Savings Rates

Interest Rates Certified by Datatrac

 

Interest Rates Certified by Datatrac

Savings Product

Product Name	Rate	APY*
Regular Share Savings**	0.15	0.15
Kirby Savings	0.15	0.15
Christmas Club Accounts	1.25	1.26
Vacation Club Accounts	1.25	1.26
Escrow Accounts	0.20	0.20

Money Market Savings

$1000 to open/HSA Money Market Savings (no minimum)	Rate	APY*
$25 - $999.99	0.65	0.65
$1000.00 - $9999.99	0.75	0.75
$10,000.00 - $24,999.99	0.85	0.85
$25,000.00 - $99,999.99	2.05	2.07
$100,000.00 - $249,999.99	2.75	2.79
$250,000.00 or more	3.00	3.05

Share Certificates***

$1000 min. deposit	Rate	APY*
6 Month	1.25	1.26
12 Month	2.75	2.79
18 Month	3.00	3.05
24 Month	3.05	3.10
30 Month	3.05	3.10
36 Month	3.10	3.15
48 Month	3.30	3.35
60 Month	3.40	3.46

Youth Share Certificates

(Ages 0-17) - $250 min. deposit	Rate	APY*
3 Month	1.00	1.01
6 Month	1.25	1.26
12 Month	2.75	2.79
36 Month	3.10	3.15
48 Month	3.30	3.35
60 Month	3.40	3.46

IRA Share Certificates

IRA - $1000 min. deposit	Rate	APY*
Traditional / Roth and Education SAs
12 Month	2.75	2.79
18 Month	3.00	3.05
24 Month	3.05	3.10
30 Month	3.05	3.10
36 Month	3.10	3.15
48 Month	3.30	3.35
60 Month	3.40	3.46
IRA Share Accounts - Traditional / Roth and Education Sas	0.75	0.75

Checking Product

Product Name	Rate	APY*
Traditional Sharedraft (checking)	0.05	0.05
Membership Plus Sharedraft	0.05	0.05
Money Market Sharedraft (checking):
$25 - $999.99	0.45	0.45
$1,000.00 - $9999.99	0.50	0.50
$10,000.00 - $24,999.99	1.00	1.01
$25,000.00 - $99,999.99	1.25	1.26
$100,000.00 - $249,999.99	1.50	1.51
$250,000.00 or more	1.75	1.77

* Annual Percentage Yield

** Fees may reduce the earnings on these accounts

*** Early withdrawal will result in penalty (see terms and conditions of agreement)