Rates


Deposits


Share

Regular Shares and Escrow Accounts

Minimum Balance

Dividend Rate

APY1

$50 – $999

0.10%

0.10%

$1,000 – $49,999

0.10%

0.10%

$50,000 and Greater

0.10%

0.10%

GoldStar Shares2

Minimum Balance

Dividend Rate

APY1

$50 – $999

0.13%

0.13%

$1,000 – $49,999

0.13%

0.13%

$50,000 and Greater

0.13%

0.13%

Youth Accounts (Kirby Kangaroo and CU Succeed)2,3

Minimum Balance

Dividend Rate

APY1

$25

0.10%

0.10%

IRA Share Accounts

Minimum Balance

Dividend Rate

APY1

$0.00

0.10%

0.10%

Club Account

Minimum Balance

Dividend Rate

APY1

$25

0.10%

0.10%

Non-Interest Bearing

Minimum Balance

Dividend Rate

APY1

$25

0.00%

0.00%

1APY = annual percentage yield.

2Additional requirements apply for Youth and GoldStar accounts.

3Each member is only allowed one primary share subaccount. Minimum required account balance may be different than the minimum rate balance listed above.

Share Draft Accounts

Account Type

Minimum Balance

Dividend Rate

APY1

Regular Share Draft

$500

0.05%

0.05%

FreshStart Share Draft2

$500

0.00%

0.00%

ATM Share Draft

$500

0.00%

0.00%

Business Share Draft

$500

0.00%

0.00%

GoldStar Share Draft2

$500

0.10%

0.10%

1APY = annual percentage yield.

2Additional requirements apply to GoldStar and FreshStart Share Draft accounts.

Money Market

Minimum Balance

Dividend Rate

APY1

$0 – $999

0.00%

0.00%

$1,000 – $4,999

0.10%

0.10%

$5,000 – $9,999

0.15%

0.15%

$10,000 – $24,999

0.20%

0.20%

$25,000 – $49,999

0.25%

0.25%

$50,000 – $99,999

0.30%

0.30%

$100,000 and Greater

0.35%

0.35%

1APY = annual percentage yield.

Share Certificates, IRA Certificates, Dedicated Saver Certificates2,3 and Jumbo Certificates3

Term

Minimum Balance

Dividend Rate

APY1

6 Months

$500.00

0.25%

0.25%

12 Months6

$500.00

0.35%

0.35%

18 Months6

$500.00

0.40%

0.40%

24 Months6

$500.00

0.55%

0.55%

36 Months4,6

$500.00

1.04%

1.05%

48 Months4,6

$500.00

1.29%

1.30%

60 Months4,6

$500.00

2.25%

2.27%

Jumbo Share Certificates

Term

Minimum Combined Balances

Dividend Rate

APY1

36 Months2,5

$500.00

1.14%

1.15%

48 Months2,5

$500.00

1.39%

1.40%

60 Months2,5

$500.00

2.40%

2.43%

1APY = annual percentage yield.

2Dedicated Saver Share Certificates have no minimum balance. A deposit of $5.00 is required to open the certificate and an automatic transfer deposit of at least $5.00 monthly is required.

3Penalty for early withdrawal. Fees can reduce earnings. Please contact our Financial Services Dept. at 801.359.9600 for more information on applicable fees and terms. Must have at least $75,000 in total Share Certificates on account to qualify. Fees could reduce earnings. 

436 to 60 months Regular Share Certificates have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.10% rate increase.

5Jumbo Share Certificates have a variable rate, which adjusts quarterly. No other certificate modifiers apply. Available as Regular Share or IRA Share Certificates.

612 to 60 months Regular Share Certificates can choose a “Flex Option,” with the bump option being waived and a rate reduction of 0.25%. Can complete one withdrawal without penalty each quarter.

7Minimum opening balance of $500 per certificate, must have at least $75,000 in total certificates on account to qualify.

Share Certificate Modifiers2

Account Type

Minimum Balance

Share Certificate Term

APY1

GoldStar

Any

Any

Additional 0.10%

IRA Transfer Special

Any

Any

Additional 0.20%

Youth Accounts

Under $100.00

Any

Additional 0.10%

Youth Accounts

Under $500.00

Any

Additional 0.20%

Youth Accounts

$500.00 or more

Any

Additional 0.30%

1APY = annual percentage yield.

2Share Certificate Modifiers are not allowed on Jumbo Share Certificates.

IRA Shares

Minimum Balance

Dividend Rate

APY1

$1 and Greater

0.10%

0.10%

1APY = annual percentage yield.

Loans


Auto

Account Type

Term

APR as low as1

New Vehicle

Up to 84 months

2.74%

Used Vehicle

Up to 84 months

2.74%

1Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Credit Cards

Account Type

APR as low as1

VISA Platinum

9.90%2

VISA Classic

11.90%2

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

2Minimum limit is $500.00 unless part of a promotional program.

Boats & RVs

Term

APR as low as1

Under $15,000

Up to 84 months

4.99%

$15,000 and Greater

Up to 144 months

5.99%

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Motorcycle, 4-wheeler, Jet-Ski

Term

APR as low as1

Under $15,000

Up to 84 months

4.99%

$15,000 and Greater

Up to 144 months

5.99%

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Share Secured Loan

Term

APR as low as

12 Months

3.10%1

24 Months

3.30%1

36 Months

3.60%1

48 Months

3.80%1

60-120 Months

4.10%1

Visa Credit Card Share Secured

9.90%

1Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.

Credit Builder Loan

Term

APR

Up to 24 Months

9.90%

Payday (Short-Term, Small Amount) Loan

Term

APR as low as1

1 to 6 Months

14.00%

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Overdraft Line of Credit

Account Type

APR as low as1

Overdraft Line of Credit

18.00%

1APY = annual percentage yield.

Personal Loan

Account Type

Term

APR as low as1

Personal Loan

Up to 60 months

9.99%

1APY = annual percentage yield.

Mortgages

Account Type

Term

APR as low as1

1st Mortgage

15 Year Fixed

3.63%

1st Mortgage

30 Year Fixed

4.63%

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

Home Equity (Fixed 2nd)

Account Type

Term

APR as low as2

Home Equity Line of Credit1

Variable

4.00%3,6

Home Equity

5 Year

4.99%4

Home Equity

10 year

5.99%5

1Variable rate is based on the Prime Rate plus a margin as published in the Money Rates column of the Wall Street Journal. Your margin is based on your creditworthiness. Rates for the Home Equity Line of Credit vary based on the equity in your home. Rate can change monthly.

2Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

3Variable rate, 0% down, Rates and financing are offered based on applicant’s credit worthiness and Loan to Value.

4Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

5Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

6All fees or cost are waived if loan has a balance for at least 3 yrs and initial draw is $3,000 or greater.

Land Loan

Account Type

APR as low as1

Land Loan

7.50%2

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).

240% down, term based off credit rating.

Construction Loan

Account Type

APR as low as1

Construction Loan

5.25%2

1Rates and financing are offered based on applicant’s credit worthiness and the term of the loan.

2Loan to Cost = 90%, Loan to Value = 80% Fixed rate, Term of 1 Year.


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801.359.9600