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Savings, Checking, and Certificate Accounts

Effective Date: As of October 14, 2011 
(SUBJECT TO CHANGE)

 
Deposit Type Minimum Balance

Dividend Rate

Annual Percentage Yield Method Paid
Regular Shares $25.00 .20% .20% Quarterly
Holiday Club N/A .20% .20% Quarterly
Kirby Kangaroo Club $5.00 .20% .20% Quarterly
Premier Checking $1,500 .10% .10% Monthly
IRA Shares N/A .50% .50% Monthly
Money Market
Investment

$1,500

.50%

.50%

Monthly
On balances $1,500+

 
Certificates
6 months $1,000 .35% .35% Monthly
1 Year $1,000 .55% .55% Monthly
2 Year $1,000 .95% .95% Monthly
 
Add on Certificates (1)
6 Months $100 .35% .35% Monthly
1 Year $100 .55% .55% Monthly
18 Months $100 .75% .75% Monthly

ALL certificates can be used for IRAs

 

Penalties may be imposed for early withdrawal.



    



Loan Rates

As of January 11, 2012
(SUBJECT TO CHANGE)

 

New Autos Amount Financed Annual Percentage Rate
As low as
Terms

2011-2012
2011-2012
2011-2012

100%
100%
100%

3.25%
3.50%
4.00%

Up to 60 months
Up to 72 months
Up to 84 months

 
Used Autos
2002-2011
2002-2011
100%
100%
3.25%
3.50%
Up to 60 months
Up to 72 months
Older Used Auto 100% 9.99% Up to 36 months
 
New Motorcycles
2011-2012 100% 7.50% Up to 60 months
 
Used Motorcycles
2007-2011 100% 8.00% Up to 60 months

2002-2006

100% 11.49% Up to 48 months

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

 
Personal

---

---
---

8.50%
9.00%

Up to 36 months
Up to 60 months
--- ---    
 Share Secured    3% above deposit rate  Up to 100% of funds on deposit
 
Visa Classic Card
--- --- 10.50%  
 
Visa Platinum Card
--- --- 9.50%  
 
 
       
 
RVs and Boats - 2002-2012

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%

6.50%

6.50%

6.50%

7.00%

Up to 60 months

Up to 84 months

**Up to 120 months

**Up to 180 months
 
RVs and Boats - 1996-2001
Contact Financial Service Rep    

 

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 September 14, 2011
(SUBJECT TO CHANGES)

 Compare and save!  Contact one our financial services representatives to discuss the "total price" of a loan, inluding rates and fees, to compare our loans with other financial institutions.  Chances are, we'll save you money!
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% 4.90% Up to 180 months
*3/4% origination fee.  All other fees are third party.

 

     
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% 4.75% 30 year amortization/7 year balloon.  Maximum loan amount $200,000.
*3/4% origination fee.  All other fees are third party.

 

2nd Mortgage Fixed Rate Home Equity - for first 84 months of second  mortgage*

 ---

up to 80% 4.75% 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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