Certificates

Certificates — Effective as of 02/01/2017

ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings.

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Months $1,000 0.25% 0.25%
6 Months $1,000 0.35% 0.35%
12 Months $1,000 0.45% 0.45%
18 Months $1000 0.50% 0.50%
24 Months $1,000 0.70% 0.70%
30 Months $1,000 1.00% 1.00%
36 Months $1,000 1.00% 1.00%
48 Months $1,000 1.20% 1.21%
60 Months $1,000 1.50% 1.51%

Jumbo Certificates — Effective as of 02/01/2017

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Fees may reduce earnings. May be tax deductible, please consult your tax advisor.

Certificate Type Balance Dividend Rate APY
3 Months $25,000 0.35% 0.35%
6 Months $25,000 0.45% 0.45%
12 Months $25,000 0.55% 0.55%
18 Months $25,000 0.60% 0.60%
24 Months $25,000 0.80% 0.80%
30 Months $25,000 1.10% 1.11%
36 Months $25,000 1.10% 1.11%
48 Months $25,000 1.30% 1.31%
60 Months $25,000 1.60% 1.61%

1st Certificates — Effective as of 02/01/2017

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings. 1st Certificate available to members ages 13 through 24.

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Month $250 0.25% 0.25%
6 Month $250 0.35% 0.35%
12 Month $250 0.45% 0.45%
18 Month $250 0.50% 0.50%
24 Month $250 0.70% 0.70%
30 Month $250 1.00% 1.00%
36 Month $250 1.00% 1.00%
48 Month $250 1.20% 1.21%
60 Month $250 1.50% 1.51%

Kirby Kid Certificates — Effective as of 02/01/2017

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Substantial penalty for early withdrawal of principal. Fees may reduce earnings. 2 Kirby Kids certificate available to members enrolled in the Kirby Kids program (ages 12 & under).

Certificate Type Minimum Opening Deposit Dividend Rate APY
3 Month $500 0.25% 0.25%
6 Month $500 0.35% 0.35%
12 Month $500 0.45% 0.45%
18 Month $500 0.50% 0.50%
24 Month $500 0.70% 0.70%
30 Month $500 1.00% 1.00%
36 Month $500 1.00% 1.00%
48 Month $500 1.20% 1.21%
60 Month $500 1.50% 1.51%

IRA Certificates — Effective as of 02/01/2017

1 ANNUAL PERCENTAGE YIELD. All rates are subject to change. Fees may reduce earnings. May be tax deductible, please consult your tax advisor.

Effective 02/01/2017 Balance Dividend Rate APY1
IRA Certificates
3 months $500 0.25% 0.25%
3 months $25,000 0.35% 0.35%
6 months $500 0.35% 0.35%
6 months $25,000 0.45% 0.45%
12 months $500 0.45% 0.45%
12 months $25,000 0.55% 0.55%
18 months $500 0.50% 0.50%
18 months $25,000 0.60% 0.60%
24 months $500 0.70% 0.70%
24 months $25,000 0.80% 0.80%
30 months $500 1.00% 1.00%
30 months $25,000 1.10% 1.11%
36 months $500 1.00% 1.00%
36 months $25,000 1.10% 1.11%
48 months $500 1.20% 1.21%
48 months $25,000 1.30% 1.31%
60 months $500 1.50% 1.51%
60 months $25,000 1.60% 1.61%