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Rates & Fees


For a complete list of Fees click here.


LOAN RATES

Description Term APR
New Autos 36 Months 3.5%
48 Months 4.0%
60 Months 4.5%

Used Autos - 06 & Newer 36 Months 5.0%
48 Months (max) 5.5%
Special 5 year financing on 08 or newer - $20,000 minimum
Used Autos - 01 to 05 36 Months (max) 6.0%
Used Autos - 00 & older 24 Months (max) 7.0%

MasterCard (No Annual Fee!) 13.5%

Unsecured 12 Months 4.0%
18 Months 4.5%
24 Months 5.0%
25 Months & over 10.0%
Share Secured 12 Months 2.75%
13 Months & over 3.75%

SHARE RATES

Description Dividend Rate APY* Minimum Balance to Earn
Basic Shares 0.50% 0.501% $25.00
Emergency Savings 0.50% 0.501% $25.00
Holiday Club 0.50% 0.501% $5.00
Kirby Kangaroo Kids Club 0.50% 0.501% no minimum
Share Draft 0.00% 0.00% n/a
All dividends are calculated on the average daily balance, paid and compounded monthly.
*Annual Percentage Yield

Rates are determined by the Board of Directors and are subject to change.



FEE SCHEDULE Effective 5-31-10

Savings Account Fees
Basic Share Account Service fee $5.00 per month if the minimum balance is not maintained
Holiday Club Account Early Withdrawal fee $10.00 if withdrawal made from March 1 through October 31
Share Draft Account Fees
NSF fee $25.00 per item
Stop Payment fee $20.00 per request
Share Draft Printing fee varies prices may vary depending upon style
Copy of Share Draft fee $2.50 per item
Other Services Fees (applicable to all accounts)
Account Reconciliation fee $10.00 per hour
Statement Copy fee $2.00 per copy
Deposited Item Return fee $10.00 per item
Wire Transfer (outgoing) fee $15.00 per transfer
Wire Transfer (incoming) fee $5.00 per transfer
Money Order fee $2.00 per money order
Notary fee $10.00 for non-members
Credit Union Check $2.00 per check if payable to other than member