Savings Accounts
Effective Date: Thursday, February 23rd, 2012
Account TypeInterest Rate*APY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
Member Savings 0.15% 0.15% $5.00 $25.00 Quarterly
Christmas Club 0.15% 0.15% $0.00 $25.00 Quarterly
Secondary Savings 0.15% 0.15% $0.00 $25.00 Quarterly

Kirby Kids Club

1.15% 1.15% $5.00 $25.00 Quarterly

Elements Teen Club

1.15% 1.15% $5.00 $25.00 Quarterly

Checking Accounts
Effective Date: Thursday, February 23rd, 2012
Account TypeInterest RateAPY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited
Basic Checking N/A N/A N/A $0 N/A
Plus Checking 0.10% 0.10% $250.00 $250.00 Quarterly
Premier Checking 0.15% 0.15% $1,500.00 $1.500.00 Quarterly

High Yield Accounts
Effective Date: Thursday, February 23rd, 2012
Account TypeInterest RateAPY*Minimum Opening BalanceMinimum Balance for DividendDiv. Period Compounded & Credited

Advantage High Yield

$0.00 -
$2,499.99
0.00% 0.00% $2,500.00 $2,500 Monthly
$2,500.00 - $9,999.99 0.20% 0.20% $2,500.00 $2,500 Monthly
$10,000.00 - $24,999.99 0.25% 0.25% $2,500.00 $2,500 Monthly
$25,000.00
and up
0.30% 0.30% $2,500.00 $2,500 Monthly

Extreme High Yield

$0.00 -
$24,999.99
0.00% 0.00% $25,000.00 $25,000 Monthly
$25,000.00 - $49,999.99 0.30% 0.30% $25,000.00 $25,000 Monthly
$50,000.00 - $74,999.99 0.40% 0.40% $25,000.00 $25,000 Monthly
$75,000.00
and up
0.45% 0.45% $25,000.00 $25,000 Monthly

IRA Savings
Effective Date: Thursday, February 23rd, 2012
Account TypeRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited

Traditional and Roth

$0.00 -
$99.99
0.00% 0.00% $100.00 $100.00 Monthly
$100.00 -
$9,999.99
0.30% 0.30% $100.00 $100.00 Monthly
$10,000.00 - $49,999.99 0.40% 0.40% $100.00 $100.00 Monthly
$50,000.00 - $99,999.99 0.50% 0.50% $100.00 $100.00 Monthly
$100,000.00
and up
0.60% 0.60% $100.00 $100.00 Monthly

Certificates of Deposit
Effective Date: Thursday, February 23rd, 2012
TermRateAPY*Minimum Opening BalanceMin. Required Balance for Div./Int.Div. Period Compounded & Credited

Under $100,000.00

6 Month

0.40% 0.40% $1,000.00 $1,000.00 Monthly

12 Month

0.50% 0.50% $1,000.00 $1,000.00 Monthly

18 Month

0.60% 0.60% $1,000.00 $1,000.00 Monthly

24 Month

0.75% 0.75% $1,000.00 $1,000.00 Monthly

36 Month

1.00% 1.00% $1,000.00 $1,000.00 Monthly

$100,000.00 or more

6 Month

0.40% 0.40% $100,000.00 $100,000.00 Monthly

12 Month

0.50% 0.50% $100,000.00 $100,000.00 Monthly

18 Month

0.60% 0.60% $100,000.00 $100,000.00 Monthly

24 Month

0.75% 0.75% $100,000.00 $100,000.00 Monthly

36 Month

1.00% 1.00% $100,000.00 $100,000.00 Monthly

*APY = Annual Percentage Yield. Minimum balance required to open the account. Interest calculated by the daily balance method.
** Rates fixed for the term of the certificate. A penalty may be imposed for early withdrawal. Minimum balance $100 for minors. Save To Win minimum balance $25.

 

Top ^
Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act