Rates (Effective as of: April 19, 2024)
Vehicle Loans
Rates are subject to change without notice. Rate is determined by creditworthiness.
New Vehicles
Terms up to 96* months
| 100% Financing | Base rate: | 7.00% APR |
| 90% Financing | Base rate: | 6.75% APR |
| 80% Financing | Base rate: | 6.50% APR |
Payment per $1,000 borrowed at 6.50% APR for 60 months= $19.57. Amount financing includes purchased price plus tax and license. * Minimum loan amount for a 96 month term is $41,000. 1% premium added for this term.
Premier Used Vehicles
Terms up to 96* months
| PREVIOUS TWO MODEL YEARS | Base rate: | 6.75% APR |
Payment per $1,000 borrowed at 6.75% APR for 60 months= $19.68 * Minimum loan amount for a 96 month term is $41,000. 1% premium added for this term.
Standard Used Vehicles
Terms up to 96* months
| 2024 and 2023 | Base rate: | 7.25% APR |
| 2022 | Base rate: | 7.50% APR |
| 2021, 2020, and 2019 | Base rate: | 8.00% APR |
| 2018 and 2017 | Base rate: | 8.50% APR |
| 2016 and Older | Base rate: | 9.50% APR |
Payment per $1,000 borrowed at 7.25% APR for 60 months= $19.92 * Minimum loan amount for a 96 month term is $41,000. 1% premium added for this term.
Motorcycle & Power Sports
New
| Up to 48 Months | Base Rate: | 9.00% APR |
| Up to 60 Months | Base Rate: | 9.25% APR |
| Up to 72 Months | Base Rate: | 9.50% APR |
| Amount: | 90% of purchased price plus tax and license |
Used
| Up to 48 Months | Base Rate: | 10.25% APR |
| Up to 60 Months | Base Rate: | 10.75% APR |
| Up to 72 Months | Base Rate: | 11.25% APR |
| Amount: | 100% of retail value plus tax and license |
Payment per $1,000 borrowed at 9.00% APR for 60 months= $20.76 for new
Boats
Terms up to 180 months
| NEW | Base rate: | 10.25% APR |
| Amount: | 85% of purchased price plus tax and license |
| USED | Base rate: | 11.25% APR |
| Amount: | 75% of purchased price plus tax and license |
Payment per $1,000 borrowed at 9.25% APR for 60 months= $20.88 for new
Recreational Vehicles
Terms up to 180 months
| NEW | Base rate: | 10.25% APR |
| Amount: | 80% of purchased price plus tax and license |
| USED | Base rate: | 10.75% APR |
| Amount: | 100% of low Kelly Blue Book value |
Payment per $1,000 borrowed at 10.25% APR for 60 months = $21.37 for new
Personal Loans
Rates are subject to change without notice. Rate is determined by creditworthiness.
Signature Loans
Terms up to 60 months
| Base rate: | 11.00% APR |
Payment per $1,000 borrowed at 11.00% APR for 18 months= $60.52
Loan 360
Terms: 6 months
| Rate: | 15.00% 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 |
Minimum payment $25 or 2.50% of balance or the balance if less than $25.
Mortgage Loans
Rates are subject to change without notice. Rate is determined by creditworthiness.
Home Equity (Owner Occupied)
Terms: 60 - 180 Months
| Rate (First Trust): | 6.25% APR (Rate subject to change weekly) | |
| Rate (Second Trust): | 6.75% APR (Rate subject to change weekly) | |
| Amounts: | 80% of approved appraisal/evaluation minus your first |
Payment per $1,000 borrowed at 6.75% APR for 60 months = $19.68
Home Equity (Non-Owner Occupied)
| Up to 60 Months | Rate: | 7.75% APR |
| 61 - 84 Months | Rate: | 8.25% APR |
| 85 - 144 Months | Rate: | 8.75% APR |
| Amounts: | 70% of approved appraisal, less encumbrance and clear of all liens. ($5,000 - $200,000) |
Payment per $1,000 borrowed at 7.75% APR for 60 months= $20.16
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
Checking Accounts
| Minimum Opening Deposit | Minimum Daily Balance to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | |
|---|---|---|---|---|
| *Tier I - Variable | $1 | $1 | 4.00% | 4.08% |
| *Tier II - Variable | $20,000 | 2.50% | 2.53% | |
| *Tier III - Variable | $50,000 | 2.00% | 2.02% | |
| Trusts - Variable | $0 | $50 | 0.01% | 0.01% |
| Kirby Kangaroo Club (Kids Savings) - Variable | $5 | $5 | 0.01% | 0.01% |
| Claim Your Youth (Teen Savings) - Variable | $5 | $5 | 0.01% | 0.01% |
| Holiday Club - Variable | $1 | $1 | 0.250% | 0.25% |
*Dividend based on Flexible Rewards Program. Member must meet certain conditions including, but not limited to signed up for eStatements, having Direct Deposit, and having at least ten debit card transactions. The program includes an ATM refund for transactions outside our network(s).
Money Market
| Minimum Opening Deposit | Minimum Daily Balance to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | |
|---|---|---|---|---|
| Tier I - Variable | $1,000 | $1,000 | 1.25% | 1.25% |
| Tier II - Variable | $20,000 | $20,000 | 1.75% | 1.77% |
| Tier III - Variable | $50,000 | $50,000 | 2.00% | 2.02% |
| IRA Shares - Variable | $50 | $50 | 0.25% | 0.25% |
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 | 0.10% added to Share Certificate Rate | |
The ANNUAL PERCENTAGE YIELD for a certificate account is based on an assumption that dividends will remain on deposit until maturity. A penalty will or may be imposed for early withdrawal.
Fee Schedule
General Account Fees
New Account Membership Fee |
$25.00 |
Returned Item (NSF) |
$35.00 |
Stop Payment |
$35.00 |
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 |
$30.00 |
Outgoing Wire Transfer (International) |
$50.00 |
Incoming Wire Transfer |
Free |
Incoming Wire Transfer (International) |
$30.00 |
Money Order |
$5.00 |
Cashier's Check (one free per day if member has over $25,000 on deposit) |
$7.00 |
Corporate Checks (one per day payable to member) (one free per day if member has over $25K on deposit) |
$6.00 |
Each additional corporate check |
$5.00 |
Federal and Judicial Garnishments, Levied, Executions or Attachements (per response) |
$50.00 |
State Levies (per response) |
$50.00 |
Copy of Deposit Item |
$5.00 |
Copy of Corporate Check, Cashiers Check or Money Order |
$3.00 |
Account History or Statement Reproduction (each additional page) |
$1.00 |
Loan re-evaluation processing fee-per request (per member request on qualified loans) |
$40.00 |
Loan re-evaluation for recreational vehicle loans |
$50.00 |
Research Fee (per hour) |
$35.00 |
Merchant Collection Item |
$45.00 |
Extension Agreements (holiday skip) |
$25.00 |
Foreign Item Collection (per item) |
$30.00 |
Coin Machine (Members) |
5% of Deposit |
Coin Machine (Non-Members) |
15% of Deposit |
Money Market Account Fees
Excess Share withdrawal fee (over three per month) |
$10.00 |
Bill Payment
ATM Fees
Overdraft Fee |
$35.00 |
Deposit Adjustment |
$20.00 |
Debit Plastic Card Replacement Fees
First Card |
Free |
Subsequent Cards |
$5.00 |
Miscellaneous Mortgage Fees
Verification of Deposit/Mortgage |
$30.00 |
Loan Document Copy (per copy) |
$5.00 |
Mortgage Payoff Demand |
$40.00 |
Subordination Fee |
$100.00 |
Loan Modification |
$50.00 |
Business Account Fee Schedule
General Account Fees
New Account Membership Fee |
$25.00 |
ACH Origination |
$10.00 |
Returned Item (NSF) |
$35.00 |
Empty Envelope Deposit |
$10.00 |
Stop Payment |
$35.00 |
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) |
Outgoing Wire Transfer |
$30.00 |
Outgoing Wire Transfer (International) |
$50.00 |
Incoming Wire Transfer |
Free |
Incoming Wire Transfer (International) |
$30.00 |
Money Order |
$5.00 |
Cashier's Check |
$7.00 |
Corporate Checks |
$6.00 |
Federal and Judicial Garnishments, Levied, Executions or Attachements (per response) |
$50.00 |
State Levies (per response) |
$50.00 |
Copy of Deposit Item |
$5.00 |
Copy of Corporate Check, Cashiers Check or Money Order |
$3.00 |
Account History or Statement Reproduction (each additional page) |
$1.00 |
Foreign Item Collection (per item) |
$30.00 |
Rolled Coin Ordered: per roll |
$0.10 |
Rolled Coin Ordered: per box |
$2.50 |
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 |
ATM Fees
Overdraft Fee |
$35.00 |
Re-issue PIN |
$5.00 |
Deposit Adjustment |
$15.00 |
Debit Plastic Card Replacement Fees
First Card |
Free |
Subsequent Cards |
$5.00 |