|
 |
lLoan Rates Effective January 17, 2012
|
Vehicles - New (2012-2011)
|
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 1-3 years |
2.25% |
$ 28.75 (Based on 3 years) |
| 4 years |
2.75% |
$ 22.03 (Based on 4 years) |
| 5 years |
2.85% |
$17.90 (Based on 5 years) |
| 6 years (list price at least $25,000) 90% Financing |
3.75% |
$15.53 (Based on 6 years)
|
| Vehicles - Used |
| Term |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
|
(2010-2008)
|
| 4 years |
3.95% |
$ 22.56 (Based on 4 years) |
| 4 1/2 to 5 years |
4.25% |
$18.53 (Based on 5 years) |
| (2007-2006) |
| 4 to 4 1/2 years |
4.95% |
$23.01 (Based on 4 years) |
| (2005-2004) |
| 4 years |
5.50% |
$23.26 (Based on 4 years) |
| (2003-Older) |
| 3 years |
5.95% |
$30.40(Based on 3 years) |
| Type |
APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| Motorcycles |
New ( 1-3 years)
New (4-5 years) |
6.75%
7.25% |
$30.77 (Based on 3 years)
$24.07 (Based on 4 years) |
Used (1-3 years)
Used (4-5 years) |
7.25%
7.75% |
$31.00 (Based on 3 years)
$24.30 (Based on 4 years) |
|
Campers
|
| New (1-5 years) |
6.25% |
$19.45 (Based on 4 years) |
| New ($15,000.00 or more) |
7.25% |
$13.76 (Based on 8 years) |
| Used |
6.75% |
$30.77 (Based on 3 years) |
| Used($15,000.00 or more) |
7.75% |
$14.01 (Based on 8 years) |
|
Boats,Snowmobiles, Wave Runners, and ATVs
|
New(1-3 years)
New(4-6 years) |
6.75%
7.25% |
$30.77 (Based on 3 years)
$ 24.07 (Based on 4 years) |
Used(1-3 years)
Used(4-5 years) |
7.25%
7.75% |
$31.00 (Based on 3 years)
$24.30 (Based on 4 years) |
|
Small Equipment (Tillers, tractors, lawn mowers, etc.)
|
| New/Used |
6.25% |
$30.54 (Based on 3 years) |
|
Open End
|
| APR* |
Estimated monthly payment per $1,000 borrowed |
| 7.00%* |
$30.88 (Based on 3 years) |
| *Fixed interest rate, no additional fees |
|
Signature
|
| APR* As Low As |
Estimated monthly payment per $1,000 borrowed |
| 9.00% |
$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 |
.15% |
.15% |
|
| Regular Savings** Avg. Daily Balance over $1,000 |
.40% |
.40% |
|
| Christmas Club** |
.25% |
.25% |
| Money Market*** Avg. Daily Balance $1,000-$9,999 |
.50% |
.50% |
| Money Market*** Avg. Daily Balance $10,000 + |
.55% |
.55% |
|
Share Drafts Avg. Daily Balance up to $999
|
.10% |
.10% |
| Share Drafts Avg. Daily Balance over $1,000 |
.15% |
.15% |
| Kirby Club** |
.50% |
.50% |
| Vacation Club** |
.25% |
.25% |
| IRA (regular)** |
1.50% |
1.51% |
* - Annual Percentage Yield
**- Minimum of $25.00 to open account.
No Maintenance Fee on these accounts--Fees could reduce the earnings on the account.
***Minimum Balance of $1,000 must remain in account at all times
Share Certificates- Effective January 17, 2012
| Term** |
Minimum Amount |
Dividend Rate |
APY* |
| 6 months |
$1,000.00-$9,999.00 |
.55% |
.55% |
| 6 months |
$10,000.00 + |
.60% |
.60% |
| 12 months |
$1,000.00-$9,999.00 |
1.10% |
1.10%
|
| 12 months |
$10,000.00 + |
1.15% |
1.15% |
|
24 months
|
$1,000.00-$9,999.00 |
1.40% |
1.40% |
| 24 months |
$10,000.00 + |
1.45% |
1.46% |
| 36 months |
$1,000.00-$9,999.00 |
1.70%
|
1.71% |
| 36 months |
$10,000.00 + |
1.75% |
1.76% |
* - Annual Percentage Yield
** - A penalty may be imposed for early withdrawal.
*** Rates are subject to change at anytime. |
