|
 |
lLoan Rates Effective July 20, 2010
|
Vehicles - New (2010-2009)
|
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 1-3 years |
4.00% |
$ 29.38 (Based on 3 years) |
| 4 years |
4.25% |
$ 22.47 (Based on 4 years) |
| 5 years |
5.00% |
$18.86 (Based on 5 years) |
| 6 years (list price at least $25,000) 90% Financing |
5.50% |
$16.46 (Based on 6 years) |
| Vehicles - Used |
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
|
(2008-2006)
|
| 4 years |
5.00% |
$ 23.02 (Based on 4 years) |
| 4 1/2 to 5 years |
5.50% |
$18.99(Based on 5 years) |
| (2005-2004) |
| 4 to 4 1/2 years |
6.00% |
$23.37(Based on 4 years) |
| (2003-2002) |
| 4 years |
6.50% |
$23.61(Based on 4 years) |
| (2001-Older) |
| 3 years |
6.95% |
$30.77(Based on 3 years) |
| Type |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| Motorcycles |
| New |
7.25% |
$24.42 (Based on 4 years) |
| Used |
7.75 |
$31.58 (Based on 3 years) |
|
Campers
|
| New |
7.25% |
$24.18 (Based on 4 years) |
| New ($15,000.00 or more) |
7.25% |
$13.89(Based on 8 years) |
| Used |
7.75% |
$31.34 (Based on 3 years) |
| Used($15,000.00 or more) |
7.75% |
$14.14 (Based on 8 years) |
|
Snowmobiles, Wave Runners, and ATVs
|
| New |
7.25% |
$23.95 (Based on 4 years) |
| Used |
7.75% |
$31.34 (Based on 3 years) |
|
Small Equipment (Tillers, tractors, lawn mowers, etc.)
|
| New/Used |
7.25% |
$31.69 (Based on 3 years) |
|
Open End
|
| APR* |
Estimated monthly payment per $1,000 borrowed |
| 9.00%* |
$31.34 (Based on 3 years) |
| *Fixed interest rate, no additional fees |
|
Signature
|
| APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 10.00% |
$31.81 (Based on 3 years) |
|
Land
|
| Term |
APR* |
Estimated monthly payment per $1,000 borrowed |
| 5 years maximum |
Call for current rate |
$19.57 (6.50% for 5 years) |
|
Mortgage
|
| Type |
Term |
APR* |
Estimated Monthly Payment per $1,000 borrowed |
| 1st Mortgage |
Up to 30 years |
Call for current rate |
|
| 1st and 2nd Mortgage |
8, 10, 15 years |
Call for current rate |
|
|
Home Equity / Home Improvement*
|
| Term |
APR* |
Estimated Monthly Payment per $1,000 borrowed |
| 1-5 years |
5.10% |
$19.81 (Based on 5 years) |
| 6-10 years |
5.25% |
$ 11.74 (Based on 10 years) |
*Requires Appraisal, Title Search, Flood Determination, Filing Fees, and Origination Fees.
Current Rates
| Account Type |
Dividend Rate |
APY* |
Stipulations |
| Regular Savings** Avg. Daily Balance up to $999 |
.50% |
.50% |
|
| Regular Savings** Avg. Daily Balance over $1,000 |
1.00% |
1.00% |
|
| Christmas Club** |
1.00% |
1.00% |
| Money Market*** Avg. Daily Balance $1,000-$9,999 |
1.25% |
1.26% |
| Money Market*** Avg. Daily Balance $10,000 + |
1.30% |
1.31% |
|
Share Drafts Avg. Daily Balance up to $999
|
.25% |
.25% |
| Share Drafts Avg. Daily Balance over $1,000 |
.50% |
.50% |
| Kirby Club** |
1.00% |
1.00% |
| Vacation Club** |
1.00% |
1.00% |
| IRA (regular)** |
2.75% |
2.78% |
* - Annual Percentage Yield
**- Minimum of $5.00 to open account. No Maintenance Fee on these accounts
***Minimum Balance of $1,000 must remain in account at all times
CD Rates - Effective July 20, 2010
| Term** |
Minimum Amount |
Dividend Rate |
APY* |
| 6 months |
$1,000.00-$9,999.00 |
1.25% |
1.25% |
| 6 months |
$10,000.00 + |
1.30% |
1.30% |
| 12 months |
$1,000.00-$9,999.00 |
1.60% |
1.61%
|
| 12 months |
$10,000.00 + |
1.65% |
1.66% |
|
24 months
|
$1,000.00-$9,999.00 |
1.95% |
1.96% |
| 24 months |
$10,000.00 + |
2.00% |
2.01% |
| 36 months |
$1,000.00-$9,999.00 |
2.25%
|
2.26% |
| 36 months |
$10,000.00 + |
2.30% |
2.31% |
* - Annual Percentage Yield
** - A penalty may be imposed for early withdrawal.
*** Rates are subject to change at anytime. |
