Rates
Effective 3/01/10
APY = Annual Percentage Yield
Rates are subject to change without notice.
| Share Account Type | APY |
| Regular Savings | 0.25% |
| High Yield Savings* | |
| Under $25,000 | 0.35% |
| Over $25,000 | 1.00% |
| Individual Retirement Account | 0.25% |
| Money Market Checking Account* | 0.15% |
| Christmas Club | 0.25% |
| Vacation Club | 0.25% |
*High Yield Savings and Money Market Checking Accounts require a $1,000 minimum balance.
Term Share Certificate Rates
Effective 3/01/10
APY = Annual Percentage Yield
Rates are subject to change without notice, please verify rate at the time of purchase.
| Term | APY |
| 3 Months | 0.25% |
| 6 Months | 0.50% |
| 12 Months | 0.80% |
| 24 Months | 1.51% |
| 36 Months | 1.82% |
| 48 Months | 2.02% |
| 60 Months | 2.53% |
Rates based on term selected and on where purchased. Minimum $500.00 deposit required. Penalty for early withdrawal.
Youth Share Certificate Rates
| Term | APY |
| 12 month | 0.90% |
| 24 month | 1.61% |
| 36 month | 2.02% |
These Certificate Rates are only available to our youth club members 17 years old and younger. For details about these certificates, visit the club pages.
Loan Rates and Terms
Secured Loans
Rates effective 3/01/10
New and used cars, trucks and recreational vehicles.
APR=Annual Percentage Rate
Rates are subject to change without notice.
| Loan Type | APR as low as |
| New Autos & Trucks | 3.75% |
| Used Autos & Trucks | 4.24% |
| New Recreational Vehicles | 5.75% |
| Used Recreational Vehicles | 6.00% |
Your rate is based upon your credit score as provided by TransUnion. See the loan department for details.Other rates and terms available; call for information.
Share Secured Loans
Share Loans are provided at 3% Annual Percentage Rate over the Annual Percentage Yield of the account being pledged as collateral. Amortization over 36 months. Must balloon at 36 months.
Other Loans
Rates are subject to change without notice.
APR=Annual Percentage Rate
| Loan Type | Repayment | APR as low as |
| KC Cash Line of Credit | 3.0% of Balance** | Call 616-336-3490 or toll-free 888-336-3490 |
| Overdraft Protection | $3.50 per Hundred** | 18.00% |
| Closed End Unsecured | Max. 60 Months | 12.50% |
| VISA Classic | 2.5% of Balance** | 16.90% |
| VISA Platinum Signature | 1.5% of Balance** | 14.90% |
| VISA Platinum Preferred | 1.5% of Balance** | Call for current rate 616-336-3490 or 888-336-3490 |
| Home Equity LOC | See Loan Dept | Prime or Prime +.50% APR |
| Home Equity Term | Up to 180 Months | Call 616-336-3490 or toll-free 888-336-3490 |
Your rate is based upon your credit score as provided by TransUnion. See the loan department for details. ** Minimum payment is required, see CU for details.
