Type	Term	APR	Notes
Share Secured	48 Months	5.40%
New Automobile, Van, Truck, Motorcycle	48 to 72 Months	4.00% to 13.50%	100% Financing (Includes Vehicle, Tax, License and CU MBI)
New Motorhome, Travel Trailer	120 to 180 Months	6.15% to 15.15%	90% Financing
Used Motorhome, Travel Trailer	120 to 180 Months	6.40% to 15.40%	90% Financing
New Boat	120 to 144 Months	6.15% to 15.15%	90% Financing
Used Automobile, Van, Truck	48 to 72 Months	4.00% to 13.50%	100% Avg. Blue Book
Signature	36 to 48 Months	10.20% to 17.20%	Up to $12,500
Visa Classic	N/A	12.80%	Up to $5,000
Visa Gold	N/A	10.80%	Up to $12,500
Visa Secured	N/A	12.80%	Up to $5,000
Auto Equity			Same as Automobile Rates
Home Equity Line of Credit	120 Months	Prime plus 2.40%	Up to $150,000; Variable Rate; 80% Loan-to-value; Floor Rate = 4.25%
Second Trust Deeds	120 Months	6.40%	Up to $150,000
Note: Rate range.			Rates are quoted in a range and based on a variety of factors,
Floor Rate			The floor rate on all loans is between 3.50% APR and 10.20%APR. Home Equity loan products floor limit is 4.25%APR. Promotional loans are exempt from this floor limit.

Share Accounts	APR	APY	Notes
Regular Shares (Savings)	0.25%	0.25%	Minimum = $25
Kirby Kangaroo Club (Kids Savings)	0.25%	0.25%	Minimum = $1.
CU Succeed (Teen Savings)	0.25%	0.25%	Minimum = $1.
Christmas Club	0.25%	0.25%	Minimum = $1.
Money Market-Tier I	0.30%	0.30%	Minimum = $2,000
Money Market-Tier II	0.45%	0.45%	Minimum = $20,000
Money Market-Tier III	0.65%	0.65%	Minimum = $75,000
IRA Shares	0.25%	0.25%

Share Accounts	APR	APY	Notes
90 to 179 Days	0.49%	0.49%	Minimum = $1,000
180 to 364 Days	0.65%	0.65%	Minimum = $1,000
1 Year	0.75%	0.75%	Minimum = $1,000
1.5 Years	0.85%	0.85%	Minimum = $1,000
2 Years	0.90%	0.90%	Minimum = $1,000
2.5 Years	1.05%	1.05%	Minimum = $1,000
3 Years	1.15%	1.15%	Minimum = $1,000
4 Years	1.30%	1.30%	Minimum = $1,000
5 Years	1.90%	1.90%	Minimum = $1,000