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Today is |
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Savings, Checking, and Certificate Accounts
Effective Date: As of October 14, 2011
(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 |
.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%
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.50% |
Monthly
On balances $1,500+
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| Certificates |
| 6 months |
$1,000 |
.35% |
.35% |
Monthly |
| 1 Year |
$1,000 |
.55% |
.55% |
Monthly |
| 2 Year |
$1,000 |
.95% |
.95% |
Monthly |
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| Add on Certificates (1) |
| 6 Months |
$100 |
.35% |
.35% |
Monthly |
| 1 Year |
$100 |
.55% |
.55% |
Monthly |
| 18 Months |
$100 |
.75% |
.75% |
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 January 11, 2012
(SUBJECT TO CHANGE)
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| New Autos |
Amount Financed |
Annual Percentage Rate
As low as |
Terms |
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2011-2012
2011-2012
2011-2012
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100%
100%
100%
|
3.25%
3.50%
4.00%
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Up to 60 months
Up to 72 months
Up to 84 months
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| 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 |
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| New Motorcycles |
| 2011-2012 |
100% |
7.50% |
Up to 60 months |
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| Used Motorcycles |
| 2007-2011 |
100% |
8.00% |
Up to 60 months |
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2002-2006
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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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---
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---
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8.50%
9.00%
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Up to 36 months
Up to 60 months |
| --- |
--- |
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| Share Secured |
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3% above deposit rate |
Up to 100% of funds on deposit |
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| Visa Classic Card |
| --- |
--- |
10.50% |
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| Visa Platinum Card |
| --- |
--- |
9.50% |
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| RVs and Boats - 2002-2012 |
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Ask us for minimum loan amout
Min. $7,500
Min. $15,000
Min. $25,000
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Up to 100%
Up to 100%
Up to 100%
Up to 100%
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6.50%
6.50%
6.50%
7.00%
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Up to 60 months
Up to 84 months
**Up to 120 months
**Up to 180 months |
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| RVs and Boats - 1996-2001 |
| Contact Financial Service Rep |
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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 September 14, 2011
(SUBJECT TO CHANGES)
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| 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* |
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Home Equity Line of Credit
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up to 80%
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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% |
4.90% |
Up to 180 months
*3/4% origination fee. All other fees are third party. |
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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% |
4.75% |
30 year amortization/7 year balloon. Maximum loan amount $200,000.
*3/4% origination fee. All other fees are third party. |
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| 2nd Mortgage Fixed Rate Home Equity - for first 84 months of second mortgage* |
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---
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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. |
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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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