Rates & Fees

Rates

Certificates & IRAs

Term Share Certificates - CDAPYDividendMinimum Deposit
91 Days Term Share Certificate 0.00% 0.00% $7,500.00
6 Months Term Share Certificate 0.00% 0.00% $10,000.00
IRA - 1 Year IRA Term Share Certificate 0.15% 0.15% $2,000.00

Additional Information
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Term Share Certificate Rates (91 Day, 6 Month and 1 Year IRA's) are established at each Board meeting and are in effect until changed by the Board.
A Penalty may be imposed for early withdrawal of any Term Share Certificate.
The IRA Share Account, Checking Account and Special Savings Account rates are established quarterly by the Board of Directors.

Share/Savings

Type of AccountDescriptionAPYDividend
Special Savings No Minimum (Paid Monthly) 0.00% 0.00%
Checking/Draft All Checking Accounts (Paid Monthly) 0.00% 0.00%
Regular Share Accounts For 3rd Quarter of 2020 ($0-$500.00)
(Paid Quarterly)
0.00% 0.00%
For 3rd Quarter of 2020 ($500.01 and above)
(Paid Quarterly)
0.05% 0.05%
IRA Shares For 3rd Quarter of 2020 ($0-$500.00)
(Paid Quarterly)
0.00% 0.00%

For 3rd Quarter of 2020 ($0-$500.00)
(Paid Quarterly)

0.05% 0.05%

Additional Information
APR = Annual Percentage Rate
APY = Annual Percentage Yield

Loans

Auto Loans
Loan TypeAPR
Auto - New As low as 2.50% APR*
Auto - Used As low as 2.50% APR*
Classic or Specialty - New As low as 4.50% APR*
Classic or Specialty - Used As low as 5.00% APR*
Motorcycles
Loan TypeAPR
Motorcycles - New As low as 4.25% APR*
Motorcycles - Used As low as 4.75% APR*
Boats & RVs
Loan TypeAPR
Boats/RVs - New As low as 4.50% APR*
Boats/RVs - Used As low as 5.0% APR*

Additional Information
*APR = Annual Percentage Rate.
Rates are subject to change without notice.
All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $500.00 deductible on Comprehensive and Collision.
The Credit Union may select the Appraiser.
Line of Credit/Overdraft Protection loans have a minimum monthly payment of $30.00. Share secured and Certificate loans are pledged for full loan amount. Minimum monthly payment of $50.00. KBRHFCU Term Share Certificates only.
Profit-Sharing/Retirement Plan loans require that the check be made payable to the retirement plan only, not to exceed the payoff amount. Minimum monthly payment of $30.00.Maximum amount for any type of loan should not be construed as guaranteed. Loans are reviewed on applicant's ability to pay, intent to pay, assets and credit history.
Secured loans (except share secured) financed longer than 48 months shall have a minimum monthly payment of $100.00. Collateral is negotiable and must be evaluated and approved by a credit union loan officer. All loans are subject to credit approval and certain conditions may apply. Other terms and rates available.

Home Equity
Loan TypeLoan DescriptionApproximate TermsAPR
Home Equity Up to $25,000 up to 60 months 4.75%
Up to $25,000 61 - 120 months 5.25%
Over $25,000 121 - 180 months 5.75%
Other Loans
Loan TypeLoan DescriptionApproximate TermAPR
Personal Loan Up to $50,000 60 months As low as 6.00% APR*
Overdraft Credit Line Up to $5,000 N/A 9.90%
Profit Share/Retirement Up to $10,000 Up to 48 months 2% above KBR 401k loan %
Credit Card Visa Platinum N/A 9.90%
Share Secured Secured by your savings Up to 96 months 3.00%
Certificate Loan Term Share Certificate - Face Value Only Up to 24 months Earning rate plus 3.00%

Additional Information
*APR = Annual Percentage Rate
Rates are subject to change without notice.
All Auto, Motorcycle, Boats, and RV loans require full coverage insurance. Maximum $500.00 deductible on Comprehensive and Collision.
The Credit Union may select the Appraiser.
Line of Credit/Overdraft Protection loans have a minimum monthly payment of $30.00. Share secured and Certificate loans are pledged for full loan amount. Minimum monthly payment of $50.00. KBRHFCU Term Share Certificates only.
Profit-Sharing/Retirement Plan loans require that the check be made payable to the retirement plan only, not to exceed the payoff amount. Minimum monthly payment of $30.00.Maximum amount for any type of loan should not be construed as guaranteed. Loans are reviewed on applicant's ability to pay, intent to pay, assets and credit history.
Secured loans (except share secured) financed longer than 48 months shall have a minimum monthly payment of $100.00. Collateral is negotiable and must be evaluated and approved by a credit union loan officer.
All loans are subject to credit approval and certain conditions may apply. Other terms and rates available.

Account Fees

Savings

AccountShare Account
Membership Minimum Balance Fee No Fee
Excessive Withdrawal Fee No Fee
Non-Sufficient Funds (NSF) Fee $30

Checking

AccountRegular CheckingGrad PackDiamond Club
Minimum Balance Fee No Fee No Fee No Fee
Monthly Service Charge $7 – Waived with direct deposit or avg. daily balance Waived Waived
Overdraft Protection from Shares No Fee No Fee No Fee
Non-Sufficient Funds (NSF) Fee $30 $30 $30
Courtesy Pay $30 $30 $30
Drawn or Uncollected Funds $30 $30 $30
Stop Payment Fee $30 $30 $30
Draft/Check Copy Printing Fee 15 free per yr./$2 each 15 free per yr./$2 each 15 free per yr./$2 each
Temporary Checks $2 per 10 $2 per 10 $2 per 10
Check Orders Cost varies by design Cost varies by design Free

All Accounts

Miscellaneous Services
ItemFee
Account Balancing (1/2 hr. min.) $25 per hour
Account Activity Printout $2
Account Research Fee (1/2 hr. min.) $25 per hour
Statement Copy Fee $2
Credit Union Check Withdrawal Payable to member – No charge
Payable to third party - $3
Deposit Item Return Unpaid $30
Garnishment, Executions & Levies $35 + attorney fees
Inactive Account (1 year no activity) $15 annually
Wire Transfer – Incoming No Fee
Wire Transfer – Outgoing $25
$15 for Diamond Club
Money Order Fee $2
Collection Item Presented for Deposit The Credit Union will charge “pass through” costs on to the member
Deposit/Loan Payments by Credit Card 3% fee for transactions up to $1,000
IRA Administration $5
Electronic Funds Transfer Fees
ItemFee
Non-Proprietary ATM Withdrawal, Transfer or Inquiry Fee No Fee
ATM – Surcharge for Foreign Transactions $2
ATM Overdraft Fee No Fee
Replacement Card/Additional Card $5
Go to Top