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Loan & Savings Rates

Auto Loan Rates

Type APR (as low as)
New Auto - Fixed 2.99%
Used Auto - Fixed 3.15%
New Auto - Variable 4.25%
Used Auto - Variable 4.50%
Driving Sense - New 3.99%
Driving Sense - Used 4.15%
New RVs, Motor Homes, Antique Vehicles, Travel Trailers, & Motorcycles 7.15%
Title Secured 6.30%

APR = Annual Percentage Rate.  Rates are subject to change, are based on an individual’s credit history, & includes a .25% discount for repayment via Payroll Deduction or Automatic Transfer from a Benchmark Account.

VISA® Credit Card Rates

Card Type APR (as low as)
Visa Signature Rewards (Variable Rate) 10.9% - 17.9% APR
Visa Platinum (Fixed Rate) 8.9% - 16.9% APR
Visa Platinum CashBack (Fixed Rate) 10.9% - 17.9% APR

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Personal Loan Rates

Type APR (as low as)
Unsecured 9.75%
Unsecured Line of Credit 9.75%
Share Secured 3.25%
Certificate Secured (excludes IRAs) 3.25%

APR = Annual Percentage Rate.  Rates are subject to change, are based on an individual’s credit history, & includes a .25% discount for repayment via Payroll Deduction or Automatic Transfer from a Benchmark Account.

Ultimate Home Equity Line of Credit (HELOC) Rates

Term APR (as low as)
Variable 1.99% Intro Rate for 6 months

APR = Annual Percentage Rate.  1.99% APR Introductory Rate is valid for 6 months then rate will convert to the rate member qualified for at time of application.  Rates are subject to change & based on an individual’s credit history.

Fixed Home Equity Loan Rates (81-90% Loan to Value)

Term APR (as low as)
Up to 36 Months 4.50%
Up to 60 Months 4.75%
Up to 120 Months 5.50%
Up to 180 Months 6.00%

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Fixed Home Equity Loan Rates (up to 80% Loan to Value)

Term APR (as low as)
Up to 36 Months 4.25%
Up to 60 Months 4.50%
Up to 120 Months 5.25%
Up to 180 Months 5.75%

APR = Annual Percentage Rate.  Rates are subject to change & based on an individual’s credit history.

Mortgage Rates

Term Rate APR
Fixed - 10 Year 2.500% 2.659%
Fixed - 15 Year 2.625% 2.734%
Fixed - 20 Year 2.875% 2.960%
Fixed - 30 Year 2.875% 2.935%
ARM++ - 10/6 2.500% 2.710%

+ The APR is based on a $218,750 purchase price, $175,000 loan amount.

++ ARM = Adjustable Rate Mortgage. APR = Annual Percentage Rate. Rates as shown are for 0 discount points. Rate will vary based on individual’s credit rating. Interest rates shown are subject to change at any time. Contact our Mortgage Specialists for full terms, conditions, and costs associated.

Step-Up Certificate Rates

Term Minimum Balance APR APY
24 Month $2,500 0.70% 0.70%
30 Month $2,500 0.75% 0.75%
36 Month $2,500 0.80% 0.80%
48 Month $2,500 0.85% 0.85%
60 Month $2,500 0.95% 0.95%

APR = Annual Percentage Rate.  APY= Annual Percentage Yield.  Rates/Yields are subject to change.  Penalty for early withdrawal.

New step-up rate must be rate in effect on the date requested for certificate rate to be increased and must be the same term as the original certificate.  This does not extend the maturity of the certificate.

Certificate Rates

Term Minimum Balance APR APY
3 Month $2,000 0.10% 0.10%
6 Month $500 0.25% 0.25%
12 Month $500 0.55% 0.55%
18 Month $500 0.60% 0.60%
24 Month $500 0.75% 0.75%
30 Month $500 0.80% 0.80%
36 Month $500 0.85% 0.85%
48 Month $1,000 0.90% 0.90%
60 Month $1,000 1.00% 1.00%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields subject to change.  Penalty for early withdrawal.

Share Account Rates

Account Balance APR APY
Share Savings / IRA Shares $5 -$24,999 0.01% 0.01%
$25,000+ 0.05% 0.05%
Vacation & Holiday Accounts $5+ 0.01% 0.01%
Money Market $1,000+ 0.05% 0.05%
High Yield Savings $75,000+ 0.25% 0.25%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields subject to change.

High Yield Money Maker Rates

Balance APR APY
$25,000 - $49,999.99 0.05% 0.05%
$50,000+ 0.10% 0.10%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields are subject to change.

Ultimate Saver Account Rates

Balance APR APY
$0 - $10,000 0.25% 0.25%
$10,000+ 0.10% 0.25% to 0.12%
All balances if qualifications not met 0.05% 0.05%

APR = Annual Percentage Rate.  APY = Annual Percentage Yield.  Rates/Yields effective as of 9/1/2020 & are subject to change.

Qualifications:

Qualifying for your Ultimate Checking* rewards automatically qualifies you for the highest Ultimate Saver** rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Ultimate Checking* during each Monthly Qualification Cycle:

  • At least 12 Signature or PIN-based Debit Card purchases
  • Be enrolled in and agree to receive eStatements

It’s no problem if you miss a qualification cycle. Both accounts are still FREE, and your Ultimate Saver** will earn our base dividend rate. Then you can get back to earning rewards the very next month you qualify.

 

*Ultimate Checking formerly known as Kasasa Cash Back Checking.

**Ultimate Saver formerly known as Kasasa Saver with Cash Back Checking.

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