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Account Rate Schedule

Savings and Checking Accounts

Account Type Minimum Balance Dividend Rate APY
Basic Savings $100  0.10%  0.10%
Kirby Share Savings $10  0.10%  0.10%
Special Savings $5,000  0.10%  0.10%
Holiday Club Savings $100  0.10%  0.10%
Personal Checking $0  0.00%  0.00%
High Yield Checking (Qualifying Accounts)* Up to $10,000 $0   2.96%  3.00%
High Yield Checking (Qualifying Accounts)* $10,000 + $0   0.10%   0.10%
High Yield(Non-Qualifying Accounts)* $0   0.10%   0.10%

Dividends are calculated using Average Daily Balance. Special Savings and Holiday Club dividends credit and compound annually. Basic Savings and High Yield Checking dividends credit and compound monthly. Rates subject to change after account opening and effective as of November 1, 2014.

*3.00% Annual Percentage Yield (APY) paid on balances between one penny and $10,000 and 0.10% APY paid on all amounts above $10,000.00 each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a checking account earning 0.10% APY. Rates as of November 1, 2014.  Interest rate and APY subject to change at any time after the account is opened. No Minimum Balance Required. Minimum requirements to earn bonus rate include Direct Deposit, e-Statements, Online Banking and at least 25 signature-based Debit Card transactions must be posted to the account within a one calendar month period. ATM and PIN-generated transactions do not qualify member for bonus rate. APY is accurate as of the last dividend declaration date. Available to Personal Accounts only. No monthly service charge. Maintenance or activity fees could reduce the earnings of this account.  Call Credit Union for full account details.

Open a Savings or Checking Account

Money Market Account

Account Balance Dividend Rate APY
$0 - $1,999.99 0.00% 0.00%
$2,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.20% 0.20%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 and over 0.25% 0.25%

Premier Money Market

Account Balance Dividend Rate
APY
$0 - $24,999.99 0.00% 0.00%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.65% 0.65%
$100,000 - $199,999.99 0.75% 0.75%
$200,000 and over
0.85% 0.85%

Interest is calculated using Average Daily Balance. Interest credits and compounds monthly. Rates subject to change after account opening and effective as of September 5, 2014. Maintenance or activity fees could reduce the earning of this account.

Open a Money Market Account

Certificates of Deposit

Account Type Term Minimum Balance Dividend Rate APY
         
Saver Certificate 6-month $500 0.35% 0.35%
Saver Certificate 12-month $500 0.50% 0.50%
Saver Certificate 24-month $500 0.85% 0.85%
Special Certificate 16-month $10,000 1.59% 1.60%
Investor Certificate 7-month $2,000 0.50% 0.50%
Investor Certificate 12-month $2,000 1.09% 1.10%
Investor Certificate 24-month $2,000 1.34% 1.35%
Investor Certificate 36-month $2,000 1.59% 1.60%
Investor Certificate 48-month $2,000 1.79% 1.80%
Investor Certificate 60-month $2,000 2.08% 2.10%
         


*APY = Annual Percentage Yield. Interest is calculated using Average Daily Balance. Interest credit and compounds quarterly. Renewals are automatic unless notified within 10-day Grace Period. The 16-month Special certificate is non-renewable. Rates for term accounts are effective as of August 1, 2017, and are subject to change. Early withdrawal penalties may be imposed. $5.00 minimum deposit to open a savings account. See Credit Union for full account details. Federally Insured by NCUA.

 Open a Certificate of Deposit

For the most current rates, please hit your "Refresh" or "Reload" button. Rates for term accounts are effective as of August 1, 2017 and are subject to change. All rates are annual percentage yields (APY) unless otherwise noted.

Account Disclosures

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