<?xml version='1.0' encoding='utf-8'?><!--Generated by Screaming Frog SEO Spider 9.2-->
<urlset xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>
 <url>
 <loc>https://www.charterbanker.com/</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>1.0</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/privacy-policy</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/business/checking</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/about/community</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/security</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/cds-iras</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/locations</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/savings-investments</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/mortgages</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/business</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/guides</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/business/online-services</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/about/employment</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/switch</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/about-us/meet-our-team</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal-banking/credit-cards</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/rates</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/commercial</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/about</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/online-services</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/construction</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/business/savings-investments</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/consumer-auto</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/services</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/web-accessibility-guidelines</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/business/cash-management</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/check-reorder</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/applications</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/checking</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/personal/debit</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/lending/home-equity</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Consumer%20Loan%20Application.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/terms-of-use</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.9</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Staying-Safe-Online.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/FDIC-Beware-of-Fake-Checks.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/loan-consolidation-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/When-is-a-Check-Good.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Personal%20Financial%20Statement.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Switch%20Kit-Grimes.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/bill-pay-resources</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Home%20Loan%20Toolkit.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Home%20Equity%20Loan%20Application.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/investment-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/2023%20Home%20Equity%20Program%20Disclosure.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/CFPB%20CHARM%20Booklet.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Switch%20Kit-Ankeny.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/locations/ankeny-branch</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/credit-card-payoff-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Security-Tips-for-Debit-Cards.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/URLA_2019_Addl_Borrower_v28.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/locations/grimes-branch</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/loan-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/monthly-savings-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/locations/johnston-branch</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Adjustable-Rate%20Program%20DisclosureNEW.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/ach-resources</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Switch%20Kit-Waukee.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Phishing-Prevention-Tips.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/ATM-Awarenes.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/privacy-policy/mobile-privacy-policy</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/URLA_2019_Borrower_v28(1).pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/mortgage-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Commercial%20Loan%20Application.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/CFPB%20HELOC%20Booklet.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Money-Mule-Infographic.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/car-affordability-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/locations/waukee-branch</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Types-of-Fraud.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/retirement-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/education-planning-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/retirement-longevity-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/10-Tips-for-Avoiding-Online-Scams.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/contact-us</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/future-value-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Application%20for%20Employment%20-%20fillable%20short.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/documents/Switch%20Kit-Johnston.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/mortgage-qualification-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/resource-center/calculators/rent-or-buy-calculator</loc>
 <lastmod>2025-03-25</lastmod>
 <changefreq>daily</changefreq>
 <priority>0.8</priority>
 </url>
 <url>
 <loc>https://www.charterbanker.com/uploads/userfiles/files/content/Bill-Pay-Resources.pdf</loc>
 <lastmod>2025-03-20</lastmod>
 <changefreq>monthly</changefreq>
 <priority>0.7</priority>
 </url>
</urlset>