|
 |
lLoan Rates Effective August 27, 2008
|
Vehicles - New (2008-2007)
|
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 1-3 years |
4.95% |
|
| 4 years |
4.95% |
|
| 5 years |
5.25% |
$19.22 (Based on 5 years) |
| 6 years (list price at least $25,000) |
6.00% |
$16.58 (Based on 6 years) |
| Vehicles - Used |
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
|
(2006-2004)
|
| 4 years |
4.95% |
|
| 4 1/2 to 5 years |
5.25% |
$19.22(Based on 5 years) |
| (2003-2002) |
| 4 to 4 1/2 years |
6.25% |
$23.83(Based on 4 years) |
| (2001-2000) |
| 4 years |
6.75% |
$23.90(Based on 4 years) |
| (Older-1999) |
| 3 years |
6.90% |
$31.00(Based on 3 years) |
| Type |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| Motorcycles |
| New |
7.90% |
$24.42 (Based on 4 years) |
| Used |
8.25% |
$31.58 (Based on 3 years) |
|
Campers
|
| New |
7.50% |
$24.18 (Based on 4 years) |
| New ($15,000.00 or more) |
7.50% |
$13.89(Based on 8 years) |
| Used |
8.00% |
$31.34 (Based on 3 years) |
| Used($15,000.00 or more) |
8.00% |
$14.14 (Based on 8 years) |
|
Snowmobiles, Wave Runners, and ATVs
|
| New |
7.00% |
$23.95 (Based on 4 years) |
| Used |
8.00% |
$31.34 (Based on 3 years) |
|
Small Equipment (Tillers, tractors, lawn mowers, etc.)
|
| New/Used |
7.75% |
$31.69 (Based on 3 years) |
|
Open End
|
| APR* |
Estimated monthly payment per $1,000 borrowed |
| 8.00%* |
$31.34 (Based on 3 years) |
| *Fixed interest rate, no additional fees |
|
Signature
|
| APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 8.00% |
$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 |
6.10% |
$19.81 (Based on 5 years) |
| 6-10 years |
6.25% |
$ 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 |
.75% |
.75% |
|
| Regular Savings** Avg. Daily Balance over $1,000 |
1.75% |
1.76% |
|
| Christmas Club** |
1.75% |
1.76% |
| Money Market*** Avg. Daily Balance $1,000-$9,999 |
1.85% |
1.87% |
| Money Market*** Avg. Daily Balance $10,000 + |
2.00% |
2.02% |
|
Share Drafts Avg. Daily Balance up to $999
|
.25% |
.25% |
| Share Drafts Avg. Daily Balance over $1,000 |
.50% |
.50% |
| Kirby Club** |
1.75% |
1.76% |
| Vacation Club** |
1.75% |
1.76% |
| IRA (regular)** |
3.75% |
3.82% |
* - 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 August 27, 2008
| Term** |
Minimum Amount |
Dividend Rate |
APY* |
| 6 months |
$1,000.00-$9,999.00 |
2.55% |
2.57% |
| 6 months |
$10,000.00 + |
2.60% |
2.62% |
| 12 months |
$1,000.00-$9,999.00 |
2.90% |
2.92%
|
| 12 months |
$10,000.00 + |
2.95% |
2.97% |
|
24 months
|
$1,000.00-$9,999.00 |
3.10% |
3.12% |
| 24 months |
$10,000.00 + |
3.15% |
3.17% |
| 36 months |
$1,000.00-$9,999.00 |
3.25% |
3.28% |
| 36 months |
$10,000.00 + |
3.30% |
3.33% |
* - Annual Percentage Yield
** - A penalty may be imposed for early withdrawal.
*** Rates are subject to change at anytime. |
