Rates

Rates as of Tuesday October 16, 2018

All Rates are subject to change.

Savings Rates Reflect Member Rewards.  Loan Rates could be lower with Member Rewards.

Savings

Savings Account Rates

Savings Accounts Minimum Balance Rates **APY
Regular Savings $5.00 0.15% 0.15%
Kasasa Saver® Up To $50,000 *** 0.50% 0.50%
Over $50,000 *** 0.25% 0.25%
Christmas/Vacation Club 0.15% 0.15%
Share Draft (Traditional Checking)* 0.10% 0.10%
Kasasa Cash® Checking Up To $10,000 *** 1.98% 2.00%
Over $10,000 *** 0.15% 0.15%
Kasasa Cash Back® Checking None None
Regular IRA 0.35% 0.35%
Roth I.R.A. 0.35% 0.35%
Education I.R.A. 0.35% 0.35%
Money Market Up To $2,500 0.15% 0.15%
$2,500.01 $25,000 0.25% 0.25%
$25,000.01 $50,000 0.30% 0.30%
Over $50,000+ 0.35% 0.35%

 

*Share Draft (Traditional Checking) Dividends are paid on $1,000 minimum average monthly balance.
**APY=Annual Percentage Yield.
***.01 APY if qualifications are not met.

All above rates are subject to change without prior notice. Fees could reduce earnings on the account(s).

Vehicle Loan Rates

New Vehicles

Rate could be higher depending on credit.  *APR=Annual Percentage Rate.

Up to 100% financing for qualified borrowers- selling price plus Tags, Taxes, Warranty, and GAP Insurance.

Term *APR
1 – 60 Months 3.15%
61 – 72 Months 3.30%
73 – 84 Months** 4.35%

**Loan request must be over $20,000.00.

Used Vehicles (up to 5 Years Old)

Rate could be higher depending on credit.  *APR=Annual Percentage Rate.

Up to 100% of NADA Book Retail Value for qualified borrowers plus Tags, Taxes, Warranty, and GAP Insurance

Term *APR
1 – 60 Months 3.40%
61 – 72 Months 4.05%
73 – 84 Months** 5.55%

**Loan request must be over $20,000.00.

Used Vehicles (Over 5 Years Old)

*APR=Annual Percentage Rate. Rate could be higher depending on credit.

Average of NADA Retail/Trade Value

Term *APR
1 to 60 months 4.80%
61 to 72 months 5.55%

Home Equity 1st Lien Rates

85% loan to value financing*, no points

Term **APR
Up to 60 Months, loans greater than $10,000 4.05%
Up to 60 Months, loans up to $10,000 4.30%
61 – 120 Months 4.20%
121 – 180 Months 4.65%
Variable 5.00%

*Loan to value is appraised value less first mortgage.
Variable Rate: Adjusted Quarterly; Maximum rate is 15.00% APR**
and minimum rate is 3.00%. Rate is indexed to Prime Rate.  **APR=Annual Percentage Rate.

Home Equity 2nd Lien Rates

85% loan to value financing*, no points

Term **APR
Up to 60 Months, loans greater than $10,000 4.55%
Up to 60 Months, loans up to $10,000 4.80%
61 – 120 Months 4.70%
121 – 180 Months 5.15%
Variable 5.00%

*Loan to value is appraised value less first mortgage.
Variable Rate: Adjusted Quarterly; Maximum rate is 15.00% **APR
and minimum rate is 3.00%. Rate is indexed to Prime Rate.  **APR=Annual Percentage Rate.

Personal Loan Rates

Signature Loans

Term *APR
12 Month Short Term Loan 7.90%
EXPRESS 11.00%
Up to 60 Months 9.90%
61-72 Months ($20,000 +)  Joint application required 11.90%
73-84 Months ($20,000 +)  Joint application required 12.50%

*APR=Annual Percentage Rate. All loan rates are subject to change without prior notice. Rate reflects Member Rewards. The actual interest rate you receive could be higher depending on credit.

Combined Signature/Collateral Loan Rates

*APR=Annual Percentage Rate. Rate could be higher depending on credit.

Collateral/Term *APR
50% or More Collateralized; Up to 60 Months 8.99%
50% or More Collateralized; Over 60 Months 9.75%
Less than 50% Collateralized; Over 60 Months 10.75%

VISA Rates

Rate

Loan Type *APR=Annual Percentage Rate.
VISA Classic
VISA Gold
VISA Platinum
12.90%
9.90%
6.90%
APR for Balance Transfers Same as above
APR Cash Advances Same as above
Repayment of Balance for Purchases 25 Days
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.
How to Avoid Continued We will not charge you any interest on purchases if you pay your entire balance by the due date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying or using a credit card, visit federalreserve.gov

Fees

*APR=Annual Percentage Rate.
Annual Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction Currently a 1.0% fee is assessed only on International Transactions when a currency conversion occurs. VISA will also impose a 0.8% fee where a conversion is not preformed.
Late Payment
Cash Advance
Over-The-Limit
Returned Payment
$20.00
None
None
$35.00
Cards express mail at member’s request Call for current fee. Fee based on time frame requested.
Payment Info Payment must be made in calendar month in which it is due to count for that month’s payment.
Repayment of Balance for Purchases 25 Days
How to Avoid Paying Interest on Purchases You’re due date is at least 25 days after the close of each billing cycle. We will not charge you in any interest on purchases if you pay your entire balance by the due date.
Minimum Interest Charge None
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying or using a credit card, visit federalreserve.gov

The type of card and credit limit will be established based on income, employment and credit report at the time the application is reviewed.

Other Secured Loan Rates

RVs, Boats, Share Secured and Certificate Secured *APR=Annual Percentage Rate.

New 1 – 60 Months 5.99%* APR
New 61 – 72 Months 6.49%* APR
New 73 – 84 Months 7.49%* APR

 

Used 1 – 60 Months 6.74%* APR
Used 61 – 72 Months 7.24%* APR
Used 73 – 84 Months 8.24%* APR

 

Share Secured 3.15%* APR
Certificate Secured Call

100% Financing plus Tax and Tags

Certificate Rates

Share Certificate Rates

Bronze Level *APY=Annual Percentage Yield.

$50.00 to $9,999.99
Bronze Bronze Plus
Dep $ min Rate *APY Rate *APY
+.05 with CK/DD
6 Months $500.00 0.50% 0.50% 0.55% 0.55%
12 Months $500.00 0.75% 0.75% 0.80% 0.80%
18 Months $500.00 0.95% 0.95% 1.00% 1.00%
30 Months $500.00 1.10% 1.11% 1.15% 1.16%
60 Months $500.00 2.25% 2.27% 2.30% 2.32%

Silver Level *APY=Annual Percentage Yield.

$10,000.00 to $24,999.99
Silver Silver Plus
Dep $ min Rate *APY Rate *APY
+.05 +.10 with CK/DD
6 Months $500.00 0.55% 0.55% 0.60% 0.60%
12 Months $500.00 0.80% 0.80% 0.85% 0.85%
18 Months $500.00 1.00% 1.00% 1.05% 1.05%
30 Months $500.00 1.15% 1.16% 1.20% 1.21%
60 Months $500.00 2.30% 2.32% 2.35% 2.37%

Platinum Level *APY=Annual Percentage Yield.

$25,000.00 to $49,999.99
Platinum Platinum Plus
Dep $ min Rate *APY Rate *APY
+.10 +.15 with CK/DD
6 Months $500.00 0.60% 0.60% 0.65% 0.65%
12 Months $500.00 0.85% 0.85% 0.90% 0.90%
18 Months $500.00 1.05% 1.05% 1.10% 1.11%
30 Months $500.00 1.20% 1.21% 1.25% 1.26%
60 Months $500.00 2.35% 2.37% 2.40% 2.42%

Diamond Level *APY=Annual Percentage Yield.

$50,000.00 and over
Diamond Diamond Plus
Dep $ min Rate *APY Rate *APY
+.20 +.25% with CK/DD
6 Months $500.00 0.70% 0.70% 0.75% 0.75%
12 Months $500.00 0.95% 0.95% 1.00% 1.01%
18 Months $500.00 1.15% 1.16% 1.20% 1.21%
30 Months $500.00 1.30% 1.31% 1.35% 1.36%
60 Months $500.00 2.45% 2.47% 2.50% 2.52%

IRA Roth & Traditional Certificate Rates

Bronze Level *APY=Annual Percentage Yield.

$50.00 to $9,999.99
Bronze Bronze Plus
Dep $ min Rate *APY Rate *APY
+.05 with CK/DD
18 Months $2,000.00 0.95% 0.95% 1.00% 1.00%
30 Months $2,000.00 1.10% 1.11% 1.15% 1.16%
60 Months $2,000.00 2.25% 2.27% 2.30% 2.32%

Silver Level *APY=Annual Percentage Yield.

$10,000.00 to $24,999.99
Silver Silver Plus
Dep $ min Rate *APY Rate *APY
+.05 +.10 with CK/DD
18 Months $2,000.00 1.00% 1.01% 1.05% 1.06%
30 Months $2,000.00 1.15% 1.16% 1.20% 1.21%
60 Months $2,000.00 2.30% 2.32% 2.35% 2.37%

Platinum Level *APY=Annual Percentage Yield.

$25,000.00 to $49,999.99
Platinum Platinum Plus
Dep $ min Rate *APY Rate *APY
+.10 +.15 with CK/DD
18 Months $2,000.00 1.05% 1.05% 1.10% 1.11%
30 Months $2,000.00 1.20% 1.21% 1.25% 1.26%
60 Months $2,000.00 2.35% 2.37% 2.40% 2.42%

Diamond Level *APY=Annual Percentage Yield.

$50,000.00 and over
Diamond Diamond Plus
Dep $ min Rate *APY Rate *APY
+.20 +.25% with CK/DD
18 Months $2,000.00 1.15% 1.16% 1.20% 1.21%
30 Months $2,000.00 1.30% 1.31% 1.35% 1.36%
60 Months $2,000.00 2.45% 2.47% 2.50% 2.52%

Education IRA Certificate Rates

Bronze Level *APY=Annual Percentage Yield.

$50.00 to $9,999.99
Bronze Bronze Plus
Dep $ min Rate *APY Rate *APY
+.05 with CK/DD
18 Months $500.00 0.95% 0.95% 1.00% 1.01%
30 Months $500.00 1.10% 1.11% 1.15% 1.16%
60 Months $500.00 2.25% 2.27% 2.30% 2.32%

Silver Level *APY=Annual Percentage Yield.

$10,000.00 to $24,999.99
Silver Silver Plus
Dep $ min Rate *APY Rate *APY
+.05 +.10 with CK/DD
18 Months $500.00 1.00% 1.01% 1.05% 1.06%
30 Months $500.00 1.15% 1.16% 1.20% 1.21%
60 Months $500.00 2.30% 2.32% 2.35% 2.37%

Platinum Level *APY=Annual Percentage Yield.

$25,000.00 to $49,999.99
Platinum Platinum Plus
Dep $ min Rate *APY Rate *APY
+.10 +.15 with CK/DD
18 Months $500.00 1.05% 1.06% 1.10% 1.11%
30 Months $500.00 1.20% 1.21% 1.25% 1.26%
60 Months $500.00 2.35% 2.37% 2.40% 2.42%

Diamond Level *APY=Annual Percentage Yield.

$50,000.00 and over
Diamond Diamond Plus
Dep $ min Rate *APY Rate *APY
+.20 +.25% with CK/DD
18 Months $500.00 1.15% 1.16% 1.20% 1.21%
30 Months $500.00 1.30% 1.31% 1.35% 1.36%
60 Months $500.00 2.45% 2.47% 2.50% 2.52%