 |
Rates
quoted are effective as of July 18,
2008
|
Rates
quoted are the best
available. Loan rates and terms are determined by overall credit
history and are subject to change. Applications
are subject to credit approval. Loan rates quoted include a
discount for automatic loan payment.
We
do business in accordance with the Federal Fair Housing Law
and Equal Credit Opportunity Act.
|
|
| Loan
Type |
12
Month |
24
Month |
36 Month |
48 Month |
60
Month |
72 Month |
84 Month |
| New
(2005-2008) |
4.94%
|
4.94% |
5.04% |
5.14% |
5.24% |
5.34% |
5.44%
|
| Used
(2001-2004) |
5.54% |
5.54% |
5.64% |
5.74% |
5.84% |
N/A
|
N/A |
Payments
for a 5 year new vehicle loan would be $18.98/$1,000.
Payments for a 5 year used vehicle loan would be $19.26/$1,000.
RECREATION VEHICLES & EQUIPMENT
(& OLDER VEHICLES UP TO 60 MONTHS)
|
Loan Type |
12
Month |
24
Month |
36 Month
|
48
Month
|
60
Month |
New & Used |
6.30%
|
6.30%
|
6.40%
|
6.50%
|
6.60%
|
Loan Type |
72
Month |
84
Month |
96 Month
|
108
Month
|
120
Month |
New & Used |
6.70%
|
6.80%
|
6.90%
|
7.00%
|
7.10%
|
| BOATS & MOTOR HOMES |
Loan Type |
12 Month |
24 Month |
36 Month |
48 Month |
60 Month |
New
(2005-2008) |
6.04% |
6.04% |
6.14% |
6.24% |
6.34% |
Used
(2004 & Older) |
6.55% |
6.55% |
6.65% |
6.75% |
6.85% |
Loan Type |
72 Month |
84 Month |
96 Month |
108 Month |
120 Month |
| New
(2005-2008) |
6.44% |
6.54% |
6.64% |
6.74% |
6.84% |
| Used
(2004 & Older) |
6.95% |
7.05% |
N/A |
N/A |
N/A |
|
| 1-5
Years |
6-10 Years |
11-15 Years |
| 5.49%
|
5.99%
|
6.49% |
Payments for a 10 year loan would be $11.10/$1,000.
VARIABLE RATE HOME EQUITY LINE OF CREDIT |
| INITIAL RATE FOR FIRST SIX MONTHS |
VARIABLE RATE |
1.99%* |
Prime
Rate |
*After
6 months, the APR (Annual Percentage Rate) may vary monthly
based
on the Prime Rate published in the Wall Street Journal plus
a margin. Prime
rate as of 5/1/2008 is 5.00%. Minimum Line of Credit
loan is $7,500. Rates can increase or decrease,
but not to exceed 15.99% APR.
If a Line of Credit is closed within 3 years of the opening
date, reimbursement for certain fees paid to third parties
to open
the
line is required. These fees can be as low as $386 for
a $25,000 loan or $761 for a $100,000 loan.
|
| 12 Month |
24
Month |
36
Month |
48
Month |
60
Month |
9.65% |
9.75%
|
9.85%
|
9.95%
|
10.05%
|
Payments
for a 5 year loan would be $21.27/$1,000.
|
|
15 years |
30 years |
6.125% |
6.625% |
Mortgage
APRs are subject to change daily.
Please contact a Representative
for current rates.
Loan
rates reflect a 0.25% discount for having loan payments made by automatic
transfer
and direct deposit or an active checking account. If you should discontinue any
one of these
services before your loan matures, your interest rate may be increased by 0.25%.
| SHARE
ACCOUNT RATE SCHEDULE |
| Type
of Account |
Minimum
Balance to
Earn Dividends |
Dividend
Rate |
Annual
Percentage Yield |
| Regular
Share, IRA Share/SEP, Kirby Kangaroo, CU Succeed
Share |
$0.01
to $999.99 |
0.25% |
0.25% |
$1,000.00
to $4,999.99 |
0.50%
|
0.50% |
$5,000.00
and Over |
1.00% |
1.01% |
| Holiday,
Vacation Club, Summer Saver |
$50.00
|
0.50% |
|
| Money
Market, Money Market (IRA) |
Under
$5,000.00 |
0.000% |
0.000% |
$5,000.00-$9,999.99 |
1.500% |
1.510% |
$10,000-$24,999.99 |
1.750% |
1.760% |
$25,000.00-$49,999.99 |
2.000% |
2.018% |
$50,000.00
and Over |
2.500% |
2.529% |
| Premier
Checking & Premier Plus Checking |
$0.01
to $ 999.99 |
0.25%
|
0.25% |
$1,000.00
to $4,999.99 |
0.25%
|
0.25% |
$5,000.00
and Over |
0.50%
|
0.50% |
| Rates
and yields are effective as of the last dividend declaration
date of
June 30, 2008. |
| TERM
SHARE CERTIFICATES |
| Period
|
Minimum
Balance to Earn Dividends |
Dividend
Rate |
Annual
Percentage Yield |
| 3
Months |
$1,000.00
|
2.227% |
2.250% |
| 6
Months |
$1,000.00
|
2.472% |
2.500% |
| 12
Months |
$1,000.00
|
2.716% |
2.750% |
| 24
Months |
$1,000.00
|
2.960% |
3.000% |
| 36
Months |
$1,000.00
|
3.203% |
3.250% |
| 48
Months |
$1,000.00
|
3.445% |
3.500% |
| IRA
Share Certificate |
$1,000.00
|
Same
Rates as the 12, 24, 36, & 48 Month Term Certificates
listed above |
| Kirby Kangaroo Share
Certificate |
$500.00
|
Same
Rates as the 6, 12, & 24 Month Term Certificates listed
above |
| CU Succeed Share
Certificate |
$500.00
|
Same
Rates as the 6, 12, & 24 Month Term Certificates listed
above |
|
Term
Share Rates and Annual Percentage Yields are effective
as of
July 18, 2008 and
are subject to change.
Early withdrawal penalties may apply.
For
current rate information, please call 735-8571
Your
savings federally insured to at least $100,000 by the National
Credit Union Administration, a U.S. Government Agency.
|
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