RATES

Deposit Rates
Loans
Fees & Charges

All Rates are effective as of 07/01/2020 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	TERM	DIVIDEND RATE (APR) Annual Percentage Rate	ANNUAL PERCENTAGE YIELD (APY)
STEP-UP Certificate	$500	24 months	0.60	0.60
SUPER Saver Certificate	$1,000	6 months 12 months 24 months 36 months 48 months (NEW!) 60 months (NEW!)	0.30 0.50 0.60 0.70 0.75 0.80	0.30 0.50 0.60 0.70 0.75 0.80
JUMBO Saver Certificate	$100,000	6 months 12 months 18 months 24 months 36 months 48 months (NEW!) 60 months (NEW!)	0.40 0.60 0.60 0.75 0.80 0.85 0.90	0.40 0.60 0.60 0.75 0.80 0.85 0.90
Certificate specials	$1000	18 months	0.60	0.60

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"	$25	0.10	0.10
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.	$25	0.10	0.10
CHRISTMAS CLUB No minimum deposit required. Automatically disburses annually on October 1st. Substantial penalty for early withdrawal.	$25	0.05	0.05
VACATION CLUB No minimum deposit required. No automatic disbursements. Funds can be withdrawn at any time without penalty.	$25	0.05	0.05
INDIVIDUAL RETIREMENT ACCOUNT (IRA) SAVINGS EDUCATION SAVINGS ACCOUNT (ESA)	$25	0.30	0.30
SAVINGS EDUCATION SAVINGS ACCOUNT (ESA)	$25	0.30	0.30
HEALTH SAVINGS ACCOUNT (HSA)	$25	0.20	0.20
CHECKING ACCOUNT No minimum deposit required. No monthly service charge, no per check fee. Free MasterCard debit card, free online banking and bill payment.	$2,500	0.05	0.05
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 0.35 0.40 0.45 0.50	0.00 0.35 0.40 0.45 0.50

All Rates are effective as of 7/01/2020 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent rates.

Loan Type	Term	Annual 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 months	3.24%*
	48 months	3.49%*
	60 months	3.74%*
	72 months $15,000 minimum	4.80%*
	84 months $25,000 minimum	5.05%*
RECREATIONAL VEHICLES Includes boats, campers, RVs, 4-wheelers or any vehicle used strictly for recreation	36 months	6.00%*
	60 months	6.50%*
	72 months $20,000 minimum	6.75%*
	84 months $30,000 minimum	7.00%*
	96 months $50,000 minimum	8.10%*
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 credit	13.40% - Classic 11.40% - 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 7.60%*
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 credit	12.95% 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 credit	As low as 4.50%
All rates are based on credit factors; your rate may be higher. *Rate includes Auto Pay 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 7/01/2020 but subject to change at any time.
Contact a Member Service Representative to confirm the most recent fees.

Savings Account

Account	Fee
ACH Debit Return up to	$30.00
Christmas Club Early Withdrawal Fee	$20.00
Reg D Savings Withdrawal (After 6 Savings Withdrawals per month)	$5.00

Checking Account

Account	Fee
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	$30.00
Debit Card (new)	Free
Debit Card (replacement)	$10.00
Debit Card ATM Checking Withdrawal	Free
Returned Check - NSF/Held Funds-Insufficient Funds Fee 50% of the transaction, up to	$30.00
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 Loan	Free
Stop Payment	$30.00
Cancelled Check Copy	Free
Check Printing Order	Starting at $9.05

Other Fees and Charges

Account	Fee
Account Reconcilement Per Hour	$15.00
ACH One-Time Debit/Credit	$5.00
Bank Wire (Domestic)	$20.00
Bank Wire (Foreign)	$45.00
Bank Wire (Incoming)	Free
Bill Payment Enrollment Fee	Free
Bill Payment (per month)	Free
CU Service Center Transaction	Free
Dormancy Fee Per Month	$5.00
Express Mail	Starting at $15.00
Express Mail - Saturday	Starting at $25.00
Express Mail - International	Starting at $80.00
Foreign Transaction Fee - Up to 3% of the transaction Amount	Varies
Inactivity Fee	Up to $50.00
Legal Order Processing Fee	$75.00
Loan Origination Fee	$50.00
Loan Skip-a-Pay Fee (30% of fees paid to charity)	$30.00
Official Check Issuance (>3 per day)	$1.00 each
Official Check Stop Payment	$30.00
Official Check Void/Redeposit Fee	$5.00 each
Online Banking Access	Free
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
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 Fee	Free
Notary Service for members	Free
ACH Deposits	Free
ACH Withdrawals	Free
Safe Deposit Annual Rental	Varies with size
Lost Safe Deposit Key	Starting at $20.00
Safe Deposit Box Drilling	Starting at $150.00
Safe Deposit Late Rental Payment Fee	$15.00
Fax / Copier Use - Per Page	$0.25
Coin Machine for Members	1% of the deposited amount

Savings Account

Checking Account

Other Fees and Charges

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