Share Certificates

*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. A monthly service charge of $20 with an average balance below $2500. Your account will be considered dormant/inactive if you do not make any transactions over 3 years.

Penalty for early withdrawal. Business term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term. Effective 02/10/25.

*Effective 03/03/2025.

*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may differ from that of another member on the same type of loan. Home Equity Loan property must be located within a 200-mile radius of a branch location. Effective  02/10/2025.

Penalty for early withdrawal.

Effective 02/10/2025.

Effective 09/01/23. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

• Have at least 12 check card purchases post and settle
• Enroll and receive e-statement notice
• Be enrolled and log into online banking

Effective 09/01/23. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:

• Have at least 12 check card purchases post and settle
• Enroll and receive e-statement notice
• Be enrolled and log into online banking

*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.

Term available based on credit score. Effective 03/03/2025.

*Effective 03/03/2025. Term available based on credit score.

*Small personal loans of $800 or less will incur a $20 application fee.

*Classic Auto may be financed up to 24 months, or longer with approval from President

*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.59% with $5,000.00 or more financed.

*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.

*If the term of the loan is extended, rates may be subject to a 1% APR increase.

*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.

*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.

*Effective 03/03/2025

*100-120% NADA Retail to qualified borrowers. Recreational vehicle refinance (external) is 2% lower than the current interest rate to a floor of 7.09% with $5,000.00 or more financed — effective 03/03/2025.

Regular Share Account and Business Share Account minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.

Dream Savings Accounts are those called -- for example  -- Special Savings, Vacation, Wedding, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month.

Dream Club Accounts are designed to save for year-end or holiday expenses. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. Every November, the full balance of account is withdrawn and paid to the member. The account remains open for continued savings into the next year. 

*Regular Share Account allows four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4) per month.

Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term.

JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.60%, JUMBO would pay 3.85% APY). Effective 02/10/25.

* Non-renewable.

Rate effective 01/01/2025

*Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.

Kirby Kangaroo and Youth Accounts - $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.

TUTMA Savings - $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.