Our Rates

Rates up to date as of December 18, 2023. Rates subject to change without notice.

Regular Shares and Escrow Accounts

Minimum BalanceDividend RateAPY 1
$50 - $9990.100%0.100%
$1,000 - $49,9990.100%0.100%
$50,000 and Greater0.100%0.100%
  1. APY = annual percentage yield.

GoldStar® Shares

Minimum BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Youth Accounts (Kirby Kangaroo and Claim Your Youth)

Minimum BalanceDividend RateAPY 1
$50 - $9990.150%0.150%
$1,000 - $49,9990.150%0.150%
$50,000 and Greater0.150%0.150%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.
  3. 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 BalanceDividend RateAPY 1
$50 - $9990.125%0.125%
$1,000 - $49,9990.125%0.125%
$50,000 and Greater0.125%0.125%
  1. APY = annual percentage yield.

IRA Shares

Minimum BalanceDividend RateAPY 1
$1 and Greater0.499%0.500%
  1. APY = annual percentage yield.

Club Account

Minimum BalanceDividend RateAPY 1
$250.100%0.100%
  1. APY = annual percentage yield.

Non-Interest Bearing

Minimum BalanceDividend RateAPY 1
$250.000%0.000%
  1. APY = annual percentage yield.

Share Draft Accounts

Account TypeMinimum BalanceDividend RateAPY 1
Regular Share Draft$5000.050%0.050%
FreshStart Share Draft 2$5000.000%0.000%
ATM Share Draft$5000.000%0.000%
Business Basic Share Draft$5000.050%0.050%
Business Premier Share Draft$5000.200%0.200%
GoldStar® Share Draft 2$5000.100%0.100%
Empowered Checking$5000.000%0.000%
  1. APY = annual percentage yield.
  2. Additional requirements apply for Youth and GoldStar® accounts.

Money Market

Minimum BalanceDividend RateAPY 1
$0 - $9990.000%0.000%
$1,000 - $4,9991.490%1.500%
$5,000 - $9,9991.588%1.600%
$10,000 - $24,9991.982%2.000%
$25,000 - $49,9992.227%2.250%
$50,000 - $99,9992.618%2.650%
$100,000 - $249,9993.203%3.250%
$250,000 and Greater3.929%4.000%
  1. APY = annual percentage yield.

GoldStar® Jumbo Certificates and GoldStar® IRA Jumbo Certificates

TermMinimum BalanceDividend RateAPY1
6 Month Jumbo GoldStar® 2$100,000.005.223%5.350%
10 Month Jumbo GoldStar®
(Limited Time Special) 2
$100,000.005.366%5.500%
12 Month Jumbo GoldStar® 2$100,000.004.985%5.100%
18 Month Jumbo GoldStar® 2$100,000.004.410%4.500%
24 Month Jumbo GoldStar® 2$100,000.004.410%4.500%
36 Month Jumbo GoldStar® 2$100,000.004.218%4.300%
48 Month Jumbo GoldStar® 2$100,000.004.025%4.100%
60 Month Jumbo GoldStar® 2$100,000.004.025%4.100%
  1. APY = annual percentage yield.
  2. Requires membership in the GoldStar® Member Rewards Program.

GoldStar® Certificates and GoldStar® IRA Certificates

TermMinimum BalanceDedicated Saver1
Minimum Balance
Dividend RateAPY2
6 Month GoldStar® 3$500.00$5.005.128%5.250%
10 Month GoldStar®
(Limited Time Special) 3
$500.00Not Applicable45.366%5.500%
12 Month GoldStar® 3$500.00$5.004.889%5.000%
18 Month GoldStar® 3$500.00$5.004.314%4.400%
24 Month GoldStar® 3$500.00$5.004.314%4.400%
36 Month GoldStar® 3$500.00$5.004.121%4.200%
48 Month GoldStar® 3$500.00$5.003.929%4.000%
60 Month GoldStar® 3$500.00$5.003.929%4.000%
  1. Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
  2. APY = annual percentage yield.
  3. Requires membership in the GoldStar® Member Rewards Program.
  4. The 10 Month Specials are only available on Regular Certificates, not Dedicated Saver Certificates.

Regular, Youth, and IRA Jumbo Certificates

TermMinimum BalanceDividend RateAPY1
6 Month Jumbo$100,000.005.128%5.250%
10 Month Jumbo (Limited Time Special)$100,000.005.366%5.500%
12 Month Jumbo$100,000.004.889%5.000%
18 Month Jumbo$100,000.004.314%4.400%
24 Month Jumbo$100,000.004.314%4.400%
36 Month Jumbo$100,000.004.121%4.200%
48 Month Jumbo$100,000.003.929%4.000%
60 Month Jumbo$100,000.003.929%4.000%
  1. APY = annual percentage yield.

Regular, Youth, and IRA Certificates

TermMinimum BalanceDedicated Saver1
Minimum Balance
Dividend RateAPY2
6 Month$500.00$5.005.032%5.150%
10 Months (Limited Time Special)$500.00Not Applicable35.366%5.500%
12 Month$500.00$5.004.793%4.900%
18 Month$500.00$5.004.218%4.300%
24 Month$500.00$5.004.218%4.300%
36 Month$500.00$5.004.025%4.100%
48 Month$500.00$5.003.832%3.900%
60 Month$500.00$5.003.832%3.900%
  1. Dedicated Saver Certificates require automatic transfer deposits of at least $5.00 monthly.
  2. APY = annual percentage yield.
  3. The 10 Month Special is only available on Regular Certificates, not Dedicated Saver Certificates.

Auto Loan

Account TypeTermAPR 13
New VehicleUp to 84 Months6.74% 60 months2
Used VehicleUp to 84 Months6.74% 60 months2
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.
  3. Rates may be adjusted for year of vehicle.

Credit Cards

Account TypeAPR 12
VISA Platinum9.90%
Cash Back VISA12.90%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Minimum limit is $500.00 unless part of a promotional program.

Boats & RV Loan

BalanceTermAPR 123
Under $25,000Up to 84 Months7.49%
$25,000 and GreaterUp to 144 Months8.49%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Rates may be adjusted for year of vehicle.
  3. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.

Motorcycle, 4-wheeler, Jet-Ski

BalanceTermAPR 123
Under $25,000Up to 84 Months7.49%
$25,000 and GreaterUp to 144 Months8.49%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. Rates may be adjusted for year of vehicle.
  3. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.

Share Secured Loan

TermAPR
12 Months3.00% 1 above savings rate
24 Months3.25% 1 above savings rate
36 Months3.50% 1 above savings rate
48 Months3.75% 1 above savings rate
60 - 120 Months4.00% 1 above savings rate
Visa Credit Card Share Secured9.90%
  1. Based on lowest share rate offered. Rate determined by Members current dividend rate of secured shares.

Overdraft Line of Credit

Account TypeAPR 1
Overdraft Line of Credit18.00%
  1. 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 TypeTermAPR 12
Personal LoanUp to 60 Months10.24%
  1. Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. GoldStar® Membership required, otherwise lowest rate is 0.25% APR higher. Longer terms will result in a higher rate.

Mortgages-Conforming

Account TypeRateAPR 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 TypeRateAPR 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 TypeTermAPR 1
Home Equity Line of CreditCall 801-838-8810 for mortgage infoCall 801-838-8810 for mortgage info
Home Equity5 YearCall 801-838-8810 for mortgage info
Home Equity10 YearCall 801-838-8810 for mortgage info
  1. 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 TypeAPR 1
Improved Lot Loan7.00% 2
Unimproved Lot Loan8.50% 2
  1. Rates and financing are offered based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
  2. 40% down, term based off credit rating.

Construction Loan

Account TypeAPR 1
Construction Loan6.25% 2
  1. Rates and financing are based on applicant's credit worthiness and the term of the loan.
  2. Loan to Cost = 90%, Loan to Value = 80% Fixed Rate, Term of 1 Year

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