Willow Springs

Willow Springs Branch
708 E Main
Willow Springs, MO 65793
(417) 469-5013
Fax: (417) 469-5016
Lobby Hours:
Monday - Friday 9 a.m. - 5 p.m.
Saturday 9 a.m. - Noon

Drive-up Hours:
Monday - Friday 8 a.m. - 6 p.m.
Saturday 9 a.m. - Noon

We're proud to serve you and the Willow Springs community

West Plains Bank and Trust Company, rooted in Howell County since 1883, first announced plans to join the Willow Springs Community in 2018. A temporary facility was located on Main Street and the Willow Springs Branch team began serving customers in October of that year. Construction on the permanent facility started right away with doors opening to customers on Dec. 30, 2019.

The entire community was invited for a grand opening in February 2020. Following that celebration, our bankers continue to celebrate the many friends who continue to come through the doors to experience our unique style of community banking. We love serving our community through volunteering and donating to organizations, events and causes that are meaningful to the people in our area.

In 2019, a Willow Springs Bears debit card was introduced. Each time one of these cards is used to make purchases at a retailer, West Plains Bank and Trust Company gives back to Willow Springs Schools. Click to learn more about our community card program.

At West Plains Bank and Trust Company, we value the communities we serve. We are dedicated to making them financially stronger and healthier at every level. Providing local businesses and individuals with helpful banking that makes sense for them is just the beginning.

As members of the Willow Springs community, our employees understand our customers are more than clients—you’re neighbors. We take the time to listen first, and then apply our years of banking experience to find the best services and products to support your goals. Our Willow Springs branch proudly supports the community and finds opportunities to give back through participation in local charities and events.

Personal Checking Accounts

Your money, your checking, your way.

Are you ready for a personal checking account that works for you? We have several checking account options from free checking accounts to direct interest checking accounts for you to choose from. Click here to compare our personal checking account options to discover which account is the perfect fit for your banking needs. And we make switching banks easy with our Switch Kit!

Click here to open a checking account online

Personal Savings Accounts

Invest in your future.

No matter your age, job or financial situation, everyone needs to prepare for the future. We are here to help you do just that. Watch your savings grow with one of our personal savings accounts. With competitive interest rates and a variety of account options, from Santa savings accounts to money market accounts, we can help your money go further. Click here to compare our personal savings account options to discover which account is the perfect fit for your banking needs.

Click here to open a savings account online

Personal CDs

Get safe and secure savings with a CD

If you have money saved for a future financial goal and would like to earn interest until you need it, a certificate of deposit (CD) is a great option. Along with earning interest, the account is FDIC insured. We offer competitive interest rates to help you meet your savings goals. All of our certificate of deposit accounts have a choice of maturities ranging from 1 month to 5 years with a minimum deposit of $1,000.

Click here to learn more about our high-yield CDs, visit our Willow Springs location or contact a customer service representative.

Home Loan Products

Your trusted mortgage experts

We want to help you secure your dream house with our flexible home loans that can be tailored to fit your individual needs. Are you a first-time buyer starting the home mortgage process and exploring home loans? Are you looking for home loans for a construction project or large repair? Maybe you’re interested in the flexibility of a home equity line of credit for a home improvement project. No matter what type of home loans you’re interested in, we can customize a loan product to fit your specific needs or home mortgage.

Apply Now for a Home Loan

Commercial Loan Products

Let us help you grow

We want to be your banking partner to help you with all your commercial business loan needs, including small business loans and commercial property loans. Whether you are acquiring, managing, or growing a small business, or need a startup business loan in Willow Springs or the surrounding area, we can help you find a loan that’s customized to fit your cash flow needs.

Apply Now for a Commercial Loan

Josh Henry
Loan Officer
  • Specializes in mortgages, small business lending, agricultural lending and personal loans
  • Joined West Plains Bank and Trust Company in 2018
  • Enjoys community involvement and time with his family
  • "I am proud to be serving customers of West Plains Bank and Trust Company in the Willow Springs and surrounding area. It's rewarding to match our bank products and services to the needs of my customers and help them achieve their goals."
Kim Fredrick
Branch Manager

  • Specializes in retail banking - business and personal accounts, and deposit products
  • Joined West Plains Bank and Trust Company in 2018
  • Enjoys community involvement, and time with her family
  • "Serving the community of Willow Springs and the surrounding area as a community banker is exciting. I love welcoming new customers and helping those with long-time relationships get the most out of banking with West Plains Bank and Trust Company."