Rates (Effective as of: December 17, 2017)

Vehicle Loans

Rates are subject to change without notice. Rate is determined by creditworthiness.

New Vehicles

Terms up to 84 months

100% Financing Base rate: 2.50% APR
90% Financing Base rate: 2.25% APR
80% Financing Base rate: 2.00% APR

Premier Used Vehicles

Terms up to 84 months

PREVIOUS TWO MODEL YEARS Base rate: 2.50% APR

Standard Used Vehicles

Terms up to 84 months

2017 and 2016 Base rate: 2.75% APR
2015 Base rate: 3.25% APR
2014, 2013, and 2012 Base rate: 3.75% APR
2011 and 2010 Base rate: 4.25% APR
2009 and Older Base rate: 5.25% APR

Motorcycle & Power Sports

New

Up to 48 Months Base Rate: 4.50% APR
Up to 60 Months Base Rate: 4.75% APR
Up to 72 Months Base Rate: 5.00% APR
Amount: 90% of purchased price plus tax and license

Used

Up to 48 Months Base Rate: 5.50% APR
Up to 60 Months Base Rate: 6.00% APR
Up to 72 Months Base Rate: 6.50% APR
Amounts: 100% of retail value plus tax and license

Boats

Terms up to 180 months

NEW Base rate: 4.75% APR
Amount: 85% of purchased price plus tax and license
USED Base rate: 5.75% APR
Amount: 75% of purchased price plus tax and license

Recreational Vehicles

Terms up to 180 months

NEW Base rate: 4.50% APR
Amount: 80% of purchased price plus tax and license
USED Base rate: 5.00% APR
Amount: 100% of low Kelly Blue Book value

Personal Loans

Rates are subject to change without notice. Rate is determined by creditworthiness.

Signature Loans

Terms up to 60 months

Base rate: 10.75% APR

Loan 360

Terms: 6 months

Rate: 12.00% APR

Visa (Credit Cards)

Affinity Rate: 7.90% to 17.90 APR
Platinum Rate: 10.90% APR
Classic Rate: 12.90% APR
Secured Visa Rate: 12.90% APR

Line of Credit (LOC)

Rate: 14.00% APR

Share Secured

Terms up to 60 months

Rate: 2% APR Above Current Dividend Rate
Amounts: Up to 100% of Shares Available

Eligible Share Certificates

Terms: One payment loans with maturity dates that specifically coincide with the redemption date of the certificate.

Rate: 1.75% APR Above the Dividend Rate Specified on the Certificate
Amounts: Up to 90% of Face Value of Certificate

Mortgage Loans

Rates are subject to change without notice. Rate is determined by creditworthiness.

Trust Deeds: Owner Occupied

Terms: 60 - 180 Months

Rate (First Trust): 3.50% APR (Rate subject to change weekly)
Rate (Second Trust): 4.50% APR (Rate subject to change weekly)
Amounts: 80% of approved appraisal/evaluation minus your first

Trust Deeds: Non-Owner Occupied

Up to 60 Months Rate: 5.75% APR
61 - 84 Months Rate: 6.25% APR
85 - 144 Months Rate: 6.75% APR
Amounts: 70% of approved appraisal, less encumbrance and clear of all liens. ($5,000 - $200,000)

A written appraisal/evaluation is mandatory and must be made by a credit union designated appraiser. Fire insurance policy, policy of title insurance necessary.

Dividends

Regular Shares

Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Variable $5 $50 0.10% 0.10%

Checking Accounts

Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Tier I - Variable $1 $1 1.50% 1.52%
Tier II - Variable $20,000 1.00% 1.01%
Tier III - Variable $50,000 0.75% 0.75%
 
Trusts - Variable $0 $50 0.10% 0.10%
Kirby Kangaroo Club (Kids Savings) - Variable $1 $1 0.10% 0.10%
CU Succeed (Teen Savings) - Variable $1 $1 0.10% 0.10%
 
Holiday Club - Variable $1 $1 0.25% 0.25%

Money Market

Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Tier I - Variable $1,000 $1,000 0.25% 0.25%
Tier II - Variable $20,000 $20,000 0.30% 0.30%
Tier III - Variable $50,000 $50,000 0.35% 0.35%
 
IRA Shares - Variable $50 $50 0.30% 0.30%

Share Certificates

Terms Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
6 to 11 Months $1,000 $1,000 0.60% 0.60%
1 Year 0.85% 0.85%
1.5 Years 1.05% 1.06%
2 Years 1.30% 1.31%
2.5 Years 1.45% 1.46%
3 Years 1.60% 1.61%
4 Years 1.80% 1.82%
5 Years 1.95% 1.97%

EZ Start Certificates

Terms Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Same Terms as Share Certificates $100 $100 .10% added to Share Certificate Rate

Mini Jumbo Share Certificates

Terms Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Same Terms as Share Certificates $50,000 $50,000 .10% added to Share Certificate Rate

IRA Share Certificates

Terms Minimum Opening Deposit Minimum Daily Balance to Earn APY Dividend Rate Annual Percentage Yield (APY)
Same Terms as Share Certificates $500 $500 .10% added to Share Certificate Rate

Fee Schedule

General Account Fees

New Account Membership Fee $25.00
Returned Item (NSF) $30.00
Third-Party Return Item Fee $10.00
Stop Payment $30.00
To re-open an account before 90 days elapse $10.00
Inactive Account Fee - Per Quarter
(for no activity for at least 2 years)
$25.00
Return Mail Fee (per piece returned) $5.00
Escheat Notice Mailing Fee $2.00
Federal Express $50.00 (plus $15 for Saturday Delivery)
Cash Credit Union Check for Non-Member $5.00
Outgoing Wire Transfer $25.00
Outgoing International Wire Transfer $50.00
Incoming Wire Transfer Free
Money Order $3.00
Cashier's Check
(one free per day if member has over $25,000 on deposit)
$5.00
Corporate Checks
(one per day payable to member)
(one free per day if member has over $25K on deposit)
$5.00
Each additional corporate check $5.00
Federal and Judicial Garnishments, Levied, Executions or Attachements (per response) $25.00
State Levies (per response) $25.00
Copy of Deposit Item $5.00
Copy of Corporate Check, Cashiers Check or Money Order $1.00
Account history or statement reproduction
(each additional page)
$1.00
Loan re-evaluation processing fee-per request
(per member request on qualified loans)
$25.00
Extension Agreements (holiday skip) $25.00
Foreign Item Collection
(per item)
$30.00
Coin Machine (Members) 5% of Deposit
Coin Machine (Non-Members) 10% of Deposit

Money Market Account Fees

Excess Share withdrawal fee
(over three per month)
$10.00

Share Draft (Checking) Account Fees

Monthly Service Charge for share draft accounts None
MyCardCreate (custom Debit Cards) $10.00
Drafts returned unpaid (insufficient, etc) $30.00
Stop Payment $30.00
Overdraft Privilege Fee $30.00
Copy of Draft $1.00
Check printing charges
(fee waived if member has over 25K on deposit)
At Cost
Account history or statement reproduction per page $1.00
Assistance in balancing of account by credit union personnel (per hour or any portion thereof) $25.00

ATM Fees

Overdraft Fee $30.00
Re-issue Pin $5.00
Deposit Adjustment $10.00

Debit Plastic Card Replacement Fees

First Card Free
Subsequent Cards $5.00

Miscellaneous Mortgage Fees

Verification of Deposit/Mortgage $10.00
Loan Document Copy (per copy) $5.00
Mortgage Payoff Demand $30.00