Rates & Fees
Rates
Certificates & IRAs
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.
Rates Effective as of: February 21, 2025
Additional Information
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Loans
Auto Loans
Motorcycles
Boats & RVs
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 $1000.00 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
Other Loans
| Loan Type | Loan Description | Approximate Terms | APR |
|---|---|---|---|
| Overdraft Credit Line | Up to $5,000 | N/A | 9.90% |
| Credit Card | Visa Platinum | N/A | 9.90% |
| Share Secured | Secured by your savings | Up to 60 months | Earning rate plus 3.50% |
| Certificate Loan | Term Share Certificate - Face Value Only | Up to 24 months | Earning rate plus 3.50% |
| Personal Loan | Up to $50,000 | Up to 60 months | As low as 9.24% 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.
Account Fees
Savings
| Account | Share Account |
|---|---|
| Membership Minimum Balance Fee | No Fee |
| Excessive Withdrawal Fee | No Fee |
| Non-Sufficient Funds (NSF) Fee | $30 |
Checking
| Account | Regular Checking | Grad Pack | Diamond Club |
|---|---|---|---|
| Minimum Balance Fee | No Fee | No Fee | No Fee |
| Monthly Service Charge | $7 – Waived with direct deposit or $300 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
| Item | Fee |
|---|---|
| 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 |
Electronic Funds Transfer Fees
| Item | Fee |
|---|---|
| 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 |