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Loan Rates
Deposit Rates
Fee Schedule

 LOAN RATES - as of 01/02/2010

Type of Loan
Term
APR*
New Vehicle
2009-2010  
36 months
4.59%
 
48 months
4.79%
 
60 months
4.99%
Must be more than $15,000
72 months
5.39%
Pre-Owned Vehicle
2009-2010  
36 months
4.79%
 
48 months
4.99%
 
60 months
5.19%
Must be more than $15,000
72 months
5.59%
 
2003-2008  
36 months
4.99%
 
48 months
5.19%
Must be more than $10,000
60 months
5.39%
  Must be more than $15,000 and must be 06-08 model year
72 months
5.79%
2001-2002  
36 months
6.99%
Luxury vehicles Must be more than $10,000
48 months
7.99%
New Motorcycle
 
36 months
5.19%
 
48 months
5.59%
 
60 months
5.89%
Must be more than $15,000
72 months
6.19%
Pre-Owned Motorcycle
 
36 months
5.59%
 
48 months
5.99%
 
60 months
6.59%
Must be more than $15,000
72 months
6.99%
Boat/Trailer/RV
New  
60 months
5.49%
Must be more than $15,000
72 months
5.99%
Pre-Owned  
60 months
6.09%
Must be more than $15,000
72 months
6.59%
 
Signature Loan 36 months
10.99%
Christmas/Vacation 12 months
9.99%
Home Equity
1% above prime
Share-Secured
3% over passbook
CD-Secured
2.5% over CD
Line of Credit
13.90%
Overdraft Protection - $500 max
12.90%

 

*APR -- Annual Percentage Rate
Take an additional .25% off rate for vehicle loans
with payroll deduction.
Rates subject to change and member creditworthiness.
All rates shown are lowest possible rate.

 

DEPOSIT RATES - as of 05/03/10
Type of Deposit
APY*
Passbook saving

0.15%
Kirby club
0.15%
Daily Growth Fund
0.35%
Share IRA
0.50%
Share Roth IRA
0.50%
Share Educational IRA
0.50%
Certificates
6 months cert
0.50%
12 months cert
0.90%
18 months cert
1.00%
24 months cert
1.50%
36 months cert
1.86%
IRA 12 months cert
0.90%
IRA 18 months cert
1.00%
IRA 24 months cert
1.50%
IRA 36 months cert
1.86%

*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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