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CURRENT SHARE ACCOUNT RATES
ACCOUNT TYPE |
RATE |
APY |
| PRIMARY SHARE |
.25% |
.25% |
| IRA SHARE |
.25% |
.25% |
| VACATION ACCOUNT |
.25% |
.25% |
| KIRBY KANGAROO |
.25% |
.25% |
| CHRISTMAS ACCOUNT |
.25% |
.25% |
| ESCROW ACCOUNT |
.25% |
.25% |
| BONUS ACCOUNT |
.50% |
.50% |
Dividends are calculated on the average daily balance and paid monthly to your share account. These dividends are based on the monthly earnings of the Credit Union and are determined by the Board of Directors of the Credit Union. Contact the credit union office for details. SHARE
CERTIFICATE ACCOUNTS
TERM |
RATE |
APY* |
MINIMUM |
| 12-MONTH |
CALL FOR RATE |
CALL FOR YIELD |
$1,000 |
| 24-MONTH |
CALL FOR RATE |
CALL FOR YIELD |
$1,000 |
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IRA TERM |
IRA RATE |
IRA APY* |
IRA MINIMUM |
18-MONTH IRA |
CALL FOR RATE |
CALL FOR YIELD |
$500 |
*The APY assumes principal deposit and dividends remain in the account until maturity. Rates are determined by the board of directors monthly and may change without notice. Share certificate dividends are paid quarterly on the last day of each quarter and at maturity. Penalty for early withdrawal of certificate funds is a forfeiture of 90 days dividends, plus the loss of accrued unpaid dividends on the principal amount withdrawn. |
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USDA CREDIT UNION LOAN RATES
VEHICLE LOANS - CARS, TRUCKS, MOTORCYCLES, BOATS, CAMPERS, RECREATIONAL VEHICLES, AND OTHER TITLED VEHICLES
Current Rates
Rates are subject to change without notice.
All loans are subject to credit approval.
New vehicles are financed at 100% of list price. Used vehicle loan value is based on 85% of N.A.D.A. retail value. Salvaged titles are based on 50% of N.A.D.A. retail value. |
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NEW AND USED VEHICLE LOAN RATES
VEHICLE LOANS INCLUDE; CARS, TRUCKS, MOTORCYCLES, BOATS, CAMPERS, RECREATIONAL VEHICLES, AND OTHER TITLED VEHICLES. * Annual percentage rates are with qualifying credit score, collateral analysis and subject to change without notice. Contact the credit union for current rates and terms.
NEW AUTOS (2012-2011)
As Low As 2.99% APR*
5 YEAR MAXIMUM TERM
*2012 and 2011 model years with 15,000 miles or less and 10% down payment from list price; 60 month term.
USED AUTOS (2011-2008)
As Low As 3.49% APR*
4 YEAR MAXIMUM TERM
*2011, 2010, 2009 and 2008 model years with 15,000 miles or more, financed at 85% of NADA retail value; 48 month term.
USED AUTOS (2007-2005)
As Low As 6.50% APR*
*2007, 2006 and 2005 model years, financed at 85% NADA retail value; 36 month term.
OLDER USED AUTOS (2004 and older)
As Low As 6 .49% APR*
*2004 model years and older, financed at 85% NADA retail value; 24 month term.
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To apply, complete the Loan APPLICATION FORM and fax it to 515-243-4180 or mail it to USDA Credit Union, 210 Walnut St, Room 927, Des Moines, IA 50309.
To search for a vehicle: CarFax.com to search for auto values: nadaguides.com
The above sites; CarFax.com and nadaguides.com are not maintained by USDA Credit Union, but are only listed for references.
PRIVACY POLICY |