 |        |  |
| Loan Rates (Effective January 23, 2013) | ||
| TYPE | ANNUAL PERCENTAGE RATE | |
|
New Car** *
|
Term: 60 months & under | 3.50% |
| Term: 72 months | 4.00% | |
|
Used Car** *
|
2009-2012 | 4.25% |
| 2005-2008 | 4.75% | |
| 2001-2004 | 5.25% | |
| 2001 and older | 5.75% | |
| Credit Card | Visa® | 11.90% |
| Visa® Gold | 9.90% | |
| Visa® Share Secured | 8.90% | |
| Home Equity | Variable rate 3% cap |
4.50-5.00% |
| First Mortgage 1 |
5/1 ARM |
4.29% |
| Share Secured* | Add 2% to savings rate |
|
| Line of Credit | 15.00% | |
| Signature* | 9.50% | |
|
Consumer Goods* Vacation Loan |
10.00% 5.95% |
|
**1.00% discount with 25% equity; * 0.25% discount for automatic payment
1ARM: Adjustable Rate Mortgage. Available for a 20-year amortization, fixed for the first 5 years then may adjust annually, up or down, for the remainder of the loan term (up to maximum changes of 2% per year, or 6% over the life of the loan), which may cause monthly payments to vary. Rate based on loans with 20% down. ARM rate floor of 2.75%. May be additional third party fees. Actual APR (Annual Percentage Rate) may be higher, based on loan amount, credit eligibility and credit union lending policies. These terms and rates are for owner-occupied, primary residence mortgage loans only. Ask your Mortgage Originator for further details. Current mortgage loan must be from another financial institution to refinance. Loan rates are subject to change without notice. Terms and qualifications apply.
Dividend rates are subject to change after account opening.
Fees could reduce the amount of earnings on account.
| Dividend Rates (APY is accurate as of last dividend declaration date) | |||
| TYPE | Dividend Rate | Annual Percentage Yield | |
| Basic Share ($5 to open, $100 balance to earn APY) |
.25% | .25% | |
| Kirby/Status One ($5 to open. $100 balance to earn APY) | .50% | .50% | |
| Share Certificates ($1000 Minimum) | 6 month | .45% | .45% |
| 12month | .75% | .75% | |
| 19 month | 1.00% | 1.00% | |
| 36 month | 1.35% | 1.35% | |
| Kirby Share Certificate ($250 Minimum) |
12 month |
1.00% | 1.00% |
| Money Market ($2500 Minimum) |
up to $15,000 | .50% |
.50% |
| $15,001-$25,000 | .65% | .65% | |
| $25,001 and up | .75% | .75% | |
| IRA | 1.50% |
1.51% |
|
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