RATES
All Rates are effective as of 11/01/2019 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 | TERM | DIVIDEND RATE (APR) Annual Percentage Rate | ANNUAL PERCENTAGE YIELD (APY) |
|---|---|---|---|---|
| Smart Saver Certificate | $250 | 90 days | 0.25 | 0.25 |
| STEP-UP Certificate | $500 | 24 months | 1.65 | 1.66 |
| SUPER Saver Certificate | $1,000 | 6 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 | $100,000 | 6 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 | $1000 | 18 months | 2.25 | 2.27 |
| 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 | 0.25 | 0.25 |
| 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. | $25 | 0.25 | 0.25 |
| CHRISTMAS CLUB No minimum deposit required. Automatically disburses annually on October 1st. Substantial penalty for early withdrawal. | $25 | 0.15 | 0.15 |
| VACATION CLUB No minimum deposit required. No automatic disbursements. Funds can be withdrawn at any time without penalty. | $25 | 0.15 | 0.15 |
| INDIVIDUAL RETIREMENT ACCOUNT (IRA) SAVINGS HEALTH SAVINGS ACCOUNT (HSA) EDUCATION SAVINGS ACCOUNT (ESA) No minimum deposit required. | $25 | 0.75 | 0.75 |
| CHECKING ACCOUNT No minimum deposit required. No monthly service charge, no per check fee. Free MasterCard debit card, free online banking and bill payment. | $2,500 | 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 0.45 0.50 0.55 0.60 | 0.00 0.45 0.50 0.55 0.60 |
All Rates are effective as of 11/01/2019 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 | 2.89%* |
| 48 months | 3.14%* | |
| 60 months | 3.39%* | |
| 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 months | 5.65%* |
| 60 months | 6.15%* | |
| 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 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 7.25%* |
| 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 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 4.75% |
| 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 11/01/2019 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 - 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
| 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 | $29.00 |
| 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 | $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 Loan | Free |
| Stop Payment | $29.00 |
| Cancelled Check Copy | Free |
| Check Printing Order | Starting at $10.17 |
Other Fees and Charges
| Account | Fee |
|---|---|
| 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 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 $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 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 |
| Western Union | Starting 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 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 |