Secured Loans
Type |
Annual Percentage Rate* |
Automobile |
6.00% |
|
Boats, Watercraft, and recreational Vehicles |
7.25% |
|
Motorcycle |
6.00% |
|
Share Secured Loans (Fixed) |
3.50% |
|
Certificate Secured Loans (Fixed) |
2.00% |
|
Unsecured Loans
Type |
Annual Percentage Rate* |
Personal |
10.50% |
Credit Cards
Type |
Annual Percentage Rate* |
Visa Platinum |
9.49% |
First Mortgages
Term |
Origination Fee |
Interest Rate* |
5 Year |
0.50% |
5.00%* |
10 Year |
0.50% |
5.25%* |
15 Year |
0.50% |
5.50%* |
20 Year |
0.50% |
5.75%* |
30 Year - Call for rate |
0.50% |
6.00%* |
Additional Information |
N/A |
N/A |
Home Equity Loans
Term |
LTV |
Interest Rate* |
5 Year |
Fixed Rate (Up to 85% LTV) |
7.25% |
10 Year |
Fixed Rate (Up to 85% LTV) |
7.50% |
15 Year |
Fixed Rate (Up to 85% LTV) |
7.75% |
Home Equity Line of Credit
Type |
Payment |
Annual Percentage Rate* |
Variable Rate (Up to 85% LTV) |
1% of ending monthly balance |
Prime Rate (floor rate of 4% - ceiling rate of 18%) |
|
|
|
*Based on published Prime Rate
Additional Loan Information
Share Savings
Share Type |
Dividend Rate |
Annual Percentage Yield* |
Basic Savings Account |
N/A |
N/A |
$0.00—$15,000.00 |
0.15% v |
0.15% v |
$15,000.01—$50,000.00 |
0.15% v |
0.15% v |
$50,000.01—$100,000.00 |
0.20% v |
0.20% v |
$100,000.01 and greater |
0.20% v |
0.20% v |
Kasasa Saver
Share Type |
Dividend Rate |
Annual Percentage Yield* |
When qualifying criteria are met on first $20,000 |
2.96% v |
3.00% v |
When qualifying criteria are met on amounts over $20,000 |
0.25% v |
0.25% v |
When qualifying criteria are not met on entire balance |
0.05% v |
0.05% v |
Checking Accounts
Share Type |
Dividend Rate |
Annual Percentage Yield* |
Kasasa Cash Checking - APY on balances as much as $10,000 |
4.41% |
4.50% |
Kasasa Cash Checking - APY on portion of balance over $10,000 |
0.25% |
0.25% |
Kasasa Cash Checking - APY on all balances if criteria not met |
0.05% |
0.05% |
My Way Senior Checking |
0.10% v |
0.10% v |
Money Market Shares
Amount |
Dividend Rate |
Annual Percentage Yield* |
$0.00—$50,000.00 |
0.70% v |
0.70% v |
$50,000.01—$100,000.00 |
0.70% v |
0.70% v |
$100,000.01—$200,000.00 |
0.80% v |
0.80% v |
$200,000.01 and greater |
0.80% v |
0.80% v |
Share Certificates
Term |
Dividend Rate |
Annual Percentage Yield* |
IRA |
6 Month |
3.45% |
3.50% |
N/A |
9 Month ** SPECIAL** |
4.41% |
4.50% |
N/A |
12 Month |
4.17% |
4.25% |
4.25% |
18 Month |
2.62% |
2.65% |
N/A |
24 Month |
2.62% |
2.65% |
2.65% |
36 Month |
2.62% |
2.65% |
2.65% |
48 Month |
2.62% |
2.65% |
2.65% |
60 Month |
2.62% |
2.65% |
2.65% |
84 Month (IRA Only) |
2.62% |
N/A |
2.65% |
Miscellaneous Shares
Share Type |
Minimum to earn dividend |
Dividend Rate |
Annual Percentage Yield* |
Retirement Plan Shares |
$100 |
0.30% v |
0.30% v |
Christmas Club |
$100 |
0.15% v |
0.15% v |
Teacher Summer Savings Club |
$100 |
0.15% v |
0.15% v |
Vacation Club |
$100 |
0.15% v |
0.15% v |
Save-A-Saurus |
$25 |
0.15% v |
0.15% v |
Health Savings |
$5 minimum balance required |
0.15% v |
0.15% v |
Minimum Balance Requirements: