Rates

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.
TermAnnual 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.
TermAnnual 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.
TermAnnual 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.
TermAnnual 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.
TermAnnual 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.
TermAnnual Percentage Rate
Maximum Term of 48 Months 6.74%

Personal Loan Rates
Effective Date: Sunday, February 5th, 2012
NameTermAnnual 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
NameAnnual 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
NameBalanceAnnual 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.

FEES AND CHARGES: In order to open, use and maintain a line of credit plan, you may have to pay a $325.00 Loan Processing Fee due at closing. You may have to pay certain fees to third parties to open the Plan. These fees generally total between $0.00 and $600.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. These fees which are normally paid at closing may be waived. However, you will be required to reimburse us for fees paid on your behalf if your balance becomes zero or you close your plan during the first 36 months of the Plan. You may receive a refund of any fees if the rates change and you decide not to complete the process.

Closed End Home Equity Loans
Effective Date: Sunday, February 5th, 2012
NameTermAnnual 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.

 

 

Savings Rates

Money Market Account Rates
Effective Date: Sunday, February 5th, 2012
BalanceDividend RateAnnual 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
NameDividend RateAnnual 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
BalanceDividend RateAnnual 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
TermDividend RateAnnual 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
TermDividend RateAnnual 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
BalanceDividend RateAnnual 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
BalanceDividend RateAnnual 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
TermDividend RateAnnual Percentage Yield
Minimum $500.00 deposit to open
6 Month 0.25% 0.25%
1 Year 0.40% 0.40%

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