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| Rates |
Today is |
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Savings, Checking, and Certificate Accounts
Effective Date: As of June 10, 2010
(SUBJECT TO CHANGE)
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| Deposit Type |
Minimum Balance |
Dividend Rate
|
Annual Percentage Yield |
Method Paid |
| Regular Shares |
$25.00 |
.25% |
.25% |
Quarterly |
| Holiday Club |
N/A |
.25% |
.25% |
Quarterly |
| Kirby Kangaroo Club |
$5.00 |
.25% |
.25% |
Quarterly |
| Premier Checking |
$1,500 |
0.15% |
0.15% |
Monthly |
| IRA Shares |
N/A |
.50% |
.50% |
Monthly |
Money Market
Investment |
$1,500
|
.60%
|
.60% |
Monthly
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| Certificates |
| 6 months |
$1,000 |
.90 |
.90 |
Monthly |
| 1 Year |
$1,000 |
1.20 |
1.21 |
Monthly |
| 2 Year |
$1,000 |
1.75 |
1.76 |
Monthly |
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| Add on Certificates (1) |
| 6 Months |
$100 |
.75% |
.76% |
Monthly |
| 1 Year |
$100 |
1.00% |
1.00% |
Monthly |
| 18 Months |
$100 |
1.25% |
1.26% |
Monthly |
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ALL certificates can be used for IRAs
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Penalties may be imposed for early withdrawal.
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Loan Rates
As of June 10, 2010
(SUBJECT TO CHANGE)
Members receive a .25% rate reduction off the non-home loan rates listed below when they have three of the following services: Home Banking; E-Statement; Online Bill Pay; Visa Debit Card; Direct Deposit; Payroll Deduction; Auto Transfers; or ATM Card.
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| Loan Type |
Amount Financed* |
APR |
Terms |
| New Autos |
Amount Financed |
Annual Percentage Rate
As low as |
Terms |
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2009-2010
2009-2010
2009-2010
|
100%
100%
100%
|
3.74%
3.99%
4.49%
|
Up to 36 months
Up to 72 months
Up to 84 months
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| Used Autos |
2005-2009
2005-2010 |
100%
100% |
3.74%
4.24% |
Up to 36 months
Up to 72 months |
| 2000-2004 |
100% |
4.74 |
Up to 72 months |
| Older Used Auto |
100% |
9.99% |
Up to 36 months |
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| New Motorcycles |
| 2009-2010 |
100% |
7.0% |
Up to 60 months |
| |
| Used Motorcycles |
| 2005-2009 |
100% |
7.0% |
Up to 60 months |
|
2000-2004
|
100% |
11.49% |
Up to 48 months |
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Includes ATV, Jet Ski, Wave Runner, Tractor and Snowmobile
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| Personal |
|
---
---
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---
--- |
13.49%
14.49% |
Up to 36 months
Up to 60 months |
| --- |
--- |
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| Visa Classic Card |
| --- |
--- |
10.50% |
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| Visa Platinum Card |
| --- |
--- |
9.50% |
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| Overdraft Line of Credit |
| --- |
--- |
9.5% |
Variable Rate |
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| New RVs and Boats - 2009-2010 |
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Ask us for minimum loan amout
Min. $7,500
Min. $15,000
Min. $25,000
|
Up to 100%
Up to 100%
Up to 100%
Up to 100%
|
6.00%
6.50%
7.00%
7.50%
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Up to 60 months
Up to 84 months
**Up to 120 months
**Up to 180 months |
| |
| Used RVs and Boats - 2000-current |
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Ask us for minimum loan amout
Min. $7,500
Min. $15,000
Min. $25,000
|
Up to 100%
Up to 100%
Up to 100%
Up to 100%
|
7.00%
7.50%
8.00%
8.50%
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Up to 60 months
Up to 84 months
**Up to 120 months
**Up to 180
months
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Rates/terms based on credit worthiness and amount financed. **Financing of terms 120 - 180 months may require a down payment.
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Call for other rates and terms at 425-7570.
Office hours:
Monday - Thursday 9:00 AM to 5:30 PM; Friday 9:00 AM to 6:00 PM
Drive-up hours:
Monday - Thursday 8:00 AM to 5:30 PM; Friday 8:00 AM - 6:00 PM; Sat 10-1
Rates for used autos loans good on purchases and refinances from other financial institutions not in-house refinances.
**Term for loans over $25,000
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Home Equity Loan Rates
As of June 10, 2010
(SUBJECT TO CHANGES)
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| Loan Type |
Loan to Value |
Annual Percentage Rate
As low as |
Terms* |
|
Home Equity Line of Credit
|
up to 80%
|
4.0% |
120 months revolving |
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Loan to value determined by either assessed or appraised value. Maximum loan amount $50,000. See terms listed below for Home Equity Line of Credit.
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| Fixed Rate Home Equity Loan |
|
---
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up to 80% |
6.25% |
Up to 180 months |
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| Loan to value determined by either assessed or appraised value. Maximum loan amount $200,000. |
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| 1st Mortgage Fixed Rate Home Equity - for first 84 months of first mortgage* |
|
---
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up to 80% |
5.20% |
30 year amortization/7 year balloon. Maximum loan amount $200,000. |
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| 2nd Mortgage Fixed Rate Home Equity - for first 84 months of second mortgage* |
|
---
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up to 80% |
5.20% |
20 year amortization/7 year balloon. Maximum loan amount $200,000.
*3/4% origination fee. All other fees are third party. |
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Call for other rates, and terms: 425-7570.
* All loan terms are subject to credit union approval.
Office hours: Monday - Thursday 9:00 am. to 5:30 pm. - Friday 9:00 am. - 6:00 pm.
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* Home Equity Lines of Credit are a variable rate loan. Rates may change quarterly. The rate is determined by the Wall Street Journal Prime Rate rounded up to the nearest .125%. Floor is 4.00% with a cap of 18%. Reprice 1st day of the quarter using index from the most recent Federal Reserve statistical release released the 1st Tuesday after the 1st Monday of each month. Closing costs range from $100.00 to $700.00. Maximum line of credit you can borrow is $50,000, minimum line of credit to borrow is $5,000. Minimum payment required on loan is $100.00. Minimum loan advance is $200.00.
The ANNUAL PERCENTAGE RATE varies depending on the loan type you select, and will also be based on your employment and residential status, current debt and your past credit experience, and other factors we deem appropriate. Rates are subject to change without notice. |
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