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SAVINGS RATES

 
PROSPECTIVE DIVIDEND RATES
Account Type Min. Deposit to Open Min. Balance to Obtain APY* APY Dividend Rate
Share Savings (S1) $25.00 $100.00 .25% .25%
Christmas Share Savings (S25) $5.00 $100.00 .25% .25%
IRA Share Savings (S50,51,52,53,54) $5.00 $100.00 .35% .35%
Other Secondary Savings (S2,S5) $5.00 $100.00 .25% .25%
Kirby Share Savings (S7) $5.00 $5.00 .50% .50%
Status One Savings (S6) $5.00 $5.00 .50% .50%
Status One Savings (S16) $25.00 $25.00 .50% .50%
Individual Development Acct $25.00 $100.00 .25% .25%
Share draft/checking (S9) $100.00 $1,000.00 .05% .05%
Business Checking (S18) $500.00 $2,500.00 .05% .05%
Money Market (S4) $0.00 $1,000.00 - $49,999 .50% .50%
Money Market (S4) $0.00 $50,000 - $99,999 .75% .75%
Money Market (S4) $0.00 $100,000 - $249,999.00 1.00% 1.00%
         
*Dividends on Share Savings are paid on the Average Daily Balance quarterly.
•• Rates subject to Change.  APY = Annual Percentage Yield

Fees may reduce earnings on Share Savings Accounts.

For Share Savings, Christmas, IRA, Kirby and Status One Share Savings Accounts, rates may vary after the account is opened.

For Share Savings, Christmas, IRA, Kirby and Status One Share Savings Accounts, APY is accurate as of the last dividend declaration date.

Rates as of September 2, 2010
TERM SHARE CERTIFICATES
Term Minimum Deposit to Open APY* Interest Rate *
3 Months $1000.00 .50% .50%
6 Months $1000.00 .75% .75%
1 Year $1000.00 1.05% 1.04%
2 Years $1000.00 1.55% 1.54%
3 Years $1000.00 2.00% 1.98%
4 Years $1000.00 2.20% 2.18%
5 Years $1000.00 2.40% 2.37%
1 Yr - 5 Yrs (Kirby & Status One accounts) $100.00 1.30% 1.29%
Deduct 10 basis points for a monthly payment. No deduction for quarterly payment. In both situations APR=APY.
Can add-on to any new Term Share Certificate opened after Jan 1, 2009 up to $5000 maximum/$100 minumum per month.

Rates as of September 2, 2010
TERM SHARE CERTIFICATE SPECIALS
Term Minimum Deposit to Open APY* Interest Rate*
9 Month $1000.00 1.00% 1.00%
9 Month $100,000.00 1.05% 1.05%
18 Month $1000.00 1.50% 1.49%
18 Month $100,000.00 1.60% 1.59%
27 Month $1000.00 N/A N/A
27 Month $100,000.00 N/A N/A
42 Month $1000.00 2.10% 2.08%
42 Month $100,000.00 2.20% 2.18%
25 Month 1 Time Bump $1000.00 1.80% 1.78%
25 Month 1 Time Bump $100,000.00 1.80% 1.78%

* Please contact a Member Service Representative for further information about applicable fees and terms. Penalty may be imposed for early withdrawal of Certificates. Withdrawal of earnings could reduce APY. 

THESE ARE PROSPECTIVE DIVIDEND RATES.

Dividends on Certificates are compounded and paid quarterly.

Deduct 10 basis points for a monthly payment. There is no deduction for a quarterly payment. APR equals APY in both situations.

Can add-on to any new Term Share Certificate opened after Jan 1, 2009 up to $5000 maximum/$100 miniumum per month.

 
Please feel free to call or e-mail one of the credit union personnel for more information.
RATES
Savings Rates
Loan Rates
Rates
9 Month
Term Share Certificate
$1000 min 1.00% APY
18 Month Term Share Certificate
$1000 min 1.50% APY
25 Month 1 Time Bump Term Share Certificate
$1000 min

1.80%
APY

42 Month Term Share Certificate
$1000 min 2.10% APY
 
Click HERE for additional Deposit Rates!
 
New Auto
3.25% APR
Used Auto
3.25% APR
Home Equity Loan
3.25% APR
 
Click HERE for all Loan Rates!