- Loan Rates
- Savings Rates
| (New or Used Vehicles) | 1.99%APR |
| Home Equity Line of Credit | 4.50%APR |
| First Mortgage 10 Year Fixed | 3.01%APR |
| First Mortgage 15 Year Fixed | 3.51%APR |
Effective date: 05/24/2013 VIEW RATES > | |
| Regular Share Account | 0.25%APY |
| Christmas, Vacation, | 0.25%APY |
| Kirby Kangaroo, Club Varsity, | 0.25%APY |
Effective date: 05/24/2013 VIEW RATES > | |
Online Services
Fee Schedule
Share/Savings Account Fees
- Regular Share/Savings Service Fee: $0.50 per withdrawal if over eight (8) withdrawals per quarter
- Vacation Club Service Fee: $0.50 per withdrawal if over four (4) withdrawals per quarter
- Special Share/Savings Service Fee: $0.50 per withdrawal if over four (4) withdrawals per quarter
- All Share/Savings Excessive Withdrawals (Reg.) Fee: $2.00 if more than six (6) per authorized transfers per month
- Money Market Balance Fee: $15.00 per month if balance is less than $1,500.00
- Premier Money Market Balance Fee: $15.00 per month if balance is less that $2,500.00
- Money Market/Premier Money Market Withdrawal/Transfer Fee: $5.00 per withdrawal/transfer if over six (6) per month
Share Draft/Checking Account Fees
- NSF Fee (Check/ACH): $25.00
- Non-returned Item Processing Fee: $7.50
- Stop Payment (ACH & Check) Fee: $25.00 per single/series
- Share Draft/Check Printing Fee: Prices vary depending on style of check
- Account Reconciliation Fee: $15.00 per hour minimum one (1) hour
- Share Draft/Check Copy Fee: $3.00 per check
- Consecutive Overdraft Fee: $4.00 per day starting the fourth (4) day the account is negative
Other Service Fees (Applicable to All Accounts)
- Statement Copy Fee: $1.00 per month
- Monthly Check Copies: $5.00
- Outgoing Wire Fee (Domestic): $15.00
- Outgoing Wire Fee (International): $45.00
- Legal Processing Fee: Cost
- Unlocated Account Fee: $10.00 per month
- NSF Check/ACH Fee: $25.00
- Cashier/Teller Check Fee: $5.00 if more than four (4) checks per month
- Money Order Fee: $1.00 per money order
- Traveler Card Fee: $2.00
- Visa Gift Card Fee: $3.00
- Temporary Checks: $2.00 per page
- Two (2) Party NSF Deposit Fee: $20.00
- Inactive Account Fee: $2.00 per month after six (6) months and the combined total of all accounts is less than $100.00. This excludes credit cards and student loans.
- Bad Address Fee: $3.00 per piece
- Garnishment/Levy Fee: $25.00
Electronic Funds Transfer/Debit Card Fees
- Non Proprietary ATM Withdrawal/Transfer Fee: $2.00
- Four (4) ATM withdrawals Per Month Without a Charge: All transactions over 4 (four) are $2.00
- Debit Card Fees:
Rush Order Fee: $30.00 (in addition to replacement card fee)
Replacement Card Fee: $10.00
Lost/Stolen Card Fee: $25.00
The rates and fees appearing in this schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Rate and Schedule. If you have any questions or require current rate and information on your accounts, please call the Credit Union.
