Deposit Rates

Savings

 

Savings
Savings Account Minimum Balance Dividend/Interest Rate APY*
Regular Shares $100 0.10% 0.10%
Kirby Kangaroo Shares $25 0.10% 0.10%
IRA Shares** $100 0.55% 0.55%
Super Bonus – Tier 1 $5,000 – $24,999 0.40% 0.40%
Super Bonus – Tier 2 $25,000 – $49,999 0.50% 0.50%
Super Bonus – Tier 3 $50,000 and over 0.60% 0.60%

Rates effective as of 6/29/2018 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

 

Share Certificates
Share Certificates Minimum Deposit Dividend/Interest Rate APY* Penalty
6-month $5,000 0.95% 0.95% 3 month
1-year (add-on)+ $500 0.95% 0.95% 3 month
1-year $5,000 1.30% 1.31% 3 month
Jumbo 13-month $25,000 1.60% 1.61% 6 month
18-month $5,000 1.40% 1.41% 6 month
30-month $5,000 1.65% 1.66% 6 month
5-year $5,000 2.35% 2.37% 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 6/29/2018 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

 

IRA Share Certificates
IRA Share Certificates Minimum Deposit Dividend/Interest Rate APY* Penalty
6-month $250 0.95% 0.95% 3 month
1-year $250 1.30% 1.31% 3 month
Jumbo 13-month $25,000 1.60% 1.61% 6 month
18-month $250 1.40% 1.41% 6 month
30-month $250 1.65% 1.66% 6 month
5-year $250 2.35% 2.37% 6 month

Rates effective as of 6/29/2018 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.