Rates

Current Rates Effective March 4, 2014

Rates are subject to change without notice.   Please call 515-274-4100 for current rates.
View our current Fee Schedule.
Apply for a Loan  •  Apply for a Mortgage Loan

 

 

Share Accounts APY
Share Savings - Kirby and CU Succeed .15%
Christmas Club .15%
Vacation Club .15%
IRA Shares .85%
Checking Account ($500 and above)   .01%
Share Certificates APY
3 Month Certificate .40%
6 Month Certificate .50%
12 Month Certificate .70%
18 Month Certificate .90%
24 Month Certificate 1.00%
36 Month Certificate 1.05%
48 Month Certificate 1.10%
60 Month Certificate 1.20%
60 Month Certificate - $100,000 minimum 1.45%
Early withdrawal penalty applies to all Share Certificate accounts and the penalty imposed will reduce the APY.

Minimum deposit amount for 3 months is $1,000.  Minimum for all other certificate terms is $500.
Minimum opening deposit is $25 for Share Savings Account and the minimum balance to earn a dividend is $100. Minimum opening deposit and minimum balance to earn a dividend for Kirby and CU Succeed Accounts is $5.
Money Markets - $2,000 minimum APY
$2,000-$9,999.99 .20%
$10,000-$19,999.99 .35%
$20,000-$69,999.99  .40%
$70,000 and above  .45%

Minimum opening deposit and Minimum to earn dividend is $2,000.

APY = Annual Percentage Yield. All rates subject to change at any time without notice. Fee associated with share account could reduce the APY.

Did you know you can ask for EdCo financing right at the dealer's office?
Loan Max Financed Term Rate (APR)
Auto Loan 2014-2012 Purchase or NADA Loan Value
84 Mo.
72 Mo.
60 Mo.
48 Mo.
36 Mo.
As low as: 3.29%
As low as: 2.94%
As low as: 2.59%
As low as: 2.24%
As low as: 1.89%
Auto Loan 2009-2011 Purchase or NADA Loan Value
72 Mo.
60 Mo.
48 Mo.
36 Mo.
24 Mo.
As low as: 3.65%
 As low as: 3.30% 
As low as: 2.95%
As low as: 2.60%
As low as: 2.25% 
2008 and older
 
Purchase or NADA Loan Value  60 Mo. 
 48 Mo.
 36 Mo.
 24 Mo. 
As low as: 4.04%
As low as: 3.69%
As low as: 3.34%
 As low as: 2.99% 
Call the loan department at 274-4100 for details       

 

Loan Max Financed Term Rate (APR)
Home Equity 80% LTV 180 Mo. Variable Rate As low as: 4.00%
Home Equity 81% - 90% LTV 180 Mo. Variable Rate As low as: 5.50%
Home Equity

 

Purchase or Refinance

80% LTV

81% - 90% LTV

Call our loan officers

180 Mo./5 Year Balloon Fixed As low as: 5.50%
180 Mo./5 Year Balloon Fixed As low as: 6.50%

274-4100 x 235 or x 229

 

 

Loan Max Financed Term Rate (APR)
L30 Recreational Purchase or NADA Loan Value 72 Mo. As low as: 7.05%
L40 Share Secured Certificate Amount / Remaining Term 3 Mo.-36 Mo. 2.00% + Share Cert. Rate
L52 Overdraft Protection     8.50%

APR = Annual Percentage Rate. Loans subject to approval and your individual rate is based on credit history. Rates, terms and conditions are subject to change with out notice.  Additional account relationships discounts may be available. * 72 Months for $30,000 or higher on new vehicles only.