Rates
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Dividend Rates Effective October 15, 2012.
Share Accounts
| Type |
Dividend Rate |
APY* |
Minimum to Open |
Minimum to earn Dividend |
Dividend Frequency |
| Regular Share |
0.300% - 1.004%
Depending on account balance. Call for details |
$25.00 |
$100.00 |
Monthly |
| Secondary Share |
0.300% - 1.004%
Depending on account balance. Call for details
|
N/A |
N/A |
Monthly |
Share Draft
(Checking)
|
0.25% |
0.25% |
N/A |
N/A |
Monthly |
| Money Market |
0.625% - 1.510%
Depending on account balance. Call for details
|
$1000 |
$1000 |
Monthly |
| Christmas Club |
0.250% |
0.250% |
N/A |
N/A |
Monthly |
| IRA Share |
1.250% |
1.257% |
$25.00 |
N/A |
Monthly |
| ROTH IRA |
1.250% |
1.257% |
$25.00 |
N/A |
Monthly |
| Education IRA |
1.250% |
1.257% |
$25.00 |
N/A |
Monthly |
*APY = Annual Percentage Yield. Dividends and annual percentage yields may change monthly as determined by the Board of Directors. For Regular Share (Savings) accounts to earn a dividend, members must maintain an average daily balance of $100 during the dividend period.
Rates effective as of 10/15/2012 and are subject to change without notice.
Share Certificates
| Terms
| Dividend Rate
| APY*
| Minimum to Open
| Dividend Frequency
|
| 12 Months |
1.550% |
1.559% |
$1,000 |
Quarterly & At Maturity |
| 18 Months |
1.650% |
1.660% |
$1,000 |
Quarterly & At Maturity |
| 24 Months |
1.750% |
1.761% |
$1,000 |
Quarterly & At Maturity |
| 36 Months |
2.000% |
2.015% |
$1,000 |
Quarterly & At Maturity |
| 48 Months |
2.250% |
2.269% |
$1,000 |
Quarterly & At Maturity |
| 60 Months |
2.500% |
2.523% |
$1,000 |
Quarterly & At Maturity |
| 72 Months |
2.750% |
2.778% |
$1,000 |
Quarterly & At Maturity |
IRA Share
Certificates
| Term |
Annual |
Minimum to Open |
Dividend Frequency |
| 12 Month Traditional IRA |
1.550%-1.559% |
$1000.00 |
Quarterly & at maturity |
| 12 Month Roth IRA |
1.550%-1.559% |
$1000.00 |
Quarterly & at maturity |
| 12 Month Coverdell IRA |
1.550%-1.559% |
$1000.00 |
Quarterly & at maturity |
| 18 Month Traditional IRA |
1.650%-1.660% |
$1000.00 |
Quarterly & at
maturity |
| 18 Month Roth IRA |
1.650%-1.660% |
$1000.00 |
Quarterly & at
maturity |
| 24 Month Traditional IRA |
1.750%-1.761% |
$1000.00 |
Quarterly & at
maturity |
| 24 Month Roth IRA |
1.750%-1.761% |
$1000.00 |
Quarterly & at
maturity |
| 36 Month Traditional IRA |
2.000%-2.015% |
$1000.00 |
Quarterly & at
maturity |
| 36 Month Roth IRA |
2.000%-2.015% |
$1000.00 |
Quarterly & at
maturity |
| 48 Month Traditional IRA |
2.250%-2.269% |
$1000.00 |
Quarterly & at
maturity |
| 48 Month Roth IRA |
2.250%-2.269% |
$1000.00 |
Quarterly & at
maturity |
| 60 Month Traditional IRA |
2.500%-2.253% |
$1000.00 |
Quarterly & at
maturity |
| 60 Month Roth IRA |
2.500%-2.253% |
$1000.00 |
Quarterly & at
maturity |
| 72 Month Traditional IRA |
2.750%-2.778% |
$1000.00 |
Quarterly & at
maturity |
| 72 Month Roth IRA |
2.750%-2.778% |
$1000.00 |
Quarterly & at
maturity |
* APY = Annual Percentage Yield
Share Certificate accounts are fixed and compounded quarterly and will be in effect for
the term of the account. Penalties may be imposed on early withdrawals as applicable.
Rates effective as of 10/15/2012 and are subject to change without notice.
Loan Products
| Loan Type |
Term |
Maturity Limit |
Annual Percentage Rate* |
| Share-Secured Loan |
100% Share Secured |
1 - 5 yrs |
5.00% |
| 6-7 yrs |
5.50% |
| 8-10 yrs |
6.00% |
| Share Certificate Loan |
100% Share Certificate Secured |
up to 3 years |
Call for latest rates |
| Mixed Collateral Loan |
50% Share Secured, 50% Personal |
up to 6 years |
4.75% - 8.75% |
| New & Used Auto Loan |
up to 100% financing |
1-4 years |
3.25 - 8.25% |
| 5 years |
3.75 - 8.75% |
$20,000 and over
|
up to 100% financing |
6 years |
4.25 - 9.25% |
$30,000 and over
New Auto Only
|
up to 100% financing |
7 years |
4.75 - 9.75% |
Combine These Discounts For Maximum Savings On Your Next Auto Loan:
- 0.25% with Automatic Payment from your KGEFCU checking account.
- 0.25% with a 10% down payment.
- 0.50% with a 20% down payment.
- 0.25% for any non-hybrid vehicle that receives a combined miles per gallon rating of 30 mpg or greater as determined by the U.S. Department of Energy and published at www.fueleconomy.gov.
- 0.25% for new and used vehicles financed by an active duty member of the U.S. Military (Army, Navy, Air Force, Marines, Coast Guard, National Guard or Active Reserves). Spouses and retired military personnel are not eligible.
*Auto Rates effective 2/1/2013
|
| Personal Loan |
up to $15,000 |
1 year |
as low as 5.75% |
| 2 years |
as low as 6.25% |
| 3 years |
as low as 6.75% |
| 4 years |
as low as 7.25% |
| 5 years |
as low as 7.75% |
| 6 years |
as low as 8.50% |
| Share Draft line-of-Credit |
up to $1,000 |
Revolving |
as low as 10.00% |
| Platinum VISA Credit Card with UChoose Rewards |
7.99% - 18.99% |
| Mortgage Loans — Owner |
Up to 80% of home value or
$650,000 whichever is lower
|
First Mortgage or
Second Mortgage
|
15 years (or 30 years
with 15-year balloon)
|
Contact Lending Dept. For current rates |
| 20 years |
Contact Lending Dept. For current rates |
| Home Equity Loan |
up to 20 years |
Contact Lending Dept. For current rates |
| KGEFCU Student Loan |
up to $8,000 per year |
up to ten years after school is over |
6.25%
Subject to change annually.
|
Annual Percentage Rate is subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Information current as of 02/01/2013
|
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