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Effective as of 11/20/2009 Rates are subject to change Passenger Vehicles (Cars, Trucks, & SUVs) Year Interest Rate Maximum Term Comments 2009 & 2008 5.50%* 60 Title Required 2009 & 2008 6.50%* 72 Title Required 2007 7.25%* 48 Title Required 2006 7.50%* 48 Title Required 2005 7.75%* 48 Title Required 2004 8.00%* 42 Title Required 2003 & Older 8.50-9.00%* 36 Up to trade in value Title Required *Denotes reflective loan pricing Recreational Vehicles (Boats, Cycles, Campers, Etc.) Year Interest Rate Maximum Term Comments 2009 8.00%* 60 Title Required 2008 9.25%* 48 Title Required 2007, 2006 & 2005 9.50%* 48 Title Required 2004, 2003 & 2002 9.75%* 42 Title Required Older 10.25%* 36 Up to trade in value Title Required *Denotes reflective loan pricing Additional Loans Type of Loan Interest Rate Maximum Term Comments Purch $ Loans 9.75%* 48 UCC Filing Required Home Equity - 60 MOS 5.50% 60 80% Assessed - 85% Appraised Home Equity - 120 MOS 7.75% 120 80% Assessed - 85% Appraised 50% Secured 11.00%* 36 Title Required Share Secured 4.50% 36 Pledged shares required CD Secured 3% Over   Remaining term of CD VISA 11.50% 5% of BAL   Unsecured 14.50%* 36   Single Pay Note 14.5%* 6 MOS Max. 1-6 MOS Renewal w/int paid ATM/Debit Line 15.00% 18 Checking Account Required Open End Line 11.50% 36 App updated every 18 MOS *Denotes reflective loan pricing back to the top Effective as of 11/20/2009 Rates are subject to change Share Accounts Average Daily Balance Over $100 Type Rate APY Basic Shares 0.25% 0.25% Holiday Club* 1.25% 1.25% Vacation Shares 0.25% 0.25% Kirby Kangaroo Club 0.25% 0.25% Miscellaneous Shares 0.25% 0.25% Escrow Club 0.25% 0.25% IRA Shares 0.50% 0.50% *Dividends will be compounded annually. Dividends will be credited to your account annually. Dividends calculated by the average daily balance method. Share Draft Account Average Daily Balance Balance Rate APY $2,000.01-$9,999.99 0.25% 0.25% $10,000.00-$24,999.99 0.50% 0.40% $25,000.00-$49,999.99 0.65% 0.50% $50,000.00- PLUS 0.85% 0.65% Dividends paid on your average daily balance if over $2000 average is maintained. back to the top Effective as of 11/20/2009 Rates are subject to change Certificates of Deposit and IRA Term Rate APY 3 Month CD 0.50% 0.51% 6 Month CD 0.70% 0.71% 12 Month CD 0.80% 0.81% 18 Month CD 1.00% 1.01% 24 Month CD 1.35% 1.36% 12 Month Roth IRA 1.00% 1.01% 18 Month Traditional IRA 1.25% 1.26% Rates are reviewed monthly. Automatic renewal at maturity at current rate. Dividends may be compounded or paid to share account. Notices of upcoming maturity will be mailed to you. back to the top Effective as of 11/20/2009 Fee Schedule ATM/Debit *VISA Check Card*   Initial Fee, at Approval - Per card ....................... $5.00 Each   Annual Maintenance Fee - Per card ....................... $5.00 Each   Replacement Card or P.I.N ....................... $5.00 Each   Automatic Overdraft Transfers ....................... $5.00 Each ATM Transactions   First 5 Transactions Per Month ....................... No Fee   Over 5 Per Month ....................... $0.50 Each   Transactions Outside of Iowa Transfer Systems ....................... $1.00 Each Checking   Maintain Minimum Balance of $100 for the Statement Period ....................... No Monthly Fee   Members 55 and Older ....................... No Monthly Fee   Balance Below $100 During Statement Period ....................... $3.00+ Tax   Stop Payment Fee ....................... $10.00/check   Non-Sufficient Funds ....................... $25.00 Each   Automatic Overdraft Transfers ....................... $5.00 Each   Photocopy of Paid Draft ....................... $2.00 Each   Returned Deposited Item ....................... $5.00 Each Share Accounts   Share Accounts Falls Below $25 Minimum Balance ....................... $2.00 Month   Opening New Account Within 30 days of Closure ....................... $5.00 ReOpen   Returned Statement Fee ....................... $2.00 VISA Credit Card   Overlimit Fee ....................... $10.00   Late Payment Fee ....................... $10.00 Month   Cash Advance Fee (ATM) ....................... $1.25 Each Other Services   Money Orders ....................... $0.75 Each   VISA Travel Card ....................... $5.00 Each   Cashiers Checks ....................... $1.00 Each   Third Party Checks - Issued ....................... $1.00 Each   Photocopies ....................... $1.00 Each   Dormant Account Fee (after 24 mos) ....................... $2.00 Month   Statement - Microfilm Copies ....................... $2.00 Per Pg.   Research of Accounts ....................... $10.00 Each   Account History Statements ....................... $1.00 Per Pg.   Wire Transfers: OUT - In States ....................... $10.00 Each   Wire Transfers: OVERSEAS ....................... $30.00 Each   Wire Transfers: INCOMING ....................... $5.00 Each   Check Cashing Fee (No charge if $100 Account Balance, using other services, OR direct deposit) ....................... $2.00 Each Closed Accounts Do Not Receive Accrued Dividends For The Month It Is Closed. back to the top