ACCOUNTS

Share (Savings) Account
Your share account is your first step in joining our credit union and will serve as your membership account.  A one-time membership fee of $1.00 and a deposit of $5.00 are due at the time the account is opened.  You then have access to all other services offered by KYANG Federal
Credit Union. 

  • $5.00 must be kept in the account to retain membership
  • All funds stored in this account earn dividends quarterly (Subject to current tier balance)
  • No Monthly Maintenance Fees
  • FREE Bill Pay and Online Banking
  • E-Statements available at no charge
  • ATM Card available for your convenience

Share Draft (Checking) Account
Enjoy the convenience of our full-service checking account and access your money by check, MasterCard debit card, internet or phone.  The only requirement we have, is in your favor - you must also have a share account with us.

  • Share draft accounts are available to all members
  • No minimum balance required
  • Overdraft protection is available from your share account or line-of-credit loan
  • No Monthly Maintenance Fees
  • Unlimited Check-Writing
  • FREE Bill Pay and Online Banking
  • E-Statements available at no charge
  • Debit Cards are available for your convenience

Holiday Club Account
Our Holiday Club Account is an easy way to save money for Christmas. You can open this account anytime and make deposits to it throughout the year. You can even set up a direct deposit from your paycheck. On the 15 th of October, all funds will be disbursed according to your election.

  • Subject to a $25.00 fee for any withdraw prior to the scheduled disbursement date
  • $25.00 initial deposit required to open
  • Dividends paid quarterly
  • Funds paid by check or transfer directly into your account


OTHER

Certificates of Deposit
With a minimum of $500.00 you can invest your hard-earned dollars in a higher
dividend-yielding account.

  • KYANG FCU offers both share and IRA certificates that earn a competitive rate of return
  • The minimum amount needed to open a certificate is $500.00
  • Dividends are paid quarterly

Early withdrawal penalty is one-quarter dividends (Earned or not)

Additional services

  • Wire Transfers
  • Traveler's Checks
  • Fax and Copy Service
  • Notary Public
  • Cashier's Checks
  • Certified Checks
  • Overdraft Protection
  • MasterCard Debit Cards
  • Payroll Deductions
  • Direct Deposit
  • Check Reordering
  • Wide variety of loans
  • ACH Debits / Credits
  • Online Bill Pay
  • Discount Amusement Park Tickets
  • Home Financial Services Online Banking

SHARE & CERTIFICATE RATES

Share Rates

Base rates are as of 4th Qtr 2013. Actual paid dividends are based
on the below tiers.

SHARE

IRA

SHARES

AVE SHARE BALANCE

DRAFT

SHARE

HOLIDAY

0.00

-5,000 - 5.00

0.00

0.00

0.00

0.00

5.01 - 500.00

0.00

0.00

0.00

Base Rate ->

0.00

500.01 - 2,500.00

0.00

0.00

0.00

0.00

2500.01 - 10000.00

0.00

0.00

0.00

0.15

10,000.01 - 999,999.99

0.10

0.10

0.10

 

Certificates of Deposit

AS OF DATE:

TERM

Rates

APY

12/12/2013

6 months

0.07

0.07

12 months

0.12

0.12

18 months

0.17

0.17

24 months

0.22

0.22

36 months

0.27

0.27

48 months

0.32

0.32



LOANS

LOAN RATES

Effective 08/09/2012

BASE

TYPE OF LOAN

TERMS

APR

NEW

100% of Contract Price

(includes new trucks and SUVs)

up to 36 months

2.25%

up to 48 months

3.00%

up to 60 months

3.50%

up to 72 months

4.00%

up to 80 months

4.25%

RV ONLY

up to 120 months

4.50%

USED 1 - 3 years old

1-3 years old, NADA retail value

(includes new trucks and SUVs)

up to 36 months

3.00%

(includes used trucks and SUVs)

up to 48 months

3.50%

up to 60 months

4.00%

RV ONLY

up to 72 months

4.50%

RV ONLY

up to 80 months

5.50%

RV ONLY

up to 120 months

6.50%

USED OVER 3 years old

over 3 years and older, NADA loan value

(includes used trucks and SUVs)

up to 36 months

4.50%

up to 48 months

5.75%

RV ONLY

up to 60 months

6.50%

RV ONLY

up to 72 months

7.50%

RV ONLY

up to 80 months

8.50%

RV ONLY

up to 120 months

9.50%

RV

(RV $25K - 40K - Considered Fifth Wheel or Motor RV)

CONSOLIDATION

up to 60 months

&MISC SECURED LOAN

New to 4 years old - NADA retail value

5.00%

over 4 years old - NADA loan value

6.25%

MISC SECURED LOAN

1-3 year auto, NADA retail value

5.50%

over 3 years & older, NADA loan value

6.50%

HOME IMPROVEMENT

up to 60 months

5.00%

 

UNSECURED - CLOSED END

up to 60 months - Fixed Rate

7.50%

as low as

 

(limit based on CBR Score)

HOME EQUITY LINE OF CREDIT

Variable Rate

info posted

**

Up to 90%-max. $40,000-if qualify

SHARE LOAN

Pledge of shares, must maintain

2.50 % above

**

outstanding loan balance on deposit

highest CD Rate

SIGNATURE LOAN - LINE OF CREDIT

Variable Rate

Info. Posted

**

Fixed Rate

18.00%

12-12-12 LOAN

Fixed Rate - 12 month term

15.00%

**

Rates listed are BASE APRs. Actual rate may be higher or lower depending on your CBR Score.

* Members electing automatic payment transfer from their account to their loan or automatic biweekly loan payments will receive a 0.50% discount on their APR.

**Loan products that are not eligible for CBR Score adjustment.

*** ADDITIONAL 0.50% DISCOUNT ON APR WILL BE GIVEN WITH 15% DOWN.

Other conditions and promotions may alter discounted rates.

 


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