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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
July 2010
|
Type
of Investment |
Minimum
Deposit |
Term |
APY* |
Rate |
|
Regular
Savings |
$5.00 |
Open |
.40% |
.40% |
|
Advantage
Account |
$2,000.00 |
Open |
.50% |
.50% |
|
|
$10,000.00 |
Open |
.65% |
.65% |
|
|
$25,000.00 |
Open |
.80% |
.80% |
|
Christmas
Club |
$5.00 |
Open |
.40% |
.40% |
|
Kirby
Kangaroo Club |
$5.00 |
Open |
.40% |
.40% |
|
IRA Deposit
Account |
$5.00 |
Open |
1.75% |
1.74% |
|
Share
Certificates |
$500.00 |
3 Months |
.35% |
.35% |
|
|
$500.00 |
6 Months |
.55% |
.55% |
|
|
$500.00 |
9 Months |
.70% |
.70% |
|
|
$500.00 |
12 Months |
.85% |
.85% |
|
|
$5,000.00 |
3
Months |
.60% |
.60% |
|
|
$5,000.00 |
6 Months |
.80% |
.80% |
|
|
$5,000.00 |
9 Months |
1.00% |
1.00% |
|
|
$5,000.00 |
12 Months |
1.20% |
1.19% |
|
|
|
|
|
|
|
Adjustable
Certificate*** |
$1,000.00 |
24 Months |
1.25% |
1.24% |
|
|
$10,000.00 |
24
Months |
1.50% |
1.49% |
|
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
July 2010
|
Loan
Type |
Rate
* |
Term |
|
New Auto
(2008 to 2011 Models)
|
3.60%
3.80%
3.99%
5.99%** |
36 Months
48 Months
60 Months
72 Months **2009-2011 Models Only |
|
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) |
--------- |
|
|
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 unless there is an
add-on of at least $5,000.00
* Annual Percentage Rate (APR)
Calculate a payment.
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online now!
|
