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Rates

Certificate of Deposit

Term APY*
6 Months .30%
12 Months .50%
18 Months .50%
24 Months 1.11%
30 Months SPECIAL 1.83%
36 Months 1.11%
48 Months 1.26%
60 Months 1.76%
Minimum balance of $500 required to earn dividends.
*APY: Annual Percentage Yield
Rates are subject to change without notice. Minimum term 6 mos. Penalty for early withdrawal.
Please call 563-388-8328 for current rates. Updated 8/1/17

Real Estate Loans

Mortgage Loan Types/Details

1st Mortgage

Please call Adam Lounsberry, Mortgage Specialist, for today’s rates at (563) 388-8328 ext. 9415

  • 30 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 20 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 15 Year Fixed (Secondary Market and will be re-sold) Rate: Rates change daily
  • 15 Year Fixed (In-House) Rate: 3.79% (4.048% APR)**
  • 5/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 3.75% (3.906% APR)**
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) Rate: 4.00% (4.148% APR)**
  • 10/1 ARM^(In-House Adjustable-Rate Mortgage) In-house 97% Financing Rate: 4.50% (4.652%APR)**

Payments Per Thousand Borrowed:

  • 30 Year Fixed (Secondary Market): $4.99
  • 15 Year Fixed (Secondary Market): $7.27
  • 15 Year Fixed (In-House): $7.29
  • 5/1 ARM^: $4.63
  • 10/1 ARM^: $4.77
  • In-house 97% Financing: $5.07

Variable Rate Home Equity Loans^

  • 15 Year HELOC (In-House) Rate: 3.50%

Fixed Rate Home Equity Loans for less than 60 months

  • Rate: 2.99%

Fixed Rate Home Equity Loans for longer than 60 Months

  • Rate: 3.95% (3.70% if you have a TFCU Mortgage)

Home Improvement Loans

  • Rate: 8.25% up to 60 months , $7,500
Rates quoted are subject to change without notice and are known to change several times per day. Mortgage rates are provided as a sampling of what rates are, using a scenario of a $125,000 purchase, 20% down, the loan amount of $100,00, with good credit (lower down payment options available). Closing costs, real estate taxes and property or flood insurance, if required, are not included. Rates may vary, based on loan amounts, subject property, loan qualification, credit scores and other variables.
^APR may increase after consummation of the loan. All loans are subject to approval. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions.1st Mortgage Rates updated 01/08/16. All other rates updated 8/01/17**These in-house products qualify for our First Time Home buyers Program which entitles members to $250.00 off closing costs, counseling which covers 1 required trade line.

Savings Rates

Share Minimum Balance Requirement* APY*
Regular Shares $100 – $2,000 .15%
Regular Shares $2,000 .20%
CU Succeed Teen Club $100 .15%
Kirby Kangaroo Club $100 .15%
Tiered Accounts
Balances to earn dividends up to $1,500 – $24,999 .30%
Balances to earn dividends up to $25,000 – $49,999 .40%
Balances to earn dividends up to $50,000 – $99,999 .50%
Balances to earn dividends over $100,000 .55%
Christmas Club $100 .15%
Health Savings .20%
Thrift Shares $100 .15%
*Minimum balance required to earn dividends
APY: Annual Percentage Yield. Cccurate as of 1/1/2014. Minimum daily balance to earn must be maintained each day to get this APY. Dividends are calculated daily and credited and compounded monthly. Rates, terms, and conditions are subject to change without notice. Available to small business and member accounts only.
TIA quoted is: Interest “As High As”
1/1/2014

Checking Accounts

Share *Minimum Requirement to earn dividends APY*
Share Draft Accounts $2,500 0.05%
*Minimum balance required to earn dividends
APY: Annual Percentage Yield
Rates accurate as of 1/1/2014

Vehicle Loans

Loan APR% As Low As**
New & Used Vehicles &
Trucks*
2014 – 2017
1.99% up to 48 months

2.29% up to 60 months. (72 months available on lower mileage vehicles)

4.29% (84 months)
New & Used Vehicles * 2010 – 2013 2.74% (72 months available)
Used Vehicles*
2009 and older
4.24%
New & Used Boats, RVs,
Campers, Motorcycles*
2014 – 2017
2.99%
Used Boats, RVs,
Campers, Motorcycles*
2013 and older
4.24%
Updated 8/1/17
**Effective 8/01/17. Rates are stated as annual percentage rates (APR).
*Fixed APR for up to 60 months includes a 10% down payment. For a $15,000 auto loan with a term of 60 months and 2.29% APR, the monthly payment will be $265.
LIFE member loans could include an additional .20% discount off.
All loans are subject to approval and may vary based on creditworthiness, qualifications and collateral conditions.
Rates are based on loans of $2,500 or more. Loans for less than $2,500 will be granted at Signature Rates. Rates are subject to change without notice. Please call for current rates.