country Club, the Simmons Bank Championship presented by Stephens Inc. was recently honored with the President’s Award—the highest accolade a tour event can receive for excellence and hospitality.

Paying down debt is one of the most effective ways to strengthen your financial future. Each payment you make helps reduce your balance and paying extra can reduce the interest you’ll pay over time. With a clear plan and consistent habits, managing and reducing debt becomes more achievable. 

Saving money starts with a clear plan. Setting defined goals gives your money direction, keeps you motivated and helps you track your progress. Whether you’re preparing for something soon or planning ahead, a savings strategy can support your goals.

Savings is more than just a number in your bank account—it’s the foundation for your financial peace of mind. Getting started can feel overwhelming, but having a clear strategy makes the process much more manageable. Whether you are building an emergency fund or planning for the future, the right tools can help you reach your goals.