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Loans | Savings | Certificates
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The following represents our standard rates effective 1/20/2012.
Also, with qualifying credit, many times we can meet or beat a rate quoted elsewhere!
We also run unadvertised specials from time to time.
Be sure to call!
(Rates subject to change without notice)
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LOANS
|
Rate |
APR* |
Term |
|
| New Auto - 72 Months |
5.25 |
5.25 |
72 |
Calculator |
| New Auto - 60 Months |
4.25 |
4.25 |
60 |
Calculator |
| Used Auto - 09-11 - 60 Months |
5.50 |
5.50 |
60 |
Calculator |
| Used Auto - 09-11 - 48 Months |
5.25 |
5.25
|
48 |
Calculator |
| Used Auto - 06-08 - 60 Months |
7.50 |
7.50 |
60 |
Calculator |
| Used Auto - 06-08 - 48 Months |
7.25 |
7.25 |
48 |
Calculator |
| Used Auto - 03-05 - 48 Months |
8.25 |
8.25 |
48 |
Calculator |
| Used Auto - 01-02 - 36 Months |
9.50 |
9.50 |
36 |
Calculator |
| Used Auto - 2000 & Older - 36 Months |
11.90 |
11.90 |
36 |
Calculator |
| New RV - 11-12 - 60 Months |
5.25 |
5.25 |
60 |
Calculator |
| Used RV - 08-10 - 60 Months |
6.95 |
6.95 |
60 |
Calculator |
| Used RV - 04-07 - 60 Months |
8.25 |
8.25 |
60 |
Calculator |
| Used RV - 2003 or Older - 48 Months |
9.50 |
9.50 |
48 |
Calculator |
| New Motorcycle 11-12 - 60 Months |
8.25 |
8.25 |
60 |
Calculator |
| Used Motorcycle 2010 & older - 48 Months |
9.25 |
9.25 |
48 |
Calculator |
| Share Certificate Secured - Term = Term of Certificate...Rate = CD rate + 2.50% |
|
0.00 |
n/a |
Calculator |
| Personal Line of Credit - $35/$1000 |
13.90 |
13.90 |
n/a |
Calculator |
| Overdraft Line of Credit - $35/$1000 |
13.90 |
13.90 |
n/a |
Calculator |
| Home Equity - 180 Months* |
8.25 |
8.25 |
180 |
Calculator |
| Home Equity - 120 Months* |
7.25 |
7.25 |
120 |
Calculator |
| Home Equity - 60 Months* |
4.95 |
4.95 |
60 |
Calculator |
| Home Equity Line of Credit* |
4.95 |
4.95 |
12 |
Calculator |
| Signature - 36 Months |
13.90 |
13.90 |
36 |
Calculator |
| Signature/Vehicle - 48 Months |
11.90 |
11.90 |
48 |
Calculator |
| Share Secured - 60 Months |
4.00 |
4.00 |
60 |
Calculator |
| Share Secured - 120 Months |
4.50 |
4.50 |
120 |
Calculator |
| Term Note - 12 Months |
14.95 |
14.95 |
12 |
Calculator |
| MasterCard Classic |
11.90 |
11.90 |
n/a |
Calculator |
| MasterCard Gold - $5,000+ monthly household income to qualify |
9.90 |
9.90 |
n/a |
Calculator |
"Term" represents the maximum number of months for this type of loan.
Click on "Calculator" to see what the monthly payment might be for amount you have in mind.
* Certain Home Equity fees and appraisal costs may apply.
Go To Loan Application | Go To Calculators | Back to Top |
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SAVINGS
Basic Share Savings, Kirby & Teen Accounts Tier 1 = up to $4,999.99. Tier 2 = $5,000.00+
Money Market Tier 1 = $5000.00-$24,999.99; Tier 2 = $25,000.00-$49,999.99; Tier 3 = $50,000.00-$89,999; Tier 4 = $90,000+
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Rate
|
APY*
|
Term
|
| Basic Share Savings - Tier 1 |
.20 |
.20 |
n/a |
| Basic Share Savings - Tier 2 |
.45 |
.45 |
n/a |
| Kirby Kangaroo Accounts - Tier 1 |
.50 |
.50 |
n/a |
| Kirby Kangaroo Accounts - Tier 2 |
.60 |
.60 |
n/a |
| Teen Accounts - Tier 1 |
.50 |
.50 |
n/a |
| Teen Accounts - Tier 2 |
.60 |
.60 |
n/a |
| Holiday Accounts |
.40 |
.40 |
n/a |
| IRA Passbook Savings |
1.25 |
1.26 |
n/a |
| IRA 36-Month Certificate |
1.65 |
1.66 |
36 |
| Money Market Accounts - Tier 1 |
.65 |
.65 |
n/a |
| Money Market Accounts - Tier 2 |
.85 |
.85 |
n/a |
| Money Market Accounts -Tier 3 |
.95 |
.95 |
n/a |
|
Money Market Accounts - Tier 4
|
1.10
|
1.11 |
n/a |
*Annual Percentage Yield
Click on "Terms and Conditions" button bar at upper left of page for further details & disclosures.
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CERTIFICATES
|
Rate |
APY* |
Term |
| Share Certificate - 6 Months |
.60 |
.60 |
6 |
| Share Certificate - 12 Months |
.80 |
.80 |
12 |
| Share Certificate - 24 Months |
1.20 |
1.21 |
24 |
| Share Certificate - 36 Months |
1.50 |
1.51
|
36 |
| Share Certiticate - 48 Months |
1.90
|
1.92 |
48 |
| Share certificate - 60 Months |
2.10 |
2.12 |
60 |
| Share Certificate Special - 13 Months (minimum $10,000) |
1.00 |
1.00 |
13 |
| Share Certificate Special - 18 Months (minimum $10,000) |
1.15 |
1.16 |
18 |
| Jumbo Share Certificate - 6 Months (minimum $60,000) |
.85 |
.85 |
6 |
| Jumbo Share Certificate - 12 Months (minimum $60,000) |
1.00 |
1.00 |
12 |
| Jumbo Share Certificate - 24 Months (minimum $60,000) |
1.35 |
136
|
24 |
| Jumbo Share Certificate - 36 Months (minimum $60,000) |
1.75 |
1.76 |
36 |
| Youth Certificate - 6 Months (minimum $1,000) |
.60 |
.60 |
6 |
| Youth Certificate - 12Months (minimum $1,000) |
.80 |
.80 |
12 |
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| Youth Certificate - 24 Months (minimum $1,000) |
1.20 |
1.21 |
24 |
*Annual Percentage Yield
Rates & yields for all types of Savings Accounts, Money Market Accounts, and Share Certificates are current as of
04/10/2010 but are subject to change without notice.
Minimum $2500 deposit for Share Certificate rates.
Minimum $10,000 deposit for Share Certificate Special rates.
Minimum $60,000 deposit for Jumbo Share Certificate rates.
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