| |
Loan Rates
Deposit Rates
Fee Schedule
| LOAN
RATES - as of 1/1/12
|
| Loan |
APR*
|
Term
|
Misc. |
| 2010-2012 Vehicle |
2.99%
|
36 Months |
|
| |
2.99% |
48 Months |
|
| |
3.49% |
60 Months |
|
| |
3.99% |
72 Months |
|
| 2007-2009 Vehicle |
3.49% |
36 Months |
|
| |
3.49% |
48 Months |
|
| |
3.99% |
60 Months |
|
| |
4.49% |
72 Months |
|
| 2004-2006 Vehicle |
3.99% |
36 Months |
|
| |
3.99% |
48 Months |
|
| |
4.59% |
60 Months |
|
| 2000-2003 Vehicle |
5.99% |
36 Months |
|
| |
6.99% |
48 Months |
$10,000 Min. (Luxury) |
| New Motorcycle |
5.19% |
36 Months |
|
| |
5.59% |
48 Months |
|
| |
5.89% |
60 Months |
|
| |
6.19% |
72 Months |
$20,000 Min. |
| Used Motorcycle |
5.59% |
36 Months |
|
| |
5.99% |
48 Months |
|
| |
6.59% |
60 Months |
|
| |
6.99% |
72 Months |
$20,000 Min. |
| New Boat/RV/Trailer |
5.49% |
60 Months |
|
| |
5.99% |
72 Months |
$20,000 Min. |
| Used Boat/RV/Trailer |
6.09% |
60 Months |
|
| |
6.59% |
72 Months |
$20,000 Min. |
| CD Secured |
2.75% |
|
|
| Share Secured |
3.10% |
|
|
| Home Equity |
4.25% |
|
|
| Christmas/Vacation |
9.99% |
12 Months |
|
| Signature |
10.99% |
36 Months |
|
| Overdraft Protection |
12.90% |
|
$500 Max. |
| Line of Credit |
13.90% |
|
|
| |
|
|
|
| *APR=Annual Percentage Rate. All rates shown are lowest possible rate. Rates are subject to change without notice and member creditworthiness. Vehicle loans are eligible for a .25% rate discount with payroll deduction. Contact the credit union for complete details on all loan rates. |
|
| DEPOSIT
RATES - as of 12/20/11 |
| Type
of Deposit |
APY*
|
| Passbook
saving |
|
| Kirby
club |
0.10%
|
| Daily Growth Fund |
0.20%
|
| Share IRA |
0.35%
|
| Share Roth IRA |
0.35%
|
| Share Educational IRA |
0.35%
|
| Certificates |
|
| 6
months cert |
0.25%
|
| 12
months cert |
0.45%
|
| 18
months cert |
0.65%
|
| 24
months cert |
0.85%
|
| 36
months cert |
1.00%
|
| IRA
12 months cert |
0.45%
|
| IRA
18 months cert |
0.65%
|
| IRA
24 months cert |
0.85%
|
| IRA
36 months cert |
1.00%
|
*APY
-- Annual Percentage Yield
All rates are subject to change without notice.
For current rate indication please call us at
(314) 837-2500.
|
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