|
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
May 2008
|
Type
of Investment |
Minimum
Deposit |
Term |
APY |
Rate |
|
Regular
Savings |
$5.00 |
Open |
1.26% |
1.25% |
|
Advantage
Account |
$2,000.00 |
Open |
1.51% |
1.50% |
|
|
$10,000.00 |
Open |
2.60% |
2.57% |
|
|
$25,000.00 |
Open |
3.16% |
3.11% |
|
Christmas
Club |
$5.00 |
Open |
1.26% |
1.25% |
|
Kirby
Kangaroo Club |
$5.00 |
Open |
1.26% |
1.25% |
|
IRA Deposit
Account |
$5.00 |
Open |
3.25% |
3.20% |
|
Share
Certificates |
$500.00 |
3 Months |
2.50% |
2.48% |
|
|
$500.00 |
6 Months |
2.70% |
2.62% |
|
|
$500.00 |
9 Months |
2.75% |
2.67% |
|
|
$500.00 |
12 Months |
2.80% |
2.72% |
|
|
$5,000.00 |
3
Months |
2.75% |
2.72% |
|
|
$5,000.00 |
6 Months |
2.95% |
2.92% |
|
|
$5,000.00 |
9 Months |
3.00% |
2.97% |
|
|
$5,000.00 |
12 Months |
3.05% |
3.02% |
|
Option
Certificate** |
$500.00 |
12 Months |
2.75% |
2.67% |
|
|
$5,000.00 |
12 Months |
3.00% |
2.97% |
|
Adjustable
Certificate*** |
$1,000.00 |
24 Months |
2.80% |
2.72% |
|
|
$10,000.00 |
24
Months |
3.05% |
3.02% |
|
Plus Checking |
$300.00 to
earn dividends |
Open |
1.26% |
1.25% |
** 12 month add on Certificate
allows minimum additions of $100 during the term.
The total annual additions cannot exceed $5,200.
*** 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.
Loan Rates
May 2008
|
Loan
Type |
Rate
* |
Term |
|
New Auto
(2007 to 2009 Models)
|
5.00%
5.00%
5.00%
6.00%
|
36 Months
48 Months
60 Months
72 Months
|
|
Used Auto
2006 models
(2005 & 2004 Models)
(2003 & 2002 Models)
(2001 & 2000 Models)
(1999 & 1998 Models) |
5.24%
5.49%
6.00%
6.75%
7.75% |
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 |
8.00%
8.00%
|
New (2004 - 2008 Models)
Used (2001 - 2003 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) |
5.49% |
Up to
30 years, 8 year balloon payment |
|
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 |
4.50%
5.50%
5.50%
6.00%
7.15%
7.15%
7.00%
7.90%
7.90%
|
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 |
* Annual Percentage Rate (APR)
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