Rates
Current Rates Effective April 1, 2013
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|
| Share Accounts |
APY |
| Share Savings - Kirby and CU Succeed effective |
.20% |
| Christmas Club |
.20% |
| Vacation Club |
.20% |
| IRA Shares |
1.10% |
| Checking Account ($500 and above) |
.01% |
|
| Share Certificates |
APY |
| 3 Month Certificate |
.50% |
| 6 Month Certificate |
.60% |
| 12 Month Certificate |
.75% |
| 18 Month Certificate |
.95% |
| 24 Month Certificate |
1.00% |
| 36 Month Certificate |
1.05% |
| 48 Month Certificate |
1.10% |
| 60 Month Certificate |
1.20% |
Early withdrawal penalty applies to all Share Certificate accounts and the penalty imposed will reduce the APY.
Minimum deposit amount for 3 months is $1,000. Minimum for all other certificate terms is $500. |
|
| Minimum opening deposit is $25 for Share Savings Account and the minimum balance to earn a dividend is $100. Minimum opening deposit and minimum balance to earn a dividend for Kirby and CU Succeed Accounts is $5. |
| Money Markets - $2,000 minimum |
APY |
| $2,000-$9,999.99 |
.20% |
| $10,000-$19,999.99 |
.35% |
| $20,000-$69,999.99 |
.40% |
| $70,000 and above |
.45% |
|
Minimum opening deposit and Minimum to earn dividend is $2,000.
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|
| APY = Annual Percentage Yield. All rates subject to change at any time without notice. Fee associated with share account could reduce the APY. |
| Loan |
Max Financed |
Term |
Rate (APR) |
| Auto Loan 2013-2011 |
Purchase or NADA Loan Value
|
84 Mo.
72 Mo.
60 Mo.
48 Mo.
36 Mo. |
As low as: 3.25%
As low as: 2.74%
As low as: 2.34%
As low as: 1.84%
As low as: 1.54% |
| Auto Loan 2008-2010 |
Purchase or NADA Loan Value
|
72 Mo.
60 Mo.
48 Mo.
36 Mo.
24 Mo. |
As low as: 3.24%
As low as: 2.84%
As low as: 2.34%
As low as: 2.04%
As low as:1.90% |
2007 and older
|
Purchase or NADA Loan Value |
60 Mo.
48 Mo.
36 Mo.
24 Mo. |
As low as: 3.74%
As low as: 3.34%
As low as: 3.04%
As low as: 2.64% |
| Call the loan department at 274-4100 for details |
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|
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|
| Loan |
Max Financed |
Term |
Rate (APR) |
| Home Equity |
80% LTV |
180 Mo. Variable Rate |
As low as: 4.00% |
| Home Equity |
81% - 90% LTV |
180 Mo. Variable Rate |
As low as: 5.50% |
| Home Equity
Purchase or Refinance
|
80% LTV
81% - 90% LTV
Call our loan officers
|
180 Mo./5 Year Balloon Fixed |
As low as: 5.50% |
| 180 Mo./5 Year Balloon Fixed |
As low as: 6.50% |
|
274-4100 x 235 or x 229
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|
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| Loan |
Max Financed |
Term |
Rate (APR) |
| L30 Recreational |
Purchase or NADA Loan Value |
72 Mo. |
As low as: 7.05% |
| L40 Share Secured |
Certificate Amount / Remaining Term |
3 Mo.-36 Mo. |
2.00% + Share Cert. Rate |
| L52 Overdraft Protection |
|
|
8.50% |
| APR = Annual Percentage Rate. Loans subject to approval and your individual rate is based on credit history. Rates, terms and conditions are subject to change with out notice. Additional account relationships discounts may be available. * 72 Months for $30,000 or higher on new vehicles only. |
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