Savings Rates

The credit union offers competitive dividend rates for accounts such as our regular Share Savings Account, the Summer Pay Club, the Holiday Club, Money Market Account and on our various Share Certificates.

Savings Rates as of 5-1-2013

Type of Account	Prospective Annual Dividend Rate	Prospective Annual Percentage Yield
Regular Shares*	.10%	.10%
Kirby Kangaroo Club*	.10%	.10%
iSave Teen Club*	.10%	.10%
Summer Pay Club	.10%	.10%
Holiday Pay Club	.5%	.5%

The above dividends are computed on your daily balance and paid quarterly.

Money Market Savings	Prospective Annual Dividend Rate	Prospective Annual Percentage Yield
$2,000 - $9,999	.15%	.15%
$10,000 - $49,999	.20%	.20%
$50,000 and up	.25%	.25%

Money Market dividends are computed on your average daily balance and paid quarterly.

Share Certificate Rates	Prospective Annual Percentage Yield
1 Year Share Certificate** This certificate dividend is paid quarterly and transferred to your share savings account. Dividends will not be compounded.	.25%
2 Year Share Certificate** This certificate dividend is paid quarterly and transferred to your share savings account. Dividends will not be compounded.	.45%
3 Year Share Certificate** This certificate dividend is paid quarterly and transferred to your share savings account. Dividends will not be compounded.	.60%

Minimum deposit $1000.00, additional amounts in $500.00 increments. Penalties for early withdrawal apply.

* Initial share deposit and minimum balance requirement in primary share savings is $25.00.
Dividends are payable from current available earnings and cannot be guaranteed.

Rates are subject to change without notice.