Rates
Loan Rates
| New Auto Loan Rates | |
| Effective Date: Saturday, September 4th, 2010 | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 3.74% |
| 37 to 48Months | 3.74% |
| 49 to 60 Months | 3.74% |
| 61 to 72 Months | 4.74% |
| |
| Used, Classic and Collectible Auto Loan Rates | |
| Effective Date: Saturday, September 4th, 2010 | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 4.74% |
| 37 to 48 Months | 4.74% |
| 49 to 60 Months | 4.74% |
| 61 to 72 Months | 5.74% |
| New Motorcycle Loan Rates | |
| Effective Date: Saturday, September 4th, 2010 | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 5.94% |
| 37 to 48 Months | 6.14% |
| 49 to 60 Months | 6.34% |
| 61 to 72 Months | 6.74% |
| Used Motorcycle Loan Rates | |
| Effective Date: Saturday, September 4th, 2010 | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 6.34% |
| 37 to 48 Months | 6.54% |
| 49 to 60 Months | 7.24% |
| 61 to 72 Months | 7.74% |
| Recreational Vehicle Loan Rates | |
| Effective Date: Saturday, September 4th, 2010 | |
| Includes: Boats, Motor Homes, Trailers and Campers. | |
| Term | Annual Percentage Rate |
| New to 2 Years Old | |
| 1 to 36 Months | 6.24% |
| 37 to 180 Months | 7.74% |
| Finance $35,000 + (excluding boats) | receive a .50% discount* |
| 3 Years and Older | |
| 1 to 36 Months | 7.34% |
| 37 to 180 Months | 8.34% |
| Finance $35,000 + (excluding boats) | receive a .50% discount* |
* all discounts are off of your final loan rate | |
| Jet Skis, Four-Wheelers and Snow Mobiles (New Only) | |
| Effective Date: Saturday, September 4th, 2010 | |
| Term | Annual Percentage Rate |
| Maximum Term of 48 Months | 6.74% |
| Personal Loan Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Name | Term | Annual Percentage Rate |
| Share Secured Loans | Maximum of 48 months | 3.00% higher than the rate of dividend paid on the account used as collateral |
| Secured Loans | Maximum of 60 months | 7.75% |
| Signature Loans | Maximum of 48 months | 11.34% |
| 49 to 60 months (Consolidation Only) | 13.74% | |
| Overdraft Line-of-Credit Loans | Revolving | 14.00% |
| Visa | |
| Effective Date: Saturday, September 4th, 2010 | |
| Name | Rate |
Visa Platinum Rate (without Premium Perks member rewards) |
9.99% |
Visa Platinum Perks (with Premium Perks member rewards) |
10.98% |
| Home Equity Line of Credit Loans | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Name | Balance | Annual Percentage Rate |
| 10 year Line of Credit | $10,000 - $49,999.99 | 4.00% |
| 10 year Line of Credit | $50,000 and greater | 4.00% |
Quoted Home Equity Line-of-Credit rates are the lowest available. Your final loan rate is based upon the Prime rate, original credit limit, and loan-to-value and may be higher than the quoted rates. Rates have a floor of 4.00% and a maximum of 16.00%. Rates are subject to review and change quarterly. | ||
| Closed End Home Equity Loans | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Name | Term | Annual Percentage Rate |
| Closed End 10 Year Loan | 10 Year | 7.00% |
| Closed End 15 Year Loan | 15 Year | 7.25% |
| Quoted Closed End Home Equity Loan rates are the lowest available. Your final loan rate is based upon credit worthiness, original loan amount, and loan-to-value and may be higher than the quoted rates. | ||
Savings Rates
| Money Market Account Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Balance | Rate | Annual Percentage Yield |
| $1,500 - $24,999.99 | 0.25% | 0.25% |
| $25,000 - $49,999.99 | 0.35% | 0.35% |
| $50,000 - $74,999.99 | 0.50% | 0.50% |
| $75,000 - $99,999.99 | 0.65% | 0.65% |
| $100,000 & Over | 0.75% | 0.75% |
| Savings Account Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Name | Rate | Yield |
| Regular Share Savings | 0.15% | 0.15% |
| Special Shares | 0.15% | 0.15% |
| Kirby Kangaroo Savings Club | 0.15% | 0.15% |
| CU Succeed Teen Club | 0.15% | 0.15% |
| eCount Shares | 0.15% | 0.15% |
| IRA Share Savings | 0.75% | 0.75% |
| Draft Account | 0.15% | 0.15% |
| Health Savings Account Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Balance | Rate | Yield |
| $100 - $999.99 | 1.49% | 1.50% |
| $1,000 - $4,999.99 | 1.74% | 1.75% |
| $5,000 - $9,999.99 | 2.48% | 2.50% |
| $10,000 & Over | 2.97% | 3.00% |
| Share Certificates of Deposit Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| $1,000 minimum deposit | ||
| Term | Rate | Yield |
| 6 month | 0.50% | 0.50% |
| 1 year | 0.75% | 0.75% |
| 2 years | 1.15% | 1.15% |
| 3 years | 1.49% | 1.50% |
| 4 years | 1.99% | 2.00% |
| 5 years | 2.23% | 2.25% |
| Traditional & Roth IRA Certificates of Deposit Rates | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| $1,000 minimum deposit | ||
| Term | Rate | Yield |
| 1 year | 0.75% | 0.75% |
| 2 years | 1.15% | 1.15% |
| 3 years | 1.49% | 1.50% |
| 4 years | 1.99% | 2.00% |
| 5 years | 2.23% | 2.25% |
| Advantage Interest Checking | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Balance | Annual Percentage Rate | Annual Percentage Yield |
| $0 to $2,499.99 | 0.15% | 0.15% |
| $2,500 to $4,999.99 | 0.25% | 0.25% |
| $5,000 to $9,999.99 | 0.50% | 0.50% |
| $10,000 to $24,999.99 | 0.75% | 0.75% |
| $25,000 to $99,999.99 | 1.00% | 1.00% |
| $100,000 + | 1.14% | 1.15% |
| eCount Money Market | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Balance | Annual Percentage Rate | Annual Percentage Yield |
| Minimum deposit of $1,000.00 to open. | ||
| $1,000 to $19,999.99 | 0.25% | 0.25% |
| $20,000 to $44,999.99 | 0.35% | 0.35% |
| $45,000 to $69,999.99 | 0.50% | 0.50% |
| $70,000 to $94,999.99 | 0.65% | 0.65% |
| $95,000+ | 0.75% | 0.75% |
| eCount Certificates of Deposit | ||
| Effective Date: Saturday, September 4th, 2010 | ||
| Term | Annual Percentage Rate | Annual Percentage Yield |
| Minimum $500.00 deposit to open | ||
| 6 Month | 0.50% | 0.50% |
| 1 Year | 0.75% | 0.75% |
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act