Rates
Rates Effective as of 11/03/09
Savings Accounts
|
Account
Type
|
Dividend
Rate
|
Annual
Percentage
Yield (APY)
|
Dividend
Period
|
Dividends
Paid
|
Minimum
Balance
|
| Share Savings |
.25%
|
.26%
|
Calendar
Month
|
Monthly
|
$10.00
|
Kirby Kangaroo
Club |
.25%
|
.26%
|
Calendar
Month
|
Monthly
|
$10.00
|
Holiday Club
Account |
.25%
|
.26%
|
12
Months
|
Yearly on
October 31 |
$0
|
| UTMA |
.25%
|
.26%
|
Calendar
Month
|
Monthly
|
$10.00
|
*Minimum balance to earn annual percentage yield is $23.53
**Rates may change after the account is opened.
IRA
|
Account
Type
|
Dividend
Rate
|
Annual
Percentage
Yield (APY)
|
Dividend
Period
|
Dividends
Paid
|
Minimum
Balance
|
| IRA Savings |
.50%
|
.51%
|
Calendar
Month
|
Monthly
|
$10.00
|
Roth IRA
Savings |
.50%
|
.51%
|
Calendar
Month
|
Monthly
|
$10.00
|
Money Market - Effective as of 11/03/09
|
Account
Type
|
Dividend
Rate
|
Annual
Percentage
Yield (APY)
|
Dividend
Period
|
Dividends
Paid
|
Minimum
Balance
|
| $0 - $1,999 |
.00%
|
.00%
|
Calendar
Month
|
Monthly
|
$0
|
| $2,000 - $10,000 |
.30%
|
.31%
|
Calendar
Month
|
Monthly
|
$0
|
| $10,001 - $20,000 |
.35%
|
.36%
|
Calendar
Month
|
Monthly
|
$0
|
| $20,000 & Above |
.40%
|
.41%
|
Calendar
Month
|
Monthly
|
$0
|
Term Share Certificate Accounts * - Effective as of 1/20/10
|
Account
Type
|
Term
|
Dividend
Rate
|
Annual
Percentage
Yield (APY)
|
Dividends
Paid
|
$500
Minimum |
6 Month
|
.75%
|
.76%
|
Monthly
|
$500
Minimum |
1 Year
|
1.00%
|
1.01%
|
Monthly
|
$500
Minimum |
2 Year
|
1.25%
|
1.26%
|
Monthly
|
$500
Minimum |
3 Year
|
1.50%
|
1.51%
|
Monthly
|
*Rates are subject to change after the account is opened. APY is accurate as of 1/20/10. $500.00 minimum to open account. Opening an account with at least the minimum will earn the above stated rates. A penalty for early withdrawal may be imposed.
Checking Accounts
|
Account
Type
|
Dividend
Rate
|
Annual
Percentage
Yield (APY)
|
Dividend
Period
|
Dividends
Paid
|
Minimum
Balance
|
Basic
Checking |
.00%
|
.00%
|
n/a
|
n/a
|
$0
|
Preferred
Checking |
.10%
|
.11%
|
Calendar
Month
|
Monthly
|
$500
|
Optimal
Checking |
.10%
|
.11%
|
Calendar
Month
|
Monthly
|
$1000
|
Optimal Plus
Checking |
.10%
|
.11%
|
Calendar
Month
|
Calendar
Month
|
$0
|
Business
Checking |
.00%
|
.00%
|
n/a
|
n/a
|
$0
|
*Fees could reduce the earnings on the account (only applies if maintenance or activity fees are associated with the account).
**Rates may change after the account is opened.
Home Equity/Home Improvement Loan Rates
Loans **
|
Type
|
|
Effective Date |
| Secured as low as |
4.75% APR
|
5/03/10
|
| Signature Loans as low as |
12% APR
|
11/02/09
|
| Credit Cards as low as |
9.9% APR
|
6/02/08
|
| |
|
|
Home Equity
Line of Credit as low as |
3.25% APR
|
12/17/08
|
Home Equity/Home
Improvement as low as |
6.00% APR
|
10/30/08
|
Some Important Terms For Home Equity Line Of Credit Plan:
FEES AND CHARGES: You may be required to pay certain fees to third parties to open the plan. These fees generally total between $0.00 and $1,000.00. If you ask, we will provide you with an itemization of the fees you will have to pay to third parties.
TRANSACATION REQUIREMENTS: The minimum credit advance that you can receive is $5,000.00 for the first advance and $500.00 for each subsequent advance. If you request an advance for less than the minimum credit advance amount, we may charge you a fee of $20.00.
RATE CHANGES: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one year period. The maximum ANNUAL PRECENTAGE RATE that can apply is 18.0% or the maximum permitted by law, whichever is less.
** All rates are based on credit history and length of term
