Deposit Rates

Rates Effective as of January 1st, 2017
 

Certificates

Additional deposits not allowed.
Will automatically renew at the same
term and the rate in effect at
maturity unless notified before maturity.
Substantial penalty for early withdrawal

MINIMUM
DEPOSIT
REQUIRED

TERM

DIVIDEND RATE
(APR)

ANNUAL
PERCENTAGE
YIELD (APY)

Smart Saver Certificate $250 90 days 0.25 0.25
STEP-UP Certificate $500 24 months 0.70 0.70

SUPER Saver Certificate
$1,000 6 months
12 months
24 months
36 months

0.40
0.55
0.75
0.95

0.40
0.55
0.75
0.95

JUMBO Saver Certificate $100,000 6 months
12 months
24 months
36 months
0.45
0.60
0.80
1.05

0.45
0.60
0.80
1.05

Checking and Savings
Accounts

BALANCE
REQUIRED

to earn dividend

DIVIDEND
RATE (APR)

ANNUAL
PERCENTAGE
YIELD (APY)

Checking Account $2,500 0.05 0.05
Membership Savings $100 0.25 0.25
Kirby Kangaroo Club Savings
For children up through age 13.
 
Claim Your Youth Savings
For teens through age 18.
$25 0.25 0.25
Christmas Club $100 0.15 0.15
Vacation Club $100 0.15 0.15

Individual Retirement Account(IRA)
No minimum deposit required.

$100 0.50 0.50

Money Market

$0.00 - $2,499
$2,500 - $10,000
$10,001 - $25,000
$25,001 - $50,000
$50,001 and over

0.00
0.30
0.30
0.35
0.40

0.00
0.30
0.30
0.35

0.40