Rates Shown Effective: 02.01.2020
Savings Product
| Product Name |
Rate |
APY* |
| Regular Share Savings** |
0.20 |
0.20 |
| Kirby Savings |
0.20 |
0.20 |
| Christmas Club Accounts |
0.75 |
0.75 |
| Vacation Club Accounts |
0.75 |
0.75 |
| Escrow Accounts |
0.17 |
0.17
|
Money Market Savings
| $1000 to open/HSA Money Market Savings (no minimum) |
Rate |
APY* |
| $25 - $999.99 |
0.30 |
0.30 |
| $1000.00 - $9999.99 |
0.30 |
0.30 |
| $10,000.00 - $24,999.99 |
0.45 |
0.45 |
| $25,000.00 or more |
0.70 |
0.70 |
Share Certificates***
| $1000 min. deposit |
Rate |
APY* |
| 6 Month |
1.00 |
1.01 |
| 12 Month |
1.60 |
1.61 |
| 18 Month |
1.60 |
1.61 |
| 24 Month |
1.70 |
1.71 |
| 30 Month |
1.75 |
1.77 |
| 36 Month |
1.80 |
1.82 |
| 48 Month |
1.90 |
1.92 |
| 60 Month |
1.95 |
1.97 |
Youth Share Certificates
| (Ages 0-17) - $250 min. deposit |
Rate |
APY* |
| 3 Month |
0.50 |
0.50 |
| 6 Month |
1.00 |
1.01 |
| 12 Month |
1.60 |
1.61 |
| 36 Month |
1.80 |
1.82 |
| 48 Month |
1.90 |
1.92 |
| 60 Month |
1.95 |
1.97 |
IRA Share Certificates
| IRA - $1000 min. deposit |
Rate |
APY* |
| Traditional / Roth and Education SAs |
|
|
| 12 Month |
1.60 |
1.61 |
| 18 Month |
1.60 |
1.61 |
| 24 Month |
1.70 |
1.71 |
| 30 Month |
1.75 |
1.77 |
| 36 Month |
1.80 |
1.82 |
| 48 Month |
1.90 |
1.92 |
| 60 Month |
1.95 |
1.97 |
| IRA Passbook Accounts - Traditional / Roth and Education Sas |
0.60 |
0.60 |
Checking Product
| Product Name |
Rate |
APY* |
| Traditional Sharedraft (checking) |
0.10 |
0.10 |
| Membership Plus Sharedraft |
0.10 |
0.10 |
| Money Market Sharedraft (checking): |
|
|
| $25 - $999.99 |
0.25 |
0.25 |
| $1,000.00 - $9999.99 |
0.25 |
0.25 |
| $10,000.00 - $24,999.99 |
0.45 |
0.45 |
| $25,000.00 or more |
0.65 |
0.65 |
* Annual Percentage Yield
** Fees may reduce the earnings on these accounts
*** Early withdrawal will result in penalty (see terms and conditions of agreement)