SHARE TYPES

Effective Date –  March 1, 2024

Account Type Minimum
Dividend Earning
Amount
Dividend
Rate
APY* Stipulations
Regular Shares $25-$999.99 .01 .01 Minimum $5 to open an account
Regular Shares $1,000-4,999.99 .05 .05 Minimum $5 to open an account
Regular Shares $5,000-24,999.99 .07 .07 Minimum $5 to open an account
Regular Shares $25,000+ .10 .10 Minimum $5 to open an account
PMA $2500-14,999.99 .25 .25 See disclosure for additional information
PMA $15,000-$29,999.99 .30 .30 See disclosure for additional information
PMA $30,000-$74,999.99 .53 .53 See disclosure for additional information
PMA $75,000 + 1.04 1.04 See disclosure for additional information
Kirby Kangaroo Club $25-$999.99 .01 .01 Minimum $5 to open an account
Kirby Kangaroo Club $1,000-4,999.99 .05 .05 Minimum $5 to open an account
Kirby Kangaroo Club $5,000-24,999.99 .07 .07 Minimum $5 to open an account
Kirby Kangaroo Club $25,000+ .10 .10 Minimum $5 to open an account
IRA (Traditional, Roth) $25 + .25 .25 Minimum $5 to open an account
ESA (Coverdell) $25 + .50 .50 Minimum $5 to open an account
Christmas Club $25 + .05 .05 Minimum $5 to open an account
Vacation Club $25-$999.99 .01 .01 Minimum $5 to open an account
Vacation Club $1,000-4,999.99 .05 .05 Minimum $5 to open an account
Vacation Club $5,000-24,999.99 .07 .07 Minimum $5 to open an account
Vacation Club $25,000+ .10 .10 Minimum $5 to open an account

SHARE CERTIFICATE RATES

Effective Date –  May 30, 2023

Term Amount Dividend Rate APY*
6-11 Months $2500 + 1.05 1.06
12 Month $2500 + 1.25  1.26
24 Month $2500 + 1.50  1.51
36 Month $2500 + 1.75 1.76
48 Month $2500 + 2.00 2.02
12-Month
Save to Win
$25 + .15 .15

Rates are subject to change without notice.  Certificate rates and yields are based on a quarterly dividend.
*APY = Annual Percentage Yield.  Federally insured by the NCUA.

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