Loan Rates
| New Auto Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 2.49% |
| 37 to 48 Months | 2.74% |
| 49 to 60 Months | 2.99% |
| 61 to 72 Months | 3.99% |
| Used, Classic and Collectible Auto Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 3.74% |
| 37 to 48 Months | 3.74% |
| 49 to 60 Months | 3.99% |
| 61 to 72 Months | 4.99% |
| New Motorcycle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 5.74% |
| 37 to 48 Months | 5.94% |
| 49 to 60 Months | 6.14% |
| 61 to 72 Months | 6.54% |
| Used Motorcycle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 1 to 36 Months | 6.14% |
| 37 to 48 Months | 6.34% |
| 49 to 60 Months | 7.04% |
| 61 to 72 Months | 7.54% |
| Recreational Vehicle Loan Rates | |
| Effective Date: Sunday, February 5th, 2012 | |
| Includes: Boats, Motor Homes, Trailers and Campers. Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| 2010 & 2011 Models | |
| 1 to 36 Months | 5.74% |
| 37 to 180 Months | 7.04% |
| Finance $35,000 + (excluding boats) | receive a .50% discount* |
| 2009 & Older Models | |
| 1 to 36 Months | 6.74% |
| 37 to 180 Months | 8.04% |
| 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: Sunday, February 5th, 2012 | |
| Down payment may be required depending upon consumer credit score and loan-to-value (LTV) of the vehicle. | |
| Term | Annual Percentage Rate |
| Maximum Term of 48 Months | 6.74% |
| Personal Loan Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| 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: Sunday, February 5th, 2012 | |
| Name | Annual Percentage 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: Sunday, February 5th, 2012 | ||
| 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. The credit union rates have a floor of 4.00% and a maximum of 16.00%. Rates are subject to review and change quarterly. The minimum credit advance that you can receive is $10,000.00 for the first advance. You can obtain credit advances for 10 years during the draw period. The length of the repayment period will be 10 years. You will be required to make monthly payments during the draw and repayment periods. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling. | ||
| Closed End Home Equity Loans | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| 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. Retain a copy of the preliminary disclosures. The credit union will receive a security interest in the dwelling.
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Savings Rates
| Money Market Account Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Balance | Dividend Rate | Annual Percentage Yield |
| $1,500 - $24,999.99 | 0.15% | 0.15% |
| $25,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $74,999.99 | 0.25% | 0.25% |
| $75,000 - $99,999.99 | 0.30% | 0.30% |
| $100,000 & Over | 0.35% | 0.35% |
| Savings Account Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Name | Dividend Rate | Annual Percentage Yield |
| Regular Share Savings | 0.10% | 0.10% |
| Special Shares | 0.10% | 0.10% |
| Kirby Kangaroo Savings Club | 0.10% | 0.10% |
| CU Succeed Teen Club | 0.10% | 0.10% |
| eCount Shares | 0.10% | 0.10% |
| IRA Share Savings | 0.40% | 0.40% |
| Draft Account | 0.10% | 0.10% |
| Health Savings Account Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Balance | Dividend Rate | Annual Percentage Yield |
| $100 - $999.99 | 0.50% | 0.50% |
| $1,000 - $4,999.99 | 0.75% | 0.75% |
| $5,000 - $9,999.99 | 1.00% | 1.00% |
| $10,000 & Over | 1.00% | 1.00% |
| Share Certificate Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| $1,000 minimum deposit | ||
| Term | Dividend Rate | Annual Percentage Yield |
| 6 month | 0.25% | 0.25% |
| 1 year | 0.40% | 0.40% |
| 2 years | 0.60% | 0.60% |
| 3 years | 0.90% | 0.90% |
| 4 years | 1.00% | 1.00% |
| 5 years | 1.15% | 1.15% |
| Traditional & Roth IRA Share Certificate Rates | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| $1,000 minimum deposit | ||
| Term | Dividend Rate | Annual Percentage Yield |
| 1 year | 0.40% | 0.40% |
| 2 years | 0.60% | 0.60% |
| 3 years | 0.90% | 0.90% |
| 4 years | 1.00% | 1.00% |
| 5 years | 1.15% | 1.15% |
| Advantage Interest Checking | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Balance | Dividend Rate | Annual Percentage Yield |
| $0 to $2,499.99 | 0.10% | 0.10% |
| $2,500 to $9,999.99 | 0.20% | 0.20% |
| $10,000 to $24,999.99 | 0.30% | 0.30% |
| $25,000 to $99,999.99 | 0.40% | 0.40% |
| $100,000 + | 0.50% | 0.50% |
| eCount Money Market | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Balance | Dividend Rate | Annual Percentage Yield |
| Minimum deposit of $1,000.00 to open. | ||
| $1,000 to $19,999.99 | 0.15% | 0.15% |
| $20,000 to $44,999.99 | 0.20% | 0.20% |
| $45,000 to $69,999.99 | 0.25% | 0.25% |
| $70,000 to $94,999.99 | 0.30% | 0.30% |
| $95,000+ | 0.35% | 0.35% |
| eCount Certificates of Deposit | ||
| Effective Date: Sunday, February 5th, 2012 | ||
| Term | Dividend Rate | Annual Percentage Yield |
| Minimum $500.00 deposit to open | ||
| 6 Month | 0.25% | 0.25% |
| 1 Year | 0.40% | 0.40% |