Rates

Free Checking

Meet MaxRewards criteria?

Minimum Balance to Earn APY

Dividend Rate1

APY2

1Rate paid will be on amounts up to $15,000. Balances above $15,000 will earn 0.05%.

2APY=Annual Percentage Yield

Rates may change without notice. Rates above are effective as of May 1, 2021. MaxRewards Checking accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Personal accounts only, no business accounts. One MaxRewards Checking Account per account/unique SSN. Requirements apply and membership required.

Meet MaxRewards criteria?

Yes

Minimum Balance to Earn APY

$1,000

Dividend Rate1

3.93%

APY2

4.00%

Meet MaxRewards criteria?

No

Minimum Balance to Earn APY

$1,000

Dividend Rate1

0.05%

APY2

0.05%

Savings and Holiday Savings Accounts

Savings Type

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rate

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Fees could reduce the earnings on the account. Holiday Club accounts are Tiered Rate accounts. For these accounts, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. The annual percentage yields, which vary depending on the balance in the account, are shown for each tier. Membership required.

Savings Type

Savings

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Savings Type

Holiday Savings up to $1,000

Minimum Opening Balance

$25

Minimum Balance to Earn APY

$100

Dividend Rate

3.93%

APY1

4.00%

Savings Type

Holiday Savings over $1,000

Minimum Opening Balance

$25

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05% - 4.00%

Money Market and IRA Money Market Accounts

Balance

Dividend Rate

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Money Market accounts are Tiered Rate accounts. For these accounts, if the balance falls within the range for a particular tier, the dividend rate applicable to that tier will apply to the full balance in the account. Penalty may be imposed for early withdrawal. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.

Balance

$0 - $2,499

Dividend Rate

0.05%

APY1

0.05%

Balance

$2,500 - $9,999

Dividend Rate

0.10%

APY1

0.10%

Balance

$10,000 - $24,999

Dividend Rate

0.20%

APY1

0.20%

Balance

$25,000 - $49,999

Dividend Rate

0.25%

APY1

0.25%

Balance

$50,000 - $99,999

Dividend Rate

0.30%

APY1

0.30%

Balance

$100,000+

Dividend Rate

0.349%

APY1

0.35%

Certificates and IRA Share Certificates

Term

Minimum Opening Balance

Minimum Balance to Earn APY

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Members 60 years old or better receive an additional 0.10% increase on all new share certificates on any non-special certificate rates. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Compounded quarterly. Membership required.

Term

6 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.05%

APY1

0.05%

Term

12 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.350%

APY1

0.35%

Term

18 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.399%

APY1

0.40%

Term

24 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.499%

APY1

0.50%

Term

30 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.599%

APY1

0.60%

Term

36 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.698%

APY1

0.70%

Term

48 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.798%

APY1

0.80%

Term

60 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.897%

APY1

0.90%

Youth Accounts

Youth Account Type

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rate

APY1

1Annual Percentage Yield

Rates may change without notice. Rates above are effective as of May 1, 2021. For a Kirby Kangaroo Savings Account, when the account owner reaches 13 years of age, the funds, account features and benefits will be transferred into a Claim Your Youth Savings Account. For a Claim Your Youth Savings Account, when the account owner reaches 18 years of age, the funds in the account will be transferred into a regular Savings Account. Fees could reduce the earnings on the account. Membership required.

Youth Account Type

Kirby Kangaroo Club Kids Savings Program

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Youth Account Type

Claim Your Youth Savings Account

Minimum Opening Balance

$10

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Health Savings Accounts (HSAs)

Minimum Opening Balance

Minimum Balance to Earn APY

Dividend Rate

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Penalty may be imposed for early withdrawal. Special promotional rates may not be combined with other offers. Fees could reduce the earnings on the account. Membership required.

Minimum Opening Balance

$0

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Mortgages

Mortgage Type

Rate as Low as

Approximate monthly payment1

1Monthly payment is based on a loan amount of $150,000. The payment is principal and interest and does not include taxes and insurance.

Rates may change without notice. Rates above are effective as of June 21, 2021. Age 18 or older, membership and credit qualification required. Rates are assuming a mortgage on a single family, primary residence, in first lien position. Rates are based on 45 day lock period. Rates vary based on credit score, loan to value, loan origination fee (points), and lock period. Exact rates can only be quoted and locked with a mortgage loan officer.

Mortgage Type

30 Year Purchase

Rate as Low as

3.125%

Approximate monthly payment1

$642.56

Mortgage Type

15 Year Purchase

Rate as Low as

2.75%

Approximate monthly payment1

$1,017.93

Mortgage Type

30 Year Cash-out Refinance

Rate as Low as

3.375%

Approximate monthly payment1

$663.14

Mortgage Type

15 Year Cash-out Refinance

Rate as Low as

2.99%

Approximate monthly payment1

$1,035.15

Express Mortgages

Term

Rate as Low as

Closing Costs*

Max LTV

*Closing costs do not include appraisal, if applicable.

Rates may change without notice. Rates above are effective as of August 25, 2021. Age 18 or older, membership and credit qualification required. Maximum loan amount $400,000. The payment is principal and interest and does not include taxes and insurance. For refinances of existing mortgages only. Owner occupied homes only.

Term

12 Years or Less

Rate as Low as

2.99%

Closing Costs*

$399

Max LTV

80%

Home Equity Loans

Draw Period

Repayment Period

APR* as Low as1

Max LTV

*Annual Percentage Rate.

1For the 60 month HELOC, Annual Percentage Rate is the Prime Rate as found in the Wall Street Journal with a minimum rate of 3.50% and a maximum of 18%. For the 120 month HELOC, rate shown is the Introductory Annual Percentage Rate for 12 months after which the rate will be the Prime Rate as found in the Wall Street Journal, with a minimum rate of 4.75% and a maximum of 18%.

Rates may change without notice. Rates above are effective as of August 25, 2021. Age 18 or older, membership and credit qualification required. For a 60 month HELOC, the closings costs are 0.50% Loan Origination fee with a $200 minimum and costs incurred which range between $20 and $1,000. No initial draw required. Interest only or $100 minimum payment during the draw period. No annual fee, no maintenance fee. Interest rates adjusts quarterly. For a 120 month HELOC, the closing costs are 0.50% Loan Origination fee and costs incurred which range between $10 and $1,000. Minimum initial draw, $10,000 or credit limit. There is a $99 annual maintenance fee. The interest rate adjusts annually.  During the draw period the minimum payment is interest only or $100 whichever is more.

Property securing your HELOC must have full coverage insurance with Meridian Trust listed as a loss payee at all times. Terms and availability of both the 60 month and 120 month HELOCs are subject to change.

Draw Period

60 months

Repayment Period

120 months

APR* as Low as1

3.50%

Max LTV

85% or $500,000

Draw Period

120 months

Repayment Period

240 months

APR* as Low as1

3.99%

Max LTV

85% or $500,000

Second Mortgage Loans

Term

APR* as Low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

Up to 240 months

APR* as Low as

5.00%

Solar Panel Home Equity Loans

Draw Period

Repayment Period

APR* as low as

Adjust/Reprice

Max LTV

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Must have a credit score of 700 or higher. 85% Combined Loan to Value Limit or a maximum loan amount of $500,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Draw Period

60 months

Repayment Period

120 months

APR* as low as

3.50%

Adjust/Reprice

Monthly

Max LTV

Lesser of 85% CLTV or $500,000

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Unsecured Solar Panel Loan Type

10 Year Fixed Rate

Term

120 Months

APR* as Low as

5.00%

Estimated Payment

$318.20

Unsecured Solar Panel Loan Type

12 Year Fixed Rate

Term

144 Months

APR* as Low as

5.50%

Estimated Payment

$285.05

Unsecured Solar Panel Loan Type

15 Year Fixed Rate

Term

180 Months

APR* as Low as

6.00%

Estimated Payment

$253.16

No Lien Home Improvement Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

60 months

APR* as low as

6.50%

Land Loans

Term

APR* as low as

*Annual Percentage Rate.

**Eligible for amounts greater than $100,000.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Fees: 1.5% loan fee plus all costs.

Term

60 months

APR* as low as

5.50%

Term

120 Months

APR* as low as

6.00%

Term

180 Months

APR* as low as

6.25%

Term

240 Months**

APR* as low as

6.50%

Construction Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. 80% maximum loan to value. Fees: 1.5% loan fee plus all costs (1% for the construction loan and 0.50% for the permanent loan).

Term

9 months or less

APR* as low as

6.00%

New and Used Auto Loans - Cars and Trucks

Vehicle Loan Type

APR* as Low as

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of August 25, 2021. Age 18 or older, membership and credit qualification required. Maximum terms for each loan type are set in the loan policy. Rates shown here are good for all new loans including refinancing of existing loans elsewhere to our lower rates. Vehicles older than 2012 will qualify for the unsecured rate. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

Vehicle Loan Type

New Vehicles 2019-2022

APR* as Low as

1.90%

Vehicle Loan Type

Used Vehicles 2012-2019

APR* as Low as

4.50%

Recreational Vehicle Loans - Campers, Boats, Motorcycles and RVs

Vehicle Loan Type

APR* as low as

*APR=Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of August 25, 2021, and are for new campers, travel trailers, airplanes, motor homes, 5th wheels, boats, personal watercrafts, motorcycles, snowmobiles, ATVs and other RVs. Age 18 or older, membership and credit qualification required. Maximum term of 84 months for loans less than $50,000 and up to 180 months for loans equal to and greater than $50,000. Term length is subject to collateral, payment, and loan amount. RVs older than 2012 will qualify for the unsecured rate. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

Vehicle Loan Type

New Recreational Vehicles 2019-2022

APR* as low as

3.99%

Vehicle Loan Type

Used Recreational Vehicles 2012-2019

APR* as low as

6.00%

Visa Credit Cards

Credit Card

APR*

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Classic Card issued to qualifying members with credit scores up to 680; Platinum Card issued to qualifying members with credit scores 680 or above.

Credit Card

Platinum

APR*

8.99%

Credit Card

Classic

APR*

11.99%

Visa Credit Card Fees

Fee Type

Fee Details

*Cash Advance Fee of 3.00% of transaction amount is effective on January 1st, 2019.

Fee Type

Annual Fee

Fee Details

None

Fee Type

Foreign Transaction Fee

Fee Details

1.00% of each transaction in U.S. Dollars

Fee Type

Cash Advance Fee*

Fee Details

3.00% of transaction amount

Fee Type

Late payment penalty fee

Fee Details

$25 if you are more than 10 days late

Fee Type

Returned payment penalty fee

Fee Details

$25

Unsecured Personal Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of August 25, 2021. Age 18 or older, membership and credit qualification required. You are not required to include income derived from alimony, child support, or separate maintenance payments for consideration on your application.

Term

Up to 60 months

APR* as low as

7.90%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Unsecured Solar Panel Loan Type

10 Year Fixed Rate

Term

120 Months

APR* as Low as

5.00%

Estimated Payment

$318.20

Unsecured Solar Panel Loan Type

12 Year Fixed Rate

Term

144 Months

APR* as Low as

5.50%

Estimated Payment

$285.05

Unsecured Solar Panel Loan Type

15 Year Fixed Rate

Term

180 Months

APR* as Low as

6.00%

Estimated Payment

$253.16

Solar Panel Home Equity Loans

Draw Period

Repayment Period

APR* as low as

Adjust/Reprice

Max LTV

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Must have a credit score of 700 or higher. 85% Combined Loan to Value Limit or a maximum loan amount of $500,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Draw Period

60 months

Repayment Period

120 months

APR* as low as

3.50%

Adjust/Reprice

Monthly

Max LTV

Lesser of 85% CLTV or $500,000

Business Savings Accounts

Minimum Opening Balance

Minimum Balance to earn APY*

Dividend Rate

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Fees could reduce the earnings on the account. Membership required.

Minimum Opening Balance

$10

Minimum Balance to earn APY*

$100

Dividend Rate

0.05%

APY1

0.05%

Business Certificates

Term

Minimum Opening Balance

Minimum Balance to Earn APY

APY1

1Annual Percentage Yield.

Rates may change without notice. Rates above are effective as of May 1, 2021. Members 60 years old or better receive an additional 0.10% increase on all new share certificates on any non-special certificate rates. Special promotional rates may not be combined with other offers. A penalty may be imposed for withdrawals before maturity. If your certificate has an original maturity of 12 months or less, the penalty will equal 90 days’ worth of dividends on the amount withdrawn, whether earned or not. If your certificate has an original maturity greater than 12 months, the penalty will equal 180 days’ worth of dividends, whether earned or not. Fees could reduce the earnings on the account. $500 minimum deposit. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Compounded quarterly. Membership required.

Term

6 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.05%

APY1

0.05%

Term

12 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.350%

APY1

0.35%

Term

18 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.399%

APY1

0.40%

Term

24 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.499%

APY1

0.50%

Term

30 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.599%

APY1

0.60%

Term

36 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.698%

APY1

0.70%

Term

48 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.798%

APY1

0.80%

Term

60 months

Minimum Opening Balance

$500

Minimum Balance to Earn APY

0.897%

APY1

0.90%

Business Classic Visa

Purchases APR*

Cash Advance & Balance Transfers APR*

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required.

Purchases APR*

12.90%

Cash Advance & Balance Transfers APR*

12.90%

Business Lines of Credit

Business Line of Credit Type

Draw Period

Repayment Period

Rate

Adjust/Reprice

Max LTV

*Direct Costs plus $35 for Filing Fees

**Fees: 0.75% plus direct costs

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required.

Business Line of Credit Type

Chattel Secured*

Draw Period

12 Month

Repayment Period

30 Day Resting Provision

Rate

4.25%

Adjust/Reprice

Annually

Max LTV

Based on Collateral

Business Line of Credit Type

RE Secured**

Draw Period

60 Month

Repayment Period

120 Month

Rate

4.25%

Adjust/Reprice

Annually

Max LTV

80%, 75% Max. LTV Cash Out Refinance

Business Vehicle Loans - New and Used Auto and Truck

Loan to Value*

Rate as low as

*Fleet Vehicle Max Loan to Value = 80%; Non-Fleet Max Loan to Value = 100%.

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Non-Fleet is 4 or fewer vehicles used for business purpose. 84 Month Term only for vehicles 2 years old (2019 and newer). Add 0.75% to vehicles older than 2013. Loan to Value is the Loan Amount/the lower of sales price or book value. Maximum terms for each loan type are set in the Loan Policy. Plus $35 for Filing Fees.

Loan to Value*

≤ 80%

Rate as low as

3.60%

Loan to Value*

81-100%

Rate as low as

4.00%

Business Equipment Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Less than or equal to 80% Maximum Loan to Value. 50%-65% Maximum Loan to Value for Special Use Equipment. Add 1.00% to equipment older than 2013. Plus $35 for Filing Fees.

Term

≤60 months

Rate as low as

5.00%

Term

61-84 months

Rate as low as

5.50%

Business Commercial Real Estate Loans

Term

Interest Rate

*Bps = Basic Points = 1/10 of a percent. Example: (Wall Street Journal Prime = 3.25%) 3.25% + 125Bps = 4.50%

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. 80% Max. Loan-to-Value. 75% Max. Loan-to-Value Cash Out. Refinance. 0.75% plus all costs. 15 year terms are available for loans less than $400,000.

Term

1-10 Yr. Term with up to 25 yr. Amortization

Interest Rate

WSJ Prime + 100Bps*

Term

11-15 Yr. Term with up to 25 yr. Amortization

Interest Rate

WSJ Prime + 125Bps*

Term

15 Yr. Balloon with up to 30 yr. Amortization

Interest Rate

WSJ Prime + 150Bps*

Business Land Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. Can amortize up to 360 months. 1% Loan fee plus all costs.

Term

≤ 60 Months

Rate as low as

5.50%

Term

120 Months

Rate as low as

6.00%

Term

180 Months

Rate as low as

6.25%

Business Construction Loans

Term

Rate as low as

Rates may change without notice. Rates above are effective as of May 1, 2021. Age 18 or older, membership and credit qualification required. 75%-80% Maximum Loan to Value. Fees: 1.5% plus all Costs (1.0% for the construction loan, 0.50% for the permanent loan).

Term

≤9 months

Rate as low as

6.00%