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Savings, Checking, and Certificate Accounts

Effective Date: As of June 10, 2010
(SUBJECT TO CHANGE)

 
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

 
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
 
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

ALL certificates can be used for IRAs

 

Penalties may be imposed for early withdrawal.



    



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.

Loan Type Amount Financed* APR Terms
New Autos Amount Financed Annual Percentage Rate
As low as
Terms

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

 
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
 
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

Includes ATV, Jet Ski, Wave Runner, Tractor and Snowmobile

 
Personal

---
---

---
---
13.49%
14.49%
Up to 36 months
Up to 60 months
--- ---    
       
 
Visa Classic Card
--- --- 10.50%  
 
Visa Platinum Card
--- --- 9.50%  
 
Overdraft Line of Credit
--- --- 9.5% Variable Rate
 
New RVs and Boats - 2009-2010

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%

Up to 60 months

Up to 84 months

**Up to 120 months

**Up to 180 months
 
Used RVs and Boats - 2000-current

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%

Up to 60 months

Up to 84 months

**Up to 120 months
**Up to 180
 months

Rates/terms based on credit worthiness and amount financed.  **Financing of terms 120 - 180 months may require a down payment.

 

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



    



Home Equity Loan Rates

As of June 10, 2010
(SUBJECT TO CHANGES)

 
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

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.

 
Fixed Rate Home Equity Loan

 ---

up to 80% 6.25% Up to 180 months

 

     
Loan to value determined by either assessed or appraised value.  Maximum loan amount $200,000.
 
1st Mortgage Fixed Rate Home Equity - for first 84 months of first mortgage*

 ---

up to 80% 5.20% 30 year amortization/7 year balloon.  Maximum loan amount $200,000.
 
2nd Mortgage Fixed Rate Home Equity - for first 84 months of second  mortgage*

 ---

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.
 


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.

 
* 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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