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Membership Share of $25.00 required for any of the below products and services.
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| Savings & Checking Rates |
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| Rates effective January 2, 2009 Rates subject to change daily without notice. |
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| ACCOUNT TYPE |
ANNUAL
PERCENTAGE YIELD
|
MINIMUM TO
EARN DIVIDENDS
|
MIN. DEPOSIT |
| Membership Share |
1.00% |
$100.00 |
$25.00 |
| Kirby Club |
1.00% |
$5.00 |
$5.00 |
| Boom! Club |
1.00% |
$25.00 |
$25.00 |
| Reserve Share |
1.00% |
$100.00 |
$5.00 |
| Christmas Club |
1.05% |
$5.00 |
$5.00 |
| Vacation Club |
1.00% |
$5.00 |
$5.00 |
| Member Checking/Platinum Choice Checking |
0.40%
|
Mbr. Ckg. $500
Plat. Ch. Ckg $0
|
$0.00
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Money Market-$2,000-$19,999.99
Money Market-$20,000. +
|
1.46%
1.71%
|
$2,000.00
|
$2,000.00
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Platinum Plus Money Market
$30,000.-$49,999.99
$50,000.-$74,999.99
$75,000.- $99,999.99
$100,000.00 + |
1.91%
2.07%
2.37%
2.58%
|
$30,000.-$49,999.99
$50,000.-$74,999.99
$75,000.- $99,999.99
$100,000.00 +
|
$30,000.00
|
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TOP
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| Share Certificate Rates |
Rates effective December 23, 2008
A penalty will or may be imposed for early withdrawals. |
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| ACCOUNT TYPE |
ANNUAL PERCENTAGE YIELD |
MINIMUM DEPOSIT |
| 6 Month |
2.07% |
$1,000.00 |
| 7 Month Special |
2.52%
|
$1,000.00
|
| 12 Month |
2.17% |
$1,000.00 |
| 17 Month Special |
3.08% |
$1,000.00 |
| 18 Month |
2.37% |
$1,000.00 |
| 24 Month |
2.78% |
$1,000.00 |
| *30 Month "Bump Up" Special |
3.55% |
$1,000.00 |
| *1 rate increase per term |
+Bonus rate increases |
on all terms |
TOP |
| IRA Rates |
Rates effective November 19, 2008
A penalty will or may be imposed for early withdrawals. |
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| ACCOUNT TYPE |
ANNUAL PERCENTAGE YIELD |
MINIMUM DEPOSIT |
| 1 Year |
2.07% |
$1,000.00 |
| 2 Year |
2.88% |
$1,000.00 |
| *36 Month "Bump Up" |
3.08% |
$1,000.00 |
| Includes Regular Specials |
+Bonus rate increases on all items |
|
TOP |
| Secured Loans |
APR = Annual Percentage Rate
Rates effective May 2, 2008 |
|
| TERM |
CREDIT TIER |
TIER A
Beacon Score 700+ |
TIER B
Beacon Score 650+ |
TIER C
Beacon Score 600+ |
TIER D
Beacon Score 599- |
| 36 Months |
5.75% APR |
7.75% APR
|
11.75% APR |
15.75% APR |
| 48 Months |
6.00% APR |
8.00% APR |
12.00% APR |
16.00% APR |
| 60 Months |
6.25% APR |
8.25% APR |
12.25% APR |
16.25% APR |
| 72 Months |
6.75% APR |
8.75% APR |
12.75% APR |
N/A |
| |
TOP |
| Personal Loans |
APR = Annual Percentage Rate
Rates effective May 2, 2008 |
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| TYPE |
CREDIT TIER |
| TIER A |
TIER B |
TIER C |
TIER D |
| Personal Loan |
10.00% APR |
12.00% APR |
14.00% APR |
17.00% APR |
| |
TOP |
| Share Secured / CD Secured Loans |
APR = Annual Percentage Rate
Rates effective July 1, 2005
Credit grading does not apply |
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| TYPE |
RATE |
| Share Secured Loan |
4.75% APR |
| CD Secured Loan |
CD rate + 1.75% APR |
TOP |
VISA Platinum Credit Card
| APR = Annual Percentage Rate |
|
| CARD TYPE |
RATE |
| Tier A |
9.88% APR |
| Tier B |
11.88% APR |
| Tier C |
13.88% APR
|
| Tier D |
15.88% APR
|
| |
|
TOP |
| Home Equity Line of Credit - Variable Rate |
APR = Annual Percentage Rate / PR = Prime Rate
As of 5/1/2008
Prime = 5.00%; Floor = 5.00%
Ceiling=initial rate plus 6.00% not to exteed 18.00% |
|
| CREDIT TIER |
| TIER A |
TIER B |
TIER C |
TIER D |
|
INDEX
|
RATE
|
INDEX
|
RATE
|
INDEX
|
RATE
|
INDEX
|
RATE
|
| PR-1 |
5.00% APR
|
PR+2 |
6.50% APR |
PR+4 |
8.50% APR
|
PR+8 |
12.50% APR |
| Financing available to 90% LTV |
| |
TOP
| Fixed Rate Home Equity Loan |
APR = Annual Percentage Rate
Rates effective May 2, 2008 |
|
| TERM |
CREDIT TIER |
| TIER A |
TIER B |
TIER C |
TIER D |
| 60 Months |
5.75% APR |
7.75% APR |
9.75% APR |
14.75% APR |
| 84 Months |
6.00% APR |
8.00% APR |
10.00% APR |
15.00% APR |
| 120 Months |
6.25% APR |
8.25% APR |
10.25% APR |
15.25% APR |
| Financing available to 90% LTV |
| |
TOP
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| Home Equity Closed End |
APR = Annual Percentage Rate
Rates effective March 29, 2006 |
|
| TYPE |
RATE |
| 5 Year Balloon |
As Low As 7.00% APR |
| |
|
TOP |
| No Equity Home Improvement Loan |
APR = Annual Percentage Rate
Rates effective May 2, 20068 |
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| TYPE |
TERM |
CREDIT TIER |
| TIER A |
TIER B |
| Fixed Rate |
60 Months |
8.00% APR |
10.00% APR |
| |
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TOP |
| Mobile Home Loans |
For purchase of a mobile home only; no refinances |
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| TERM |
CREDIT TIER |
| TIER A |
TIER B |
TIER C |
TIER D |
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TOP
Payment Example: Consumer Loans
48 monthly payments of $23.72 per $1,000 borrowed |
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