Rates

Visa Credit Card Rates

ProductDetailsAPR*
Platinum Low Rate Platinum Card 7.99% Variable
Platinum Rewards Rewards Platinum Card 9.99% Variable
Classic  Low Rate Classic Card 11.74% Variable
Classic Rewards Rewards Classic Card 13.99% Variable
Platinum 1.5% Cash Back Unlimited 1.5% Cash Back Platinum Card 14.24% Variable
Classic Flat 1% Cash Back 1% Cash Back Classic Card 14.24% Variable

* Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Visa Platinum requires a $6,000 minimum limit. Rates and terms are accurate as of May 1, 2018 and are subject to change. The Platinum Low Rate option is not available on Business Accounts. 

Auto Loan Rates

ProductTermAPR*
Auto Loan 5 Years 3.74% Fixed
Auto Loan 6 Years 3.99% Fixed
Auto Loan 7 Years 4.74% Fixed
Auto Loan - (Minimum Loan Amount of $30,000 Required) 8 Years 5.99% Fixed

*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of May 1, 2018 and are subject to change..

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Motorcycle Loan Rates

ProductTermAPR*
Motorcycle/UTV** with a value and loan over $20,000** 10 Years 5.49% Fixed
Motorcycle/UTV*** 7 Years 5.49% Fixed

**Best rates are available with loan-to-value ratio at 85% or lower.
***Best rates are available with loan-to-value ratio at 100% or lower.
*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of May 21, 2018 and are subject to change.

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Small RV Loan Rates

ProductTermAPR*
ATV/Scooter/Small Watercraft/Snowmobile, Misc. Trailers*** 7 Years 5.49% Fixed

***Best rates are available with loan-to-value ratio at 100% or lower.
*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of May 21, 2018 and are subject to change.

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RV/Motorhome/Large Watercraft Loan Rates

ProductTermAPR*
New/Used RV/Boat** 10 Years 5.49% Fixed
New/Used RV/Boat** 12 Years 5.99% Fixed

**Best rates are available with loan-to-value ratio at 85% or lower.
*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of May 21, 2018 and are subject to change.

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Personal Loan Rates

ProductTermAPR*
Personal Loan Up to 5 Years 9.49% Fixed

*Annual Percentage Rate (APR). Rates displayed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Rates and terms are accurate as of May 1, 2018 and are subject to change.

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Home Equity Loan Rates

ProductTermAPR*
65% Home Equity Non-Owner 10 Years 5.74% Fixed
65% Home Equity Non-Owner 15 Years 5.24% Variable
80% Home Equity Non-Owner 10 Years 5.88% Fixed
80% Home Equity Non-Owner 15 Years 5.74% Variable
Home Equity Loan 100% LTV 10 Years 6.99% Variable
Home Equity Loan 100% LTV 10 Years 7.49% Fixed
Home Equity Loan 100% LTV 15 Years 8.49% Variable
Home Equity Loan 90% LTV 5 Years 5.49% Variable
Home Equity Loan 90% LTV 5 Years 5.99% Fixed
Home Equity Loan 90% LTV 10 Years 6.24% Variable
Home Equity Loan 90% LTV 10 Years 6.74% Fixed
Home Equity Loan 90% LTV 15 Years 7.24% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 3.99% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 4.49% Fixed
No Closing Costs Home Equity Loan 80% LTV 10 Years 4.74% Variable
No Closing Costs Home Equity Loan 80% LTV 10 Years 5.24% Fixed
No Closing Costs Home Equity Loan 80% LTV 15 Years 5.74% Variable
No Closing Costs Home Equity Loan 80% LTV Balloon 20/5 Years 7.74% Fixed

* Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months. Rates and terms are accurate as of May 1, 2018 and are subject to change.

Home Equity Line of Credit (HELOC) Rates

Product Terms APR*
Home Equity Line 100% LTV 8.99% Variable
Interest-Only Home Equity Line of Credit 50% LTV 5.49% Variable
Interest-Only Home Equity Line of Credit 80% LTV 5.74% Variable
No Closing Costs Fixed For 5 HELOC 50% LTV 5 Years 5.24% Variable
No Closing Costs Fixed For 5 HELOC 80% LTV 5 Years 5.49% Variable
No Closing Costs Home Equity Line 50% LTV 4.74% Variable
No Closing Costs Home Equity Line 80% LTV 4.99% Variable

*Annual Percentage Rate (APR). The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months. Rates and terms are accurate as of May 1, 2018 and are subject to change.

Savings / Dividends Rates

Account TypeMin. Opening Deposit Dividend RateAPY*
Savings $1.00 0.10% 0.10%
Savings IRA $1.00 0.25% 0.25%
Money Maker Account $0 - $2,000 0.10% 0.10%
$2,001 - $20,000 0.10% 0.10%
$20,001 - $80,000 0.15% 0.15%
$80,001 and above 0.20% 0.20%
Health Savings Account - 0.05% 0.05%

*Annual Percentage Yield (APY). Rates accurate as of May 1, 2018 and are subject to change.

Certificate Account Rates

Account TypeMin. Opening DepositDividend RateAPY*
180 Day Term Share Certificate $500.00 1.24% 1.25%
1 Year Term Share Certificate $500.00 1.49% 1.50%
14 Month Term Share Certificate $500.00 1.49% 1.50%
2 Year Term Share Certificate $500.00 1.74% 1.75%
30 Month Term Share Certificate $500.00 1.83% 1.84%
3 Year Term Share Certificate $500.00 1.98% 1.99%
3 Year Step Up Term Share Certificate $500.00 1.83% 1.84%
4 Year Term Share Certificate $500.00 2.23% 2.25%
5 Year Term Share Certificate $500.00 2.62% 2.65%

*Annual Percentage Yield (APY). Rates accurate as of May 1, 2018 and are subject to change.

Kasasa Cash

Balance Minimum Required Opening Deposit Rate APY
$0 - $5,000 $0 1.98% 2.00%
$5,000+ $0 0.05% 2.00% - 0.17%
All balances if qualifications not met $0 0.01% 0.01%

Effective Date: May 1, 2018

APY = Annual Percentage Yield

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