Our Rates
Rates up to date as of November 18, 2022. Rates subject to change without notice.
Regular Shares and Escrow Accounts
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.100% | 0.100% |
| $1,000 - $49,999 | 0.100% | 0.100% |
| $50,000 and Greater | 0.100% | 0.100% |
- APY = annual percentage yield.
GoldStar® Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Youth Accounts (Kirby Kangaroo and Claim Your Youth)
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.150% | 0.150% |
| $1,000 - $49,999 | 0.150% | 0.150% |
| $50,000 and Greater | 0.150% | 0.150% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
- Each member is only allowed one primary share account. Minimum required account balance may be different than the minimum rate balance listed above.
Business Share Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $50 - $999 | 0.125% | 0.125% |
| $1,000 - $49,999 | 0.125% | 0.125% |
| $50,000 and Greater | 0.125% | 0.125% |
- APY = annual percentage yield.
IRA Shares
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $1 and Greater | 0.499% | 0.500% |
- APY = annual percentage yield.
Club Account
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.100% | 0.100% |
- APY = annual percentage yield.
Non-Interest Bearing
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $25 | 0.000% | 0.000% |
- APY = annual percentage yield.
Share Draft Accounts
| Account Type | Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|---|
| Regular Share Draft | $500 | 0.050% | 0.050% |
| FreshStart Share Draft 2 | $500 | 0.000% | 0.000% |
| ATM Share Draft | $500 | 0.000% | 0.000% |
| Business Basic Share Draft | $500 | 0.050% | 0.050% |
| Business Premier Share Draft | $500 | 0.200% | 0.200% |
| GoldStar® Share Draft 2 | $500 | 0.100% | 0.100% |
| Empowered Checking | $500 | 0.000% | 0.000% |
- APY = annual percentage yield.
- Additional requirements apply for Youth and GoldStar® accounts.
Money Market
| Minimum Balance | Dividend Rate | APY 1 |
|---|---|---|
| $0 - $999 | 0.000% | 0.000% |
| $1,000 - $4,999 | 1.490% | 1.500% |
| $5,000 - $9,999 | 1.588% | 1.600% |
| $10,000 - $24,999 | 1.785% | 1.800% |
| $25,000 - $49,999 | 1.884% | 1.900% |
| $50,000 - $99,999 | 1.982% | 2.000% |
| $100,000 and Greater | 2.178% | 2.200% |
- APY = annual percentage yield.
Share Certificates, IRA Certificates, and Dedicated Saver Certificates
| Term | Minimum Balance 1 | Dividend Rate | APY 2 |
|---|---|---|---|
| 6 Months | $500.00 | 3.445% | 3.500% |
| 12 Months | $500.00 | 3.445% | 3.500% |
| 18 Months | $500.00 | 3.687% | 3.750% |
| 24 Months | $500.00 | 3.929% | 4.000% |
| 36 Months 3 | $500.00 | 4.025% | 4.100% |
| 48 Months 3 | $500.00 | 4.025% | 4.100% |
| 60 Months 3 | $500.00 | 4.025% | 4.100% |
- Dedicated Saver Certificates have $5.00 minimum balance, and require automatic transfer deposits of at least $5.00 monthly.
- APY = annual percentage yield.
- 36 to 60 months regular certificates (excludes Dedicated Saver certificates) have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.100% APR (see Certificate Modifiers below).
Share Certificate Membership Programs 1
| Account Type | Minimum Balance | Share Certificate Term | APR 2 |
|---|---|---|---|
| GoldStar® Member Rewards Program | Any | Any | Additional 0.100% |
| Youth Accounts | Under $500.00 | Any Dedicated Saver Certificate | Additional 0.100% |
| Youth Accounts | $500.00 or More | Any | Additional 0.150% |
- Only one Membership Program is allowed per certificate.
- APR = annual percentage rate.
Share Certificate Modifiers 1
| Account Type | Minimum Balance | Share Certificate Term | APR 2 |
|---|---|---|---|
| IRA Transfer Special 3 | Any | Any | Additional 0.100% |
| Jumbo Certificates | $75,000.00 or More | Any 4 | Additional 0.100% |
| Waiver of Bump Option 5 | Any | 36, 48, 60 month 4 | Additional 0.100% |
- Only one Modifier is allowed per certificate.
- APR = annual percentage rate.
- Must be funds transferred to the credit union from another institution.
- Excludes Dedicated Saver Certificates.
- 36 to 60 months regular certificates (excludes Dedicated Saver certificates) have a “Bump Option,” allowing a one-time rate change (to current published rates) during the life of the certificate. The bump can be waived up front in exchange for an additional 0.100% APR.
- With postcard/email, up to 30 days after join date anniversary.
Auto Loan
| Account Type | Term | APR 13 |
|---|---|---|
| New Vehicle | Up to 84 Months | 5.49% 60 months2 |
| Used Vehicle | Up to 84 Months | 5.49% 60 months2 |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
- Rates may be adjusted for year of vehicle.
Credit Cards
| Account Type | APR 1 |
|---|---|
| VISA Platinum | 9.90% 2 |
| Cash Back VISA | 12.90% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Minimum limit is $500.00 unless part of a promotional program.
Boats & RV Loan
| Balance | Term | APR 123 |
|---|---|---|
| Under $25,000 | Up to 84 Months | 6.74% |
| $25,000 and Greater | Up to 144 Months | 7.74% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Motorcycle, 4-wheeler, Jet-Ski
| Balance | Term | APR 123 |
|---|---|---|
| Under $25,000 | Up to 84 Months | 6.74% |
| $25,000 and Greater | Up to 144 Months | 7.74% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- Rates may be adjusted for year of vehicle.
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Share Secured Loan
| Term | APR |
|---|---|
| 12 Months | 3.00% 1 |
| 24 Months | 3.25% 1 |
| 36 Months | 3.50% 1 |
| 48 Months | 3.75% 1 |
| 60 - 120 Months | 4.00% 1 |
| Visa Credit Card Share Secured | 9.90% |
- Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.
Overdraft Line of Credit
| Account Type | APR 1 |
|---|---|
| Overdraft Line of Credit | 18.00% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Personal Loan
| Account Type | Term | APR 1 |
|---|---|---|
| Personal Loan | Up to 60 Months | 9.24%2 |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
Mortgages-Conforming
| Account Type | Rate | APR 1 |
|---|---|---|
| 30 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 20 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 15 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Mortgages-Mini ($250,000 or less)
| Account Type | Rate | APR 1 |
|---|---|---|
| 5 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 7 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
| 10 Year Fixed | *Call 801-838-8810 for mortgage info | *Call 801-838-8810 for mortgage info |
Home Equity (Fixed 2nd)
| Account Type | Term | APR 1 |
|---|---|---|
| Home Equity Line of Credit | Call 801-838-8810 for mortgage info | Call 801-838-8810 for mortgage info |
| Home Equity | 5 Year | Call 801-838-8810 for mortgage info |
| Home Equity | 10 Year | Call 801-838-8810 for mortgage info |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
Lot Loan
| Account Type | APR 1 |
|---|---|
| Improved Lot Loan | 7.00% 2 |
| Unimproved Lot Loan | 8.50% 2 |
- Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
- 40% down, term based off credit rating.
Construction Loan
| Account Type | APR 1 |
|---|---|
| Construction Loan | 6.25% 2 |
- Rates and financing are based on applicant's credit worthiness and the term of the loan.
- Loan to Cost = 90%, Loan to Value = 80% Fixed Rate, Term of 1 Year
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