Rates

Rates as of October 16, 2018 – Subject to change without notice

Regular Shares and Escrow Accounts

Minimum BalanceDividend RateAPY1
$50 – $9990.10%0.10%
$1,000 – $49,9990.10%0.10%
$50,000 and Greater0.10%0.10%

GoldStar® Shares2

Minimum BalanceDividend RateAPY1
$50 – $9990.125%0.125%
$1,000 – $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%

Business Share Account

Minimum BalanceDividend RateAPY1
$50 – $9990.125%0.125%
$1,000 – $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%

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

Minimum BalanceDividend RateAPY1
$50 – $9990.15%0.15%
$1,000 – $49,9990.15%0.15%
$50,000 and Greater0.15%0.15%

Club Account

Minimum BalanceDividend RateAPY1
$250.10%0.10%

Non-Interest Bearing

Minimum BalanceDividend RateAPY1
$250.00%0.00%

Share Draft Accounts

Account TypeMinimum BalanceDividend RateAPY1
Regular Share Draft$5000.05%0.05%
FreshStart Share Draft 2$5000.00%0.00%
ATM Share Draft$5000.00%0.00%
Business Basic Share Draft$5000.05%0.05%
Business Premier Share Draft$5000.20%0.20%
GoldStar® Share Draft 2$5000.10%0.10%

Money Market

Minimum BalanceDividend RateAPY1
$0 - $9990.00%0.00%
$1,000 - $4,9990.25%0.25%
$5,000 - $9,9990.40%0.40%
$10,000 - $24,9990.50%0.50%
$25,000 - $49,9990.70%0.70%
$50,000 - $99,9990.70%0.70%
$100,000 and Greater0.70%0.70%

Share Certificates, IRA Certificates, and Dedicated Saver Certificates 4

TermMinimum BalanceDividend RateAPY 1
6 Months$500.001.39% 1.40%
12 Months$500.002.47%2.50%
18 Months$500.002.62% 2.65%
24 Months$500.002.67%2.70%
36 Months 5$500.003.20% 3.25%
48 Months 5$500.002.96%3.00%
60 Months 5$500.003.30% 3.35%

Share Certificate Modifiers

Account TypeMinimum BalanceShare Certificate TermAPY 1
GoldStar®AnyAnyAdditional 0.10%
IRA Transfer SpecialAnyAnyAdditional 0.20%
Youth AccountsUnder $100.00AnyAdditional 0.10%
Youth AccountsUnder $500.00AnyAdditional 0.20%
Youth Accounts$500.00 or moreAnyAdditional 0.30%
Jumbo Certificates$75,000.00 or moreAnyAdditional 0.15%
Birthday or Anniversary PostcardAnyAnyAdditional 0.10%

IRA Shares

Minimum BalanceDividend RateAPY 1
$1 and Greater0.10%0.10%

 

  • 1 APY = annual percentage yield.
  • 2 Additional requirements apply for Youth and GoldStar® accounts.
  • 3 Each member is only allowed one primary share subaccount. Minimum required account balance may be different than the minimum rate balance listed above.
  • 4 $5.00 minimum balance required, also requires automatic transfer deposits of at least $5.00 monthly.
  • 5 36 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% APR (annual percentage rate) rate increase.

Auto Loan

Account TypeTermAPR as low as 1
New VehicleUp to 84 months3.99% - 60 Months
Used VehicleUp to 84 months3.99% - 60 Months

Credit Cards

Account TypeAPR as low as 1
VISA Platinum9.90% 2

Boats & RV Loan

BalanceTermAPR as low as 1
Under $15,000Up to 84 months5.74%
$15,000 and GreaterUp to 144 months6.49%

Motorcycle, 4-wheeler, Jet-Ski

BalanceTermAPR as low as 1
Under $15,000Up to 84 months5.49%
$15,000 and GreaterUp to 144 months6.49%

Share Secured Loan

TermAPR as low as
12 Months3.00% 3
24 Months3.25% 3
36 Months3.50% 3
48 Months3.75% 3
60-120 Months4.00% 3
Visa Credit Card Share Secured9.90%

Credit Builder Loan

TermAPR as low as 1
Up to 24 Months9.90%

Overdraft Line of Credit

Account TypeAPR as low as 1
Overdraft Line of Credit18.00%

Personal Loan

Account TypeTermAPR as low as 1
Personal LoanUp to 60 months9.99%

Mortgages-Conforming

Account TypeRateAPR as low as 4
30 Year Fixed4.625%4.868%
20 Year Fixed4.375%4.52%
15 Year Fixed4.12%4.318%

Mortgages-Mini ($250,000 or less)

Account TypeRateAPR as low as 4
5 Year Fixed3.865%3.865%
7 Year Fixed4.115%4.115%
10 Year Fixed4.365%4.365%
  • 1 Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  • 2 Minimum limit is $500.00 unless part of a promotional program.
  • 3 Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.
  • 4 The 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 TypeTermAPR as low as 1
Home Equity Line of CreditCall for RatesCall for rate info 801-359-9600
Home Equity5 Year5.375% 2
Home Equity10 year5.87% 3
  • 1 Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  • 2 Fixed rate, 0% down, Current rate based off Loan To Value of 80%.
  • 3 Fixed rate, 0% down, Current rate based off Loan To Value of 80%.

Lot Loan

Account TypeAPR as low as 1
Improved Lot Loan5.00% 2
Unimproved Lot Loan8.00% 2
  • 1 Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  • 2 40% down, term based off credit rating.

Construction Loan

Account TypeAPR as low as 1
Construction Loan6.25% 2
  • 1 Rates and financing are offered based on applicant’s credit worthiness and the term of the loan.
  • 2 Loan to Cost = 90%, Loan to Value = 80% Fixed rate, Term of 1 Year.

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