|
|
Savings
|
Minimum Balance
|
Dividend/ Interest Rate
|
APY*
|
| Regular Shares |
$100 |
0.10% |
0.10% |
| Kirby Kangaroo Shares |
$25 |
0.10% |
0.10% |
| IRA Shares* |
$100 |
0.30% |
0.30% |
| Super Bonus-Tier 1 |
$5,000-$24,999 |
0.20% |
0.20% |
| Super Bonus-Tier 2 |
$25,000-$49,999 |
0.30% |
0.30% |
| Super Bonus-Tier 3 |
$50,000 and over |
0.40% |
0.40% |
Rates effective as of 12-12-2012 and subject to change without notice. Share accounts are compounded monthly. The APY (annual percentage yield) assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn the APY, the minimum balance must be maintained in the account every day. *IRA Share Accounts are compounded quarterly.
|
Share Certificates
|
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
Penalty
|
| 6-Month |
$5,000 |
0.30% |
0.30% |
3 Month |
| 1-Year (Add-On)+ |
$500 |
0.25% |
0.25% |
3 Month |
| 1-Year |
$5,000 |
0.50% |
0.50% |
3 Month |
| Jumbo 13-Month |
$25,000 |
0.60% |
0.60% |
6 Month |
| 18-Month |
$5,000 |
0.70% |
0.70% |
6 Month |
| 30-Month |
$5,000 |
0.90% |
0.90% |
6 Month |
| 5-Year |
$5,000 |
1.75% |
1.76% |
6 Month |
+Additions may be made any time during the certificate term at the original rate. Each addition must be at least $150. Total additions cannot exceed $10,000.
Rates effective as of 12-12-2012 and subject to change without notice. Share certificates are compounded quarterly. The APY (annual percentage yield) assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn the APY, the minimum balance must be maintained in the account every day.
|
IRA Share Certificates
|
Minimum Deposit
|
Dividend/ Interest Rate
|
APY*
|
Penalty
|
| 6-Month |
$250 |
0.30% |
0.30% |
3 Month |
| 1-Year |
$250 |
0.50% |
0.50% |
3 Month |
| Jumbo 13-Month |
$25,000 |
0.60% |
0.60% |
6 Month |
| 18-Month |
$250 |
0.70% |
0.70% |
6 Month |
| 30-Month |
$250 |
0.90% |
0.90% |
6 Month |
| 5-Year |
$250 |
1.75% |
1.76% |
6 Month |
Rates effective as of 12-12-2012 and subject to change without notice. Individual retirement accounts are compounded quarterly. The APY (annual percentage yield) assumes dividends remain in the account until maturity. A withdrawal prior to maturity will reduce earnings. To earn the APY, the minimum balance must be maintained in the account every day.
|
