Our Rates
Rates up to date as of June 24, 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 | 0.250% | 0.250% |
- 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 | 1.045% | 1.050% |
$5,000 - $9,999 | 1.094% | 1.100% |
$10,000 - $24,999 | 1.144% | 1.150% |
$25,000 - $49,999 | 1.193% | 1.200% |
$50,000 - $99,999 | 1.243% | 1.250% |
$100,000 and Greater | 1.292% | 1.300% |
- APY = annual percentage yield.
Share Certificates, IRA Certificates, and Dedicated Saver Certificates
Term | Minimum Balance 1 | Dividend Rate | APY 2 |
---|---|---|---|
6 Months | $500.00 | 0.399% | 0.400% |
12 Months | $500.00 | 0.499% | 0.500% |
18 Months | $500.00 | 0.598% | 0.600% |
24 Months | $500.00 | 0.698% | 0.700% |
36 Months 3 | $500.00 | 0.797% | 0.800% |
48 Months 3 | $500.00 | 0.896% | 0.900% |
60 Months 3 | $500.00 | 1.243% | 1.250% |
- 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% |
Anniversary Postcard 6 | Any | Any | 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 | 2.24% 60 months2 |
Used Vehicle | Up to 84 Months | 2.24% 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 | 4.74% |
$25,000 and Greater | Up to 144 Months | 5.74% |
- 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 12 |
---|---|---|
Under $15,000 | Up to 84 Months | 5.49% |
$15,000 and Greater | Up to 144 Months | 6.49% |
- 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.
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.
Credit Builder Loan
Term | APR 1 |
---|---|
Up to 24 Months | 9.90% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
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 | 7.99% |
- Rates and financing are based on applicant’s credit worthiness and the term of the loan. Rates quoted are annual percentage rates (APR).
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 | 5.00% 2 |
Unimproved Lot Loan | 8.00% 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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