Deposit Rates

 

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 0.45% 0.45%
Super Bonus – Tier 1 $5,000 – $24,999 0.35% 0.35%
Super Bonus – Tier 2 $25,000 – $49,999 0.40% 0.40%
Super Bonus – Tier 3 $50,000 and over 0.50% 0.50%

Rates effective as of 1/1/2018 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 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 0.75% 0.75% 3 month
1-year (add-on)+ $500 0.75% 0.75% 3 month
1-year $5,000 1.10% 1.11% 3 month
Jumbo 13-month $25,000 1.40% 1.41% 6 month
18-month $5,000 1.20% 1.21% 6 month
30-month $5,000 1.45% 1.46% 6 month
5-year $5,000 2.05% 2.07% 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 1/1/2018 and subject to change without notice.  Share certificates are compounded quarterly.

*APY (annual percentage yield) assumes dividends remain in the account until maturity.  A withdrawal prior to maturity will reduce earnings.  To earn 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 0.75% 0.75% 3 month
1-year $250 1.10% 1.11% 3 month
Jumbo 13-month $25,000 1.40% 1.41% 6 month
18-month $250 1.20% 1.21% 6 month
30-month $250 1.45% 1.46% 6 month
5-year $250 2.05% 2.07% 6 month

Rates effective as of 1/1/2018 and subject to change without notice.  Individual retirement accounts are compounded quarterly.

*APY (annual percentage yield) assumes dividends remain in the account until maturity.  A withdrawal prior to maturity will reduce earnings.  To earn APY, the minimum balance must be maintained in the account every day.