Rates


Rates as of January 1, 2015 – Subject to change without notice.

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

0.125%

0.125%

$1,000 – $49,999

0.125%

0.125%

$50,000 and Greater

0.125%

0.125%

Youth Accounts (Kirby Kangaroo and Claim Your Youth)2,3

Minimum Balance

Dividend Rate

APY1

$50 – $999

0.15%

0.15%

$1,000 – $49,999

0.15%

0.15%

$50,000 and Greater

0.15%

0.15%

Club Account

Minimum Balance

Dividend Rate

APY1

$25

0.000%

0.000%

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, and Dedicated Saver Certificates2,3

Term

Minimum Balance

Dividend Rate

APY1

6 Months

$500.00

0.25%

0.25%

12 Months6

$500.00

0.50%

0.50%

18 Months6

$500.00

0.50%

0.50%

24 Months6

$500.00

0.75%

0.75%

36 Months4,6

$500.00

1.04%

1.05%

48 Months4,6

$500.00

1.29%

1.30%

60 Months4,6

$500.00

2.13%

2.15%

1APY = annual percentage yield.

2No minimum balance required, but require automatic transfer deposits of at least $5.00 monthly.

3Penalty for early withdrawal. Minimum opening balance of $500, must have at least $75,000 in total certificates on account to qualify. Fees could reduce earnings. Please contact our Financial Services Dept. at 801.359.9600 for more information on applicable fees and terms.

436 to 60 months regular 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 Certificates have a variable rate, which adjusts quarterly. No other certificate modifiers apply. Available as regular or IRA certificates.

612 to 60 months regular 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.

Certificate Special2

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.

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

2.59%

Used Vehicle

Up to 84 months

2.59%

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

4.49%

$15,000 and Greater

Up to 144 months

5.49%

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

4.49%

$15,000 and Greater

Up to 144 months

5.49%

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%

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

Personal Loan

Account Type

Term

APR as low as1

Personal Loan

Up to 60 months

9.99%

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

Mortgages-Conforming

Account Type

Rate

APR as low as1

30 Year Fixed

3.750%

3.921%

20 Year Fixed

3.5%

3.52%

15 Year Fixed

2.875%

3.175%

1The information provided is for a fixed mortgage and assumes the purpose of the loan is rate/term refinance, with a loan amount of $187,500.00 and an estimated property value of $250,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Mortgages-Mini ($250,000 or less)

Account Type

Rate

APR as low as1

5 Year Fixed

2.49%

3.053%

7 Year Fixed

2.99%

3.40%

10 Year Fixed

3.49%

3.785%

1The information provided is for a fixed mortgage and assumes the purpose of the loan is rate/term refinance, with a loan amount of $187,500.00 and an estimated property value of $250,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

Home Equity (Fixed 2nd)

Account Type

Term

APR as low as1

Home Equity Line of Credit

Call for Rates

Call for rate info 801-359-9600

Home Equity

5 Year

3.49%2

Home Equity

10 year

4.49%3

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

2Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

3Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

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