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Savings| Certificates
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Deposit Account Rates for Greater Kentucky Credit Union, Inc.
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Savings/Checking
(as of May 1, 2013)
|
Dividend
Term
|
Dividends
Compounded
|
Minimum
Opening Deposit
|
Minimum
Balance Requirement
|
Minimum Balance
to Earn Dividends
|
Dividend
Rate
|
APY*
|
| Business Savings |
Quarterly
|
Quarterly
|
$1,000
|
$10
|
$50
|
0.25
|
0.25
|
|
Regular Savings
|
Quarterly
|
Quarterly
|
$10
|
$10
|
$50
|
0.25
|
0.25
|
| Teen Savings |
Quarterly
|
Quarterly
|
$10
|
$10
|
$50
|
0.25
|
0.25
|
| Student Savings |
Quarterly
|
Quarterly
|
$10
|
$10
|
$50
|
0.25
|
0.25
|
|
Christmas Club
|
Quarterly
|
Quarterly
|
$10
|
$10
|
$10
|
0.15
|
0.15
|
|
Vacation Club
|
Quarterly
|
Quarterly
|
$10
|
$10
|
$10
|
0.15
|
0.15
|
| Business Checking |
N/A
|
N/A
|
$1,000
|
$1
|
N/A
|
N/A
|
N/A
|
|
Classic Checking
|
N/A
|
N/A
|
$10
|
$1
|
N/A
|
N/A
|
N/A
|
| Teen Checking |
Monthly
|
Monthly
|
$10
|
$1
|
$50
|
0.25
|
0.25
|
|
Student Checking
|
Monthly
|
Monthly
|
$10
|
$1
|
$50
|
0.25
|
0.25
|
|
Money Market Checking
|
Monthly
|
Monthly
|
$2,500
|
$1
|
$2,500
|
0.25
|
0.25
|
| Platinum Checking |
Monthly
|
Monthly
|
$10
|
$1
|
$2,500
|
0.25
|
0.25
|
|
Performance Checking
|
N/A
|
N/A
|
$10
|
$1
|
N/A
|
N/A
|
N/A
|
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Performance Checking
|
Monthly
|
Monthly
|
$10
|
$1
|
$500
|
0.25
|
0.25
|
|
Money Market Investment
|
Monthly
|
Monthly
|
$2,500
|
$1
|
$2,500
|
0.10
|
0.10
|
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Money Market Investment
|
Monthly
|
Monthly
|
$2,500
|
$1
|
$10,000
|
0.20
|
0.20
|
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Money Market Investment
|
Monthly
|
Monthly
|
$2,500
|
$1
|
$25,000
|
0.30
|
0.30
|
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Money Market Investment
|
Monthly
|
Monthly
|
$2,500
|
$1
|
$50,000
|
0.35
|
0.35
|
*APY = Annual Percentage Yield; All rates are subject to change without notice. Fees could reduce earnings. Fees: Refer to Fee Schedule. Limitations: Refer to Membership & Account Agreement. Checking: Monthly service will occur on the charge if credit score is 599 or below with less than $250 balance throughout the month or if the account does not have direct deposit otherwise a $10.00 monthly fee applies. If you elect to receive paper statements a $1.00 monthly fee applies.
Red font indicates a rate increase or new product. |
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Certificate and IRA Rates for Greater Kentucky Credit Union, Inc.
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|
Certificates & IRAs
(as of May 1, 2013)
|
Dividend
Term
|
Dividends
Compounded
|
Minimum
Opening Deposit
|
Minimum
Balance Requirement
|
Minimum Balance
to Earn Dividends
|
Dividend
Rate
|
APY*
|
| IRA Passbook |
Quarterly
|
Quarterly
|
$25
|
$25
|
$25
|
0.25
|
0.25
|
|
90-Day Super Saver
|
Quarterly
|
Quarterly
|
$500
|
$500
|
$500
|
0.15
|
0.15
|
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90-Day Super Saver IRA
|
Quarterly
|
Quarterly
|
$500
|
$500
|
$500
|
0.15
|
0.15
|
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6 Month Certificate
|
Maturity
|
At Maturity
|
$1,000
|
$1,000
|
$1,000
|
0.25
|
0.25
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6 Month IRA
|
Maturity
|
At Maturity
|
$1,000
|
$1,000
|
$1,000
|
0.25
|
0.25
|
| 1 Year Certificate |
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.50
|
0.50
|
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1 Year IRA
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.50
|
0.50
|
|
2 Year Certificate
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.80
|
0.80
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2 Year IRA
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.80
|
0.80
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3 Year Certificate
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.995
|
1.00
|
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3 Year IRA
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
0.995
|
1.00
|
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5 Year Certificate
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
1.49
|
1.50
|
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5 Year IRA
|
Quarterly
|
Quarterly
|
$1,000
|
$1,000
|
$1,000
|
1.49
|
1.50
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*APY = Annual Percentage Yield; All rates are subject to change without notice. NOTE: Accounts closed before the end of the dividend period will not receive accrued dividends. Fees could reduce earnings. Fees: Refer to Fee Schedule. Limitations: Refer to Membership & Account Agreement. Note on IRAs: Traditional and Roth accounts are available for any product or term listed above. "Flex" rates are available only on 2 year terms. A flex rate allows you to increase the rate once a year {see details in secret #4 on IRA info page]. Coverdell Savings accounts are not available for 1 or 3 year terms.
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| Mortgage Rates for Greater Kentucky Credit Union, Inc. |
| Mortgage Type (as of May 20, 2013) |
Term |
APR*
|
| Conventional |
10 & 15 Year Fixed |
3.000
|
| Conventional |
30 Year Fixed |
3.500
|
| Adjustable |
1 Year |
4.000
|
| Adjustable |
3 Years |
3.000
|
| Adjustable |
5 Years |
3.375
|
| Adjustable |
7 Years |
3.625
|
| Balloon |
7 Years |
3.625
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*APR= Annual Percentage Rate. Some restrictions apply. The rate and term may vary depending on each individual’s credit history and underwriting factors. All Credit Union loans programs, rates, terms and conditions are subject to change at any time without notice. For our low rates on Home Equity Lines of Credit, Auto Loans, Recreational Loans, and Personal Loans,
contact any of our locations. |
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