RATES

All Rates are effective as of 6/01/2019 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent rates.
Please refer to the Truth-In-Savings brochure for complete disclosure of terms.

*** Acclaim FCU checking account holders with direct deposit add .10% to certificate APY***

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
TERMDIVIDEND RATE
(APR)
Annual Percentage Rate
ANNUAL
PERCENTAGE
YIELD (APY)
Smart Saver Certificate$25090 days0.250.25
STEP-UP Certificate$50024 months1.651.66
SUPER Saver Certificate$1,0006 months
12 months
24 months
36 months
0.75
1.55
1.75
1.85
0.75
1.56
1.76
1.86
JUMBO Saver Certificate$100,0006 months
12 months
24 months
36 months
0.85
1.60
1.80
1.90
0.85
1.61
1.81
1.91
Certificate specials
$100018 months2.452.47

Checking and Savings
Accounts
BALANCE
REQUIRED
to earn dividend
DIVIDEND
RATE (APR)
Annual Percentage Rate
ANNUAL
PERCENTAGE
YIELD (APY)
MEMBERSHIP SAVINGS
Minimum $25 required on deposit.
This account is required to be a member.
"Once a Member, Always a Member"
$250.250.25
KIRBY KANGAROO SAVINGS
For children through age 13.
CLAIM YOUR YOUTH SAVINGS
For teens through age 18.
Minimum $25 required on deposit to maintain active membership.
$250.250.25
CHRISTMAS CLUB
No minimum deposit required.
Automatically disburses annually on October 1st.
Substantial penalty for early withdrawal.
$250.150.15
VACATION CLUB
No minimum deposit required.
No automatic disbursements.
Funds can be withdrawn at any time without penalty.
$250.150.15
INDIVIDUAL RETIREMENT ACCOUNT (IRA) SAVINGS
HEALTH SAVINGS ACCOUNT (HSA)
EDUCATION SAVINGS ACCOUNT (ESA)

No minimum deposit required.
$250.750.75
CHECKING ACCOUNT
No minimum deposit required. No monthly service charge, no per check fee.
Free MasterCard debit card, free online banking and bill payment.
$2,5000.050.05
MONEY MARKET
$2,500 minimum to invest.
No Annual Fee.
Variable Rates set and paid monthly based upon the Fed Funds.
6 withdrawals allowed per month with a maximum of 3 withdrawals by check.
$10 below minimum fee (if drops below $2,500).
$10 excessive withdrawal fee.
$0.00 - $2,499
$2,500 - $10,000
$10,001 - $25,000
$25,001 - $50,000
$50,001 and over
0.00
0.45
0.50
0.55
0.60
0.00
0.45
0.50
0.55
0.60

All Rates are effective as of 2/01/2019 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent rates.

Loan TypeTermAnnual Percentage Rate (APR)
NEW OR USED AUTO LOANS
Ask about our "Green" Auto Loan Rates!
Don't forget that we meet or beat your current auto loan rates with other financial institutions!
36 months2.89%*
48 months3.14%*
60 months3.39%*
72 months
$15,000 minimum
4.45%*
84 months
$25,000 minimum
4.70%*
RECREATIONAL VEHICLES
Includes boats, campers, RVs, 4-wheelers or any vehicle used strictly for recreation
36 months5.65%*
60 months6.15%*
72 months
$20,000 minimum
6.40%*
84 months
$30,000 minimum
6.65%*
96 months
$50,000 minimum
7.75%*
MASTERCARD CREDIT CARD
No annual fee.
25-day grace period for purchases.

Balance transfers: We pay YOU $10 per transfer up to $50
Revolving line of credit12.9% - Classic
10.9% - Gold**
**Minimum Line $10,000
PERSONAL LOANS
Rate is based on credit factors and loan amount and term
Max term
72 months
As low as 8.25%*
OVERDRAFT LINE OF CREDIT
Cover all your checking accounts at the credit union with one line of credit.

No fees or charges to maintain other than APR1 when the outstanding balance is owed.

1 Annual Percentage Rate
Revolving line of credit12.95%
14.95%
18.00%
SAVINGS AND CERTIFICATE SECURED LOANS
Borrow the money on deposit in your account or certificate
Savings Loan
Certificate Loan
Highest Dividend Rate +3.00%
Certificate Rate + 3.00%
HOME EQUITY LINE OF CREDIT
Variable rate changes quarterly based on Prime
Revolving line of creditAs low as 6.00%
All rates are based on credit factors; your rate may be higher.
*Rate includes Active Checking Account with net direct deposit, Auto Pay, Membership Reward discount AND Multiple Loan/Repeat Borrower discount. MasterCard Credit Cards, Overdraft Lines of Credit, Secured Loans, and Home Equity Lines of Credit are not eligible for discounts.
**All rates are based on card account type; your rate may be higher.

All fees are effective as of 2/01/2019 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent fees.

Savings Account

AccountFee
ACH Debit Return - 50% of the transaction, up to$29.00
Christmas Club Early Withdrawal Fee$20.00
Reg D Savings Withdrawal (After 6 Savings Withdrawals per month)$5.00

Checking Account

AccountFee
Money Market Below Minimum$10.00
Money Market Excessive Withdrawals$10.00
ACH Debit or Check Return-Insufficient Funds Fee -
50% of the transaction, up to
$29.00
Debit Card (new)Free
Debit Card (replacement)$10.00
Debit Card ATM Checking WithdrawalFree
Returned Check - NSF/Held Funds-Insufficient Funds Fee
50% of the transaction, up to
$29.00
Paid Check or Debit Courtesy Pay Fee - 50% of the transaction, up to$28.00
Manual Check (per day)$5.00
Overdraft from Savings$5.00
Overdraft from LoanFree
Stop Payment $29.00
Cancelled Check CopyFree
Check Printing OrderStarting at $10.17

Other Fees and Charges

AccountFee
Account Reconcilement Per Hour$10.00
ACH One-Time Debit/Credit$5.00
Bank Wire (Domestic)$20.00
Bank Wire (Foreign)$45.00
Bank Wire (Incoming)Free
Bill Payment Enrollment FeeFree
Bill Payment (per month)Free
CU Service Center TransactionFree
Dormancy Fee Per Month$5.00
Express MailStarting at $15.00
Express Mail - SaturdayStarting at $25.00
Express Mail - InternationalStarting at $80.00
Foreign Transaction Fee - Up to 3% of the transaction AmountVaries
Inactivity FeeUp to $25
Legal Order Processing Fee$75.00
Loan Origination Fee$50.00
Loan Skip-a-Pay Fee (December half goes to charity)$25.00
Official Check Issuance (>3 per day)$1.00 each
Official Check Stop Payment$29.00
Official Check Void/Redeposit Fee$5.00 each
Online Banking AccessFree
Invalid Address Notification$10.00
Research Fee Per Hour$25.00
Returned Deposit Item$25.00
Statement Copy$3.00
Subordination Fee$50.00
Visa Gift Cards$3.00
Western UnionStarting at $18.00
Early Membership Closure Fee - 1st 90 days$15.00
Re-Open Membership within 6 months$25.00
e-Statements (e-Documents)Free
Individual Retirement Transaction FeeFree
Notary Service for membersFree
ACH DepositsFree
ACH WithdrawalsFree
Safe Deposit Annual RentalVaries with size
Lost Safe Deposit KeyStarting at $20.00
Safe Deposit Box DrillingStarting at $150.00
Safe Deposit Late Rental Payment Fee$15.00
Fax / Copier Use - Per Page$0.25
Coin Machine for Members1% of the deposited amount

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