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The latest rates for our products. The information is regularly updated.
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Savings, Checking, and Certificate Accounts
Effective Date: As of May 21, 2008
(SUBJECT TO CHANGE)
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| Deposit Type |
Minimum Balance |
Dividend Rate
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Annual Percentage Yield |
Method Paid |
| Regular Shares |
$25.00 |
.75% |
.75% |
Quarterly |
| Holiday Club |
N/A |
.75% |
.75% |
Quarterly |
| Kirby Kangaroo Club |
$5.00 |
.75% |
.75% |
Quarterly |
| Premier Checking |
$1,500 |
0.25% |
0.25% |
Monthly |
| IRA Shares |
N/A |
1.55% |
1.56% |
Monthly |
Money Market
Investment |
$1,500
$10,000
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1.25%
1.45%
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1.26%
1.46% |
Monthly |
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| Certificates |
| 6 months |
$1,000 |
2.95% |
2.99% |
Monthly |
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1 Year
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$1,000 |
3.05% |
3.09% |
Monthly |
| 2 Year |
$1,000 |
3.10% |
3.14% |
Monthly
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| Add on Certificates (1) |
| 6 Months |
$100 |
2.75% |
2.79% |
Monthly |
| 1 Year |
$100 |
2.85% |
2.89% |
Monthly |
| 18 Months |
$100 |
2.95% |
2.99% |
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 July 10, 2008
(SUBJECT TO CHANGE)
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| Loan Type |
Amount Financed* |
APR |
Terms |
| New Autos |
Amount Financed |
Annual Percentage Rate |
Terms |
| A |
B |
C |
D |
2007-2008
2007-2008 |
100%
100% |
5.60%
6.10% |
6.60%
7.10% |
8.60%
9.10%
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10.60%11.10%
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Up to 72 months
Up to 84 months
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| Used Autos |
| 2003-2007 |
100% |
5.60% |
6.60% |
8.60% |
10.60% |
Up to 72 months |
| 1998-2002 |
100% |
6.25% |
7.25% |
9.25% |
11.25% |
Up to 60 months |
| Older Used Auto |
100% |
9.99% |
10.99% |
12.99% |
14.99% |
Up to 36 months |
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| New Motorcycles |
| 2007-2008 |
100% |
7.0% |
8.0% |
10.0% |
12.0% |
Up to 60 months |
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| Used Motorcycles |
| 2003-2007 |
100% |
7.5% |
8.5% |
10.5% |
12.5% |
Up to 60 months |
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1998-2002
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100% |
11.49% |
12.49% |
14.49% |
16.49% |
Up to 48 months |
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Includes ATV, Jet Ski, Wave Runner, Tractor and Snowmobile
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| Personal |
| --- |
--- |
13.49% |
14.49% |
16.49% |
18.49% |
Up to 36 months |
| --- |
--- |
14.49% |
15.49% |
17.49% |
19.49% |
Up to 60 months |
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| Visa Classic Card |
| --- |
--- |
10.50% |
Fixed |
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| Visa Platinum Card |
| --- |
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9.50% |
Fixed |
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| Overdraft Line of Credit |
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--- |
9.5% |
10.5% |
12.5% |
14.5% |
Variable Rate |
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| New RVs - New Boats |
| 2007-2008 |
Up to 100% |
6.75% |
7.75% |
9.75% |
11.75% |
Fixed for 60 months*
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2007-2008
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Up to 100%
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7.24%
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8.24%
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10.24%
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12.24%
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Up to 84 months
120 months for loans over $25,000
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*Payments amortized over 120 months, 180 months on loans over $25,000.
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| Used RVs - Used Boats |
| 2003-2007 |
Up to 100% |
6.75% |
7.75% |
9.75% |
11.75% |
Fixed for 60 months* |
| 2002-2005 |
Up to 100% |
8.24% |
9.24% |
11.24% |
13.24% |
Up to 84 months
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| 1998-2001 |
Up to 100% |
8.99% |
9.99% |
11.99% |
13.99% |
Up to 72 months
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*Limited time offer. Rate of 6.75% APR for first 60 months, then adjusts one time to the current rate for new or used RV loan rate. Payments amortize over 120 months; 180 months for loans over $25,000. Promotional rate is for new and used models, 2002-2007. Rates are based on applicant’s credit worthiness.
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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 July 1, 2008
(SUBJECT TO CHANGES)
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| Loan Type |
Loan to Value |
Annual Percentage Rate |
Terms* |
| A |
B |
C |
D |
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Home Equity Line of Credit
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up to 80%
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5.0% |
6.0% |
8.0% |
10.0% |
120 months revolving
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up to 90% 6.0% 7.0% 9.0% 11.0%
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 Loans |
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up to 80% |
6.75% |
7.75% |
9.75% |
11.75% |
Up to 180 months |
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up to 90% |
7.25% |
8.25% |
10.25% |
12.25% |
Up to 180 months |
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Loan to value determined by either assessed or appraised value. Maximum loan amount $200,000.
| Fixed Rate Home Equity - for first 60 months of first mortgage |
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up to 80% 5.50 6.50 8.50 10.50
30 year amortization/5 year balloon
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| Fixed Rate Home Equity - for first 60 months of second mortgage |
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up to 80% 5.75 6.75 8.75 10.75
20 year amortization/5 year balloon
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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.
*APR=Annual Percentage Rate
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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