Federally insured. Earn more with peace of mind.

We know what you’re looking for in your checking and savings accounts: a good return, easy access, and that your money is safe. You get all of the above here.

We pay competitive yields that are better than most banks. And, your deposits are federally insured to $250,000 by the National Credit Union Administration. IRAs get even more coverage; they’re separately insured by the NCUA up to $250,000.

FREE checking >>

With banks, there’s always a catch. They promise free checking with strings like direct deposit or minimum balance requirements. But, when we say free checking, we mean just that. No strings.

Not only does our checking account pay you, it gives you more convenient access than any bank, including:

  • 28,000 free ATMs nationwide
  • 3,700 shared branches in more than 45 states
  • Zero Liability protection with our free Visa Check Card.

Of course, your money is always at your fingertips with free Home Banking with free Bill Pay or PAL phone banking service.

Certificates >>

With as little as $1,000, you can open a high-yield share certificate. We offer many terms to fit your needs. Ask us about “laddering” your investments for maximum gain and flexibility.

Individual Retirement Accounts >>

We don’t need to tell you it’s important to save for retirement. We offer both Traditional and Roth IRAs with competitive dividends and just as important, security. Your IRA is insured up to $250,000 by the full faith of the U.S. Government.

Money market account >>

And if liquidity is important, we’re introducing a money market account that will pay higher yields while keeping your money accessible. Watch for details soon.

Savings accounts >>

Even our regular savings account has better rates than most banks. You can manage your account through Home Banking and use payroll deduction to regularly build your balance.

Direct deposit and payroll deduction >>

We can help you and your payroll department set up either of these convenient services. Direct deposit is the safe and secure way to deposit your pay into your credit union account, while payroll deduction lets you set aside funds to put in the credit union accounts you choose.

Kirby Kangaroo Club for kids >>

Our new Kirby Kangaroo Club teaches kids up to 12 how to save money, so get hopping and open accounts for yours today! All it takes is an opening deposit of as little as $5 — and Kirby will waive the usual membership fee!

Members receive a welcome letter, membership card, savings passbook and a Kirby pencil.

And they earn rewards as their balances grow:

  • $50 Spinning Top
  • $100 Yo-Yo
  • $150 Super Ball
  • $200 Kirby Calculator
  • $500 Kirby Sling Bag

Remember — Kirby wants kids to learn for themselves how fun and easy it is to save money, so don’t help them too much. They’ll be more proud when they build their accounts on their own!

Kirby has a web site too

And it’s filled with fun and kid-friendly things to do.

  • Stories
  • Games
  • Jokes
  • Pages to color

Open a Kirby Kangaroo Club account for the kids, grandkids, nieces and nephews in your life today!