RATES & TERMS - Effective March 9, 2010
*** Rates are subject to change without notice ***
** Please contact the Credit Union for any specials **
 
DIVIDEND RATES
Share Account "A"
Rate
Annual Percentage Yield
$300.00 - $10,000.00
0.25%
0.25%
$10,000.01 - $49,999.99
0.40%
0.40%
$50,000.00 ON UP
0.50%
0.50%
Elite Draft "0" - 0
Rate
Annual Percentage Yield
$300.00 - $1,000.00
0.25%
0.25%
$1,000.01 - $5,000.00
0.25%
0.25%
$5,000.01 ON UP
0.25%
0.25%
($5.00 Monthly Service Charge for balance below $150.00)
 
Value Draft "2" - 2
 
IRA's "1" - 1
Rate
Annual Percentage Yield
$500 ON UP
1.25%
1.26%
College Fund "U" - U
Rate
Annual Percentage Yield
21 and Under
1.00%
1.00%
 
Youth Account "C" - C
Rate
Annual Percentage Yield
17 and Under
0.25%
0.25%
Kirby Kangaroo Account
Rate
Annual Percentage Yield
12 and Under
0.25%
0.25%
 
Christmas Club Account "D" - H (Rates available from CU Representative)
 
TERM SHARE ACCOUNTS Effective May 25, 2010
*** Rates are subject to change without notice ***
6 Months
"O"
 Minimum $500.00 0.50% 0.50% Annual Percentage Yield
 
$10,000.00 0.80% 0.80% Annual Percentage Yield
 
$25,000.00 0.90% 0.90% Annual Percentage Yield
12 Months
"N"
 Minimum $500.00 0.80% 0.80% Annual Percentage Yield
 
$10,000.00 1.05% 1.05% Annual Percentage Yield
 
$25,000.00 1.10% 1.10% Annual Percentage Yield
24 Months
"Q"
 Minimum $500.00 0.90% 0.90% Annual Percentage Yield
 
$10,000.00 1.20% 1.21% Annual Percentage Yield
 
$25,000.00 1.25% 1.26% Annual Percentage Yield
 
LOANS
Share Secured - Up to 60 Months - 6.90%
Term Secured - Up to 60 Months - 6.90%
Signature Unsecured - Up to 36 Months - 12.50% (Maximum $5,000)
Overdraft Protection - 18.00%
SIGNATURE LOAN SPECIAL – Up to 36 mo. – 7.50% ($5,000 new money)
 
VEHICLE LOANS
SALVAGE TITLES - Interest Rate 1% higher than rate listed below.
NEW VEHICLES MUST HAVE MSO TITLE-LN AMT BASED ON PURCHASE PRICE
 
New Vehicles (2010) with 100% of Purchase Price ($18,000 and above)
-
12 - 72 Months
4.99%
New Vehicles (2010) with 110% of Purchase Price ($18,000 and above)
-
12 - 72 Months
5.99%
(Will Match Dealer's Rate/No Lower Than 4.9% Up To 72 Months - Must Have Rate in Writing)
-
 
2009 - 2006 Used Vehicles with 100% of Average Retail ($18,000 and above)
-
12 - 72 Months
5.99 %
 
2009 - 2006 Used Vehicles with 110% of Average Retail
-
12 - 60 Months
6.99%
 
2005 - 2003 Used Vehicles with 100% of Trade In
-
12 - 48 Months
7.25%
2005 - 2003 Used Vehicles with 100% of Average Retail
-
12 - 48 Months
8.25%
 
2002 - 1991 Used Vehicles - 100% of Trade In
-
12 - 48 Months
9.00%
 
Your savings are Federally insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.