Savings Rates
All rates are subject to change without notice. Your savings is insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government.
| Dividend Rate | APY(1) | Minimum Balance to Open | Minimum Average Daily Balance to Earn |
|
|---|---|---|---|---|
| Basic Share Account | 0.20% | 0.20% | $25 | $100 |
| Kirby Kangaroo Club | 0.20% | 0.20% | $25 | $10 |
| Christmas Club* | 0.20% | 0.20% | None(9) | $1 |
| Vacation Club* | 0.20% | 0.20% | None(9) | $1 |
| Money Market Savings* | 0.20% | 0.20% | $2,500 - $9,999(8) | $2,500 |
| 0.30% | 0.30% | $10,000 - $24,999 | $10,000 | |
| 0.35% | 0.35% | $25,000 - $49,999 | $25,000 | |
| 0.40% | 0.40% | $50,000 - $99,999 | $50,000 | |
| 0.50% | 0.50% | $100,000+ | $100,000 |
*Must have Basic Share Account with minimum balance of $25 to open these secondary accounts.
Disclosures (Apply to All Above)
(1) Dividend rate and annual percentage yield (APY) may change at any time, as determined by the credit union board of directors.
(2) Dividends will be compounded every month. Dividends will be credited to your account monthly.
(3) Dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. If you close your share account before dividends are paid, you will not receive the accrued dividends.
(4) Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle.
(5) Dividends will begin to accrue on the business day you place non-cash items (i.e., checks) to your account.
(6) During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephone order or instruction or by check, draft, debit card, or similar order to a third party. If you exceed the transfer limitations in any statement period, your account will be subject to closure by the credit union.
(7) Par value of a share is $25.00.
Additional Money Market Disclosures
(8) The minimum balance required to open this account is $2,500. The minimum deposit we allow is $100.00 per deposit. The minimum amount you may withdraw is $500.00 per withdrawal.
Additional Christmas Club Disclosures
(9) Withdrawals are permitted without penalty within the first seven days after the account is opened. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer, telephone order or instruction or similar order to a third party. You may make one withdrawal each calendar year. If an additional withdrawal is made during the calendar year a fee may be charged.
Additional Vacation Club Disclosures
Withdrawals are permitted without penalty within the first seven days after the account is opened. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. You may make one withdrawal each calendar year. If any additional withdrawal is made during the calendar year a fee may be charged.
