Savings/Certificate Rates

Savings Rates | Youth Clubs Rates | Checking Rates | Christmas Club Rates | Other Savings Rates | IRA/Roth IRA Savings Rates | Save-to-Win Certificate Rates|Regular & IRA Certificate Rates | Mini Jumbo & Mini Jumbo IRA Certificate Rates | Jumbo & Jumbo IRA Certificate Rates 

Savings/Share Accounts

Rates effective as of March 26, 2021.

Membership 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 0.30% 0.30%
$100,000 and above 0.35% 0.35%

Kirby Kangaroo Club*** and
Claim Your Youth Club***

 Dividend Rate  APY*
$25  – $999.99 0.30% 0.30%
$1,000 – $9,999.99 0.30% 0.30%
$10,000 to $49,999.99 0.35% 0.35%
$50,000 to $99,999.99 0.40% 0.40%
$100,000 and above 0.45% 0.45%

Checking

Dividend Rate  APY*
$0.01 and above 0.25% 0.25%

Christmas Club

Dividend Rate  APY*
$0.01 and above 0.65% 0.65%

Other 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 0.30% 0.30%
$100,000 and above 0.35% 0.35%

IRA/Roth IRA Savings

Dividend Rate  APY*
$0.01 and above 0.75% 0.75%

*APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid monthly. Minimum balance requirements may apply. Penalties may apply for early withdrawal. Fees may reduce earnings. Rates are subject to change at any time without notice.

Certificates and IRAs

Rates effective as of September 8, 2022.

Save-to-Win Certificate**

Minimum Dividend Rate APY*
12 Month $25 0.70% 0.70%

Regular & IRA Certificates

Minimum*** Dividend Rate APY*
3 Month $500 0.30% 0.30%
6 Month $500 0.45% 0.45%
12 Month $500 0.55% 0.55%
18 Month $500 0.60% 0.60%
24 Month $500 0.65% 0.65%
36 Month $500 0.75% 0.75%
48 Month $500 0.80% 0.80%
60 Month $500 0.90% 0.90%

Mini Jumbo & Mini Jumbo
IRA Certificate

Minimum  Dividend Rate APY*
3 Month $10,000 0.35% 0.35%
6 Month $10,000 0.50% 0.50%
12 Month $10,000 0.60% 0.60%
18 Month $10,000 0.65%
0.65%
24 Month $10,000 0.70% 0.70%
36 Month $10,000 0.80% 0.80%
48 Month $10,000 0.85% 0.85%
60 Month $10,000 0.95% 0.95%

Jumbo & Jumbo IRA
Certificates

Minimum  Dividend Rate APY*
3 Month $50,000 0.40% 0.40%
6 Month $50,000 0.55% 0.55%
12 Month $50,000 0.65% 0.65%
18 Month $50,000 0.70% 0.70%
24 Month $50,000 0.75% 0.75%
36 Month $50,000 0.85% 0.85%
48 Month $50,000 0.90% 0.90%
60 Month $50,000 1.00% 1.01%

*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 CD rate excluding CD specials. 

** Save to Win participants must be 18 years of age.  Save to Win is not eligible for any type of bonus dividend. 

***Kirby Kangaroo (can be opened between the ages of 0-12) and Claim Your Youth Club (can be opened between the ages 13-18) Members can open Certificates with a minimum deposit of $250.