Savings/CD Rates

Savings  Dividend Rate*

APY**

$25  – $999.99 0.25% 0.25%
$1,000 – $9,999.99  0.25% 0.25%
 $10,000 to $49,999.99 0.30% 0.30%
$50,000 to $99,999.99 0.35% 0.35%
$100,000 and above 0.40% 0.40%



IRA Savings 0.75% 0.75%
Checking (Share Draft) 0.25% 0.25%
Christmas Club 0.25% 0.25%



Other Savings  Dividend Rate*  APY**
Kirby Kangaroo Club for kids 0.25% 0.25%
Claim Your Youth Teen Club 0.30% 0.30%



*Dividend Computation: Dividends are calculated by the average daily balance in your account and are paid monthly on the last day of each month. Dividend rates are reviewed monthly and declared by the Board of Directors based on the profitibility of the credit union and are subject to change without notice. Accounts which are closed during the month will not earn dividends for that month.
**APY = Annual Percentage Yield

Certificates

Save-to-Win Certificate  Minimum  Dividend Rate APY*
12 Month $25 0.40% 0.40%
Regular & IRA Certificates   Minimum**  Dividend Rate APY*
3 Month $500 0.20% 0.20%
6 Month $500 0.30% 0.30%
12 Month $500 0.40% 040%
18 Month $500 0.50% 0.50%
24 Month $500 0.70% 0.70%
36 Month $500 0.95% 0.95%
48 Month $500 1.15% 1.16%
60 Month $500 1.35% 1.36%

 

Mini Jumbo & Mini Jumbo IRA Certificate Rates  Minimum  Dividend Rate APY*
3 Month $10,000 0.25% 0.25%
6 Month $10,000 0.35% 0.35%
12 Month $10,000 0.45% 045%
18 Month $10,000 0.55% 0.55%
24 Month $10,000 0.75% 0.75%
36 Month $10,000 1.00% 1.00%
48 Month $10,000 1.20% 1.21%
60 Month $10,000 1.40% 1.41%

 

Jumbo & Jumbo IRA Certificate Rates  Minimum  Dividend Rate APY*
3 Month $50,000 0.30% 0.30%
6 Month $50,000 0.40% 0.40%
12 Month $50,000 0.50% 0.50%
18 Month $50,000 0.60% 0.60%
24 Month $50,000 0.80% 0.80%
36 Month $50,000 1.05% 1.05%
48 Month $50,000 1.25% 1.26%
60 Month $50,000 1.45% 1.46%

*APY = Annual Percentage Yield. Dividends are accrued daily and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal on term share accounts. Fees may reduce earnings. Rates are subject to change at any time without notice. Members age 55+ receive a 0.15% bonus dividend above the current rate.
**Kirby Kangaroo Club and Claim Your Youth Club Members can open Regular and IRA Certificates with a minimum deposit of $250.

**APY = Annual Percentage Yield.  Rates subject to change without notice.