RATES & TERMS - Effective April 9, 2008
*** Rates are subject to change without notice ***
** Please contact the Credit Union for any specials **
 
DIVIDEND RATES
Share Account "A"
Rate
Annual Percentage Yield
$300.00 - $10,000.00
0.50%
0.50%
$10,000.01 - $49,999.00
0.60%
0.60%
$49,999.01 ON UP
0.75%
0.75%
Elite Draft "0" - 0
Rate
Annual Percentage Yield
$300.00 - $1,000.00
0.25%
0.25%
$1,000.01 - $5,000.00
0.25%
0.25%
$5,000.01 ON UP
0.25%
0.25%
($5.00 Monthly Service Charge for balance below $150.00)
 
Value Draft "2" - 2
 
IRA's "1" - 1
Rate
Annual Percentage Yield
$500 ON UP
1.25%
1.26%
College Fund "U" - U
Rate
Annual Percentage Yield
21 and Under
3.75%
3.75%
 
Youth Account "C" - C
Rate
Annual Percentage Yield
17 and Under
0.50%
0.50%
Kirby Kangaroo Account
Rate
Annual Percentage Yield
12 and Under
0.50%
0.50%
 
Christmas Club Account "D" - H (Rates available from CU Representative)
 
TERM SHARE ACCOUNTS Effective February 12, 2008
*** Rates are subject to change without notice ***
6 Months
"O"
 Minimum $1,000.00 2.33% 2.36% Annual Percentage Yield
12 Months
"N"
 Minimum $1,000.00 2.41% 2.44% Annual Percentage Yield
24 Months
"Q"
 Minimum $1,000.00 2.63% 2.66% Annual Percentage Yield
 
LOANS
Share Secured - Up to 60 Months - 6.90%
Term Secured - Up to 60 Months - 6.90%
Signature Unsecured - Up to 36 Months - 12.50% (Maximum $5,000)
Overdraft Protection - 18.00%
 
New Vehicles (2007) with 100% of Purchase Price ($18,000 and above)
12 - 36 Months
6.00%
New Vehicles (2007) with 100% of Purchase Price ($18,000 and above)
37 - 48 Months
6.25%
New Vehicles (2007) with 100% of Purchase Price ($18,000 and above)
49 - 60 Months
6.50%
New Vehicles (2007) with 100% of Purchase Price ($18,000 and above)
61 - 72 Months
6.75%
New Vehicles (2007) with 110% of Purchase Price ($18,000 and above)
12 - 72 Months
7.50%
(Will Match Dealer's Rate/No Lower Than 5% Up To 72 Months - Must Have Rate in Writing)
2006 - 2003 Used Vehicles with 100% of Purchase Price ($18,000 and above)
12 - 72 Months
6.90%
2006 - 2003 Used Vehicles with 110% of Purchase Price
12 - 72 Months
7.90%
2002 - 2000 Used Vehicles with 100% of Trade In
12 - 48 Months
7.25%
2002 - 2000 Used Vehicles with 100% of Average Retail
12 - 48 Months
8.25%
1999 - 1988 Used Vehicles - 100% of Trade In
12 - 48 Months
9.00%
 
Your savings are Federally insured up to $100,000 by the National Credit Union Administration, a U.S. Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.