Rates

















 

 

lLoan Rates Effective October 1, 2014 

Vehicles - New (2014-2013)

Term APR* As Low As Estimated monthly payment per $1,000 borrowed
1-3 years 1.69% $ 28.51 (Based on 3 years) 
4 years 1.79% $ 21.60 (Based on 4 years) 
5 years 1.89% $17.48 (Based on 5 years)
6 years (list price at least $25,000) 90% Financing 2.50%

$14.97 (Based on 6 years)

 

 

 

Vehicles - Used
Term APR* As Low As Estimated monthly payment per $1,000 borrowed

(2012-2010)

3 years 1.99% $ 28.64 (Based on 3 years) 
4 years 2.25% $21.81 (Based on 4 years)
5 years 2.50%  $17.75 (Based on 5 years)
(2009-2008)
4 to 4 1/2  years 3.25% $22.25 (Based on 4 years)
(2007-2006)
4 years 4.50% $22.81 (Based on 4 years)
(2005-Older)
3 years 5.20% $30.07 (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)
3.99%
4.25%
$29.52 (Based on 3 years)
$22.69 (Based on 4 years)
Used (1-3 years)
Used (4-5 years)
4.50% 
4.75%
$29.75 (Based on 3 years)
$22.92 (Based on 4 years)

Campers

New (1-5 years) 4.50% $22.80 (Based on 4 years)
New ($15,000.00 or more) 4.85% $12.59 (Based on 8 years)
Used 5.25% $30.08 (Based on 3 years)
Used($15,000.00 or more) 5.50% $12.90 (Based on 8 years)

Boats,Snowmobiles, Wave Runners, and ATVs

New(1-3 years)
New(4-6 years)
5.75% 
6.25%
$30.77 (Based on 3 years)
$ 24.07 (Based on 4 years)
Used(1-3 years)
Used(4-5 years)
6.25% 
6.75%
$31.00 (Based on 3 years)
$24.30 (Based on 4 years)

Small Equipment (Tillers, tractors, lawn mowers, etc.)

New or 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     Daily per rate = 0.019178

 

Signature

APR* As Low As Estimated monthly payment per $1,000 borrowed
7.50% $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 Mortgage 10 year 3.95%  

 

Home Equity / Home Improvement*

Term APR* Estimated Monthly Payment per $1,000 borrowed
1-5 years 4.25% $19.81 (Based on 5 years)
6-10 years 4.75% $ 11.74 (Based on 10 years)

*Requires Appraisal, Title Search, Flood Determination, Filing Fees, and Origination Fees.

 

 **APR-Annual Percentage Rate

 

 

Current Rates as of October 1, 2014 
Account Type Dividend Rate APY* Stipulations
Regular Savings** Avg. Daily Balance up to $999 .15% .15%

 

Regular Savings** Avg. Daily Balance over $1,000 .25% .25%  
Christmas Club** .25% .25%
Money Market*** Avg. Daily Balance $1,000-$49,999.99 .30% .30%
Money Market*** Avg. Daily Balance $50,000 + .40% .40%

Share Drafts Avg. Daily Balance up to $999

.10% .10%
Share Drafts Avg. Daily Balance over $1,000 .15% .15%
Kirby Club** .25% .25%
Vacation Club** .25% .25%
         IRA
      $1-49,999.99
.75% .75%
            IRA
  $50,000-99,999.99
.90% .90%
             IRA
      $100,000.00 +
1.10% 1.10%
* - Annual Percentage Yield
**Rates Subject to change at anytime.
**- 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 October 1, 2014

Term**  Minimum Amount Dividend Rate APY*
6 months $1,000.00-$9,999.00 .30% .30%
6 months $10,000.00 + .35% .35%
12 months $1,000.00-$9,999.00 .50%

.50%

12 months $10,000.00 + .55% .55%
18 months $5,000.00 1.00% 1.00%

24 months

$1,000.00-$9,999.00 .80% .80%
24 months $10,000.00 + 1.00% 1.00%
36 months $1,000.00-$9,999.00 

.95% 

.95% 
36 months $10,000.00 + 1.25% 1.25%
  * - Annual Percentage Yield
** - A penalty may be imposed for early withdrawal.
*** Rates are subject to change at anytime.

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