We keep our rates posted as a convenience to our members while making financial decisions.  Realize rates are subject to change, so when in doubt, please contact a member service representative at the credit union. 

Savings & Checking Rates
March 2010 
 

Type of Investment

Minimum Deposit

Term

APY*

Rate

Regular Savings

$5.00

Open

.40%

.40%

Advantage Account

$2,000.00

Open

.60%

.60%

 

$10,000.00

Open

.75%

.75%

 

$25,000.00

Open

.90%

.90%

Christmas Club

$5.00

Open

   .40%

.40%

Kirby Kangaroo Club

$5.00

Open

     .40%

.40%

IRA Deposit Account

$5.00

Open

    2.00%

1.98%

Share Certificates

$500.00

3 Months

.55%

.55%

   

$500.00

6 Months

.75%

.75%
$500.00 9 Months .90% .90%

   

$500.00

12 Months

1.05%

1.05%

   

$5,000.00

3 Months

.80%

.80%

  

$5,000.00

6 Months

1.00%

1.00%
$5,000.00 9 Months 1.20% 1.19%

  

$5,000.00

12 Months

1.40%

1.39%

 

Adjustable Certificate***

$1,000.00

24 Months

1.55%

1.54%

  

$10,000.00

24 Months

1.80%

1.79%

Plus Checking

$300.00 to earn dividends

Open

.25%

.25%

*** 24 month Share Certificate has a one time adjustable rate feature. At any time during the term of your certificate you may adjust to the current 24 month rate while maintaining the original maturity date.

*APY = Annual Percentage Rate

Loan Rates
March 2010

Loan Type

Rate *

Term

New Auto
(2009 to 2010 Models)
 

3.60%**
4.80%**
5.00%**
6.25%

36 Months
48 Months
60 Months
72 Months

Used Auto
(2007 & 2008 Models)
(2005 & 2006 Models)  
(2003 & 2004 Models)
(2001 & 2002 Models)
(1999 & 2000 Models)

 
5.25%**
5.74%
6.24%
6.85%
7.85%


up to 60 months
up to 60 Months
up to 54 Months
up to 48 Months
up to 36 Months

Recreational Vehicles 
Boats, Motorcycles, Campers, RV's      


6.99%**
6.99%**


New    (2006 - 2010 Models)
Used   (2003 - 2005 Models)

Mobile Homes, Large Motor Homes & Large Boats

Same as 2nd Mortgage

  

Share Secured

  4.00%

  

Share Certificate Secured

2% Above Certificate Rate

  

Education Loans

9.00%

With monthly payment & tuition bills

Personal   

*Current loans require $500.00 add-on for new rate*

9.90%
9.90%
9.90%
9.90%

1 year repayment
2 year repayment
3 year repayment
more than 3 year repayment

Kwik Cash

15.00%

Line of Credit 

1st Mortgage Loans
(call for criteria & costs)

---------

 Up to 30 years

Home Improvement

10.00%

Minimum $1,000 (submit bills or estimate)

Home Equity
80% Loan to Value


81% - 90%  Loan to Value


91% - 100% Loan to Value


4.75%
4.99%**
4.99%**
6.00%
7.25%
7.25%
8.25%
9.50%
9.50%

                                                      
4 year fixed
5 year fixed
up to 30 years, 5 yr balloon pymt 
4 year fixed
5 year fixed
Balloon
4 year fixed
5 year fixed
Balloon

Home Equity Line of Credit
60% Loan to Value
80% Loan to Value

 
Prime rate
Prime rate + 1/2


Variable rate adjusted quarterly
Variable rate adjusted quarterly

MasterCard

9.90%

No annual fee

**Special Rate: Existing loans do not qualify. Advantage Rate does not apply.

* Annual Percentage Rate (APR)

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