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Rates
* Annual Percentage Rate
**Annual Percentage Yield
Share Rates
(Effective April 4, 2008)
Shares APR* APY** Requirements Dividends
Paid
Master Shares 0.75% 0.76% If over $50.00 balance monthly
Other Shares 0.75% 0.76% If over $50.00 balance monthly
Kirby Kangaroo 0.75%   0.76%  If over $50.00 balance monthly 
Holiday Spending 1.00% 1.01% If over $50.00 balance monthly
Health Savings 0.75% 0.76% $5.00-$499.99 monthly
1.00% 1.01% $500.00-$2,499.99 monthly
1.50% 1.51% $2,500.00-$4,99.99 monthly
2.00% 2.02% $5,000.00-$14,999.99 monthly
2.50% 2.53% $15,000.00 and above monthly
Share Draft 0.00% n/a n/a n/a
Snowbird 0.35% 0.36% $500.00 minimum balance monthly
Non-Stop 1.00% 1.01% $2,500.00 - $9,999.99 monthly
1.25% 1.26% $10,000.00- 24,999.99 monthly
1.75% 1.76% $25,000 - $49,999.99 monthly
2.00% 2.02% $50,000.00 - 99,999.99 monthly
2.50%  2.53%  $100,000.00 and over monthly
IRA Shares 1.25% 1.26% $5.00-$2,499.99 monthly
1.50% 1.52% $2,500.00 - $9,999.99 monthly
2.00% 2.02% $10,000.00 - 24,999.99 monthly
2.25% 2.27% $25,000.00-$49,000.99 monthly
2.50% 2.53% $50,000.00-$99,999.99 monthly
2.75% 2.79% $100,000.00 and above monthly
Certificates
(Effective April 4, 2008)

Certificates

APR* APY** Requirements Dividends
Paid
6-Month Certificate 2.50% 2.50% $500 Minimum Balance Maturity
12-Month Certificate 2.70% 2.73% $500 Minimum Balance Quarterly
24-Month Certificate 3.00% 3.03% $500 Minimum Balance Quarterly
36-Month Certificate 3.25% 3.29% $500 Minimum Balance Quarterly
Pick a term
48-60 month Certificate
3.35% 3.39% $500 Minimum Balance Quarterly
6-Month IRA Certificates   2.50% 2.50% $500 Minimum Balance Maturity
12-Month IRA Certificate 2.70% 2.73% $500 Minimum Balance Quarterly
24-MOnth IRA Certificate 3.00% 3.03% $500 Minimum Balance Quarterly
36-Month IRA Certificate 3.25% 3.29% $500 Minimum Balance Quarterly
Kirby Kangaroo
12 Month Certificate
2.70% 2.73% $100 minimum balance Quarterly
Consumer Loans
(Effective June 11, 2008)
Credit Rating

750+ 749-700 699-650 649-600 599-550 <550
Auto Loans
New to 2005 Models APR* APR* APR* APR* APR* APR*
24 Month 4.90% 5.15% 5.75% 7.50% 10.00% 14.00%
36 Month 5.15% 5.40% 6.00% 7.75% 10.25% 14.25%
48 Month 5.40% 5.65% 6.25% 8.00% 10.50% 14.50%
60 Month 5.65% 5.90% 6.50% 8.25% 1075% 14.75%
72 Month 6.15% 6.40% 7.00% 8.75% 11.25% 15.25%
2004 - Older** APR* APR* APR* APR* APR* APR*
12 Month 5.75% 6.00% 6.50% 8.00% 10.00% 14.00%
24 Month 6.00% 6.25% 6.75% 8.25% 10.25% 14.25%
36 Month 6.25% 6.50% 7.00% 8.50% 10.50% 14.50%
48 Month 6.50% 6.75% 7.25% 8.75% 10.75% 14.75%
60 Month 7.00% 7.25% 7.75% 9.25% 11.25% 15.25%
** vehicles with over 100,000 miles max term 36 months
** vehicles with over 70,000 miles max term 48 months
Unsecured Signature      
  APR* APR* APR* APR* APR* APR*
12 Month 8.00% 9.00% 10.00% 13.50% 18.00% 18.00%
24 Month 8.50% 9.50% 10.50% 14.00% 18.00% 18.00%
36 Month 9.50% 10.50% 11.50% 15.00% 18.00% 18.00%
Personal Line of Credit  (Variable Rate Feature)    
  APR* APR* APR* APR* APR* APR*
  9.25% 9.75% 10.25% 13.25% 18.00% 18.00%
Recreational Vehicles and Equipment
New APR* APR* APR* APR* APR* APR*
12 Month 5.25% 5.40% 6.00% 7.50% 9.50% 13.50%
24 Month 5.50% 5.65% 6.25% 7.75% 9.75% 13.75%
36 Month 5.75% 5.90% 6.50% 8.00% 10.00% 14.00%
48 Month 6.00% 6.15% 6.75% 8.25% 10.25% 14.25%
60 Month 6.25% 6.40% 7.00% 8.50% 10.50% 14.50%
84 Month 6.75% 6.90% 7.50% 9.00% 11.00% 15.00%
Used APR* APR* APR* APR* APR* APR*
12 Month 5.50% 5.65% 6.25% 7.75% 9.75% 13.75%
24 Month 5.75% 5.90% 6.50% 8.00% 10.00% 14.00%
36 Month 6.00% 6.15% 6.75% 8.25% 10.25% 14.25%
48 Month 6.25% 6.40% 7.00% 8.50% 10.50% 14.50%
60 Month 6.75% 6.90% 7.50% 9.0% 11.00% 15.00%
84 Month 7.25% 7.40% 8.00% 9.50% 11.50% 15.50%
Home Equity Loans
(Effective February 15, 2008)
Member Credit Score
  750+ 749-700 699-650 649-600 550-599 <500
2nd Mortgage APR* APR* APR* APR* APR*  APR*
5 yr 80% LTV* 5.95% 6.20% 6.75% 7.75% 9.25% 10.75%
  100% LTV* 6.45% 6.70% 7.25% 8.25% 10.25% 11.75%
10 yr 80% LTV* 6.25% 6.75% 7.25% 8.75% 9.75% 11.50%
  100% LTV* 7.00% 8.25% 8.75% 9.75% 10.75% 12.50%
Home Equity LOC** 01/01/08 PRIME 7.25%        
  80% LTV* 5.75% 6.25% 7.25% 7.75% 8.75% 9.75%
  100% LTV* 6.75% 7.25% 8.25% 8.75% 9.75% 10.75%
*Loan-to-Value
**Prime determined Jan. 1 & July 1 each year
Rates are variable and may change semiannually on 2/15 and 8/15
Other Loans
(Effective October 18, 2007)
   Type Term APR*
Airplane 60 months 6.99%
120 months 8.49%
Line-of-Credit/Overdraft Protection N/A 18.00%
Visa Credit Card N/A 14.40%
• To apply for a loan click here
 
 

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