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Rates

Secured Loans
Type Annual Percentage Rate*
Automobile 5.75%  
Boats, Watercraft, and recreational Vehicles 7.25%  
Motorcycle 5.75%  
Share Secured Loans (Fixed) 3.50%  
Certificate Secured Loans (Fixed) 2.00%  

Term cannot exceed the maturity of the certificate (above the certificate dividend rate)

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% 4.75%*
10 Year 0.50% 5.00%*
15 Year 0.50% 5.25%*
20 Year 0.50% 5.50%*
30 Year  0.50% 5.75%*
Additional Information N/A N/A

Cash out refinances up to 80% LTV | Purchases and/or no cash-out refinances up to 90% LTV

Processing fee required on all mortgage loans

Home Equity Loans
Term LTV Interest Rate*
5 Year Fixed Rate (Up to 85% LTV) 7.00%
10 Year Fixed Rate (Up to 85% LTV) 7.25%
15 Year Fixed Rate (Up to 85% LTV) 7.50%
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

*Your rate may vary from the rate quoted and will be determined by your credit score

Mortgage interest rates are subject to change without notice

Secondary mortgage market financing through CUMA, Inc. and Lender Select Mortgage Group.

Terms vary

Minimum balance of $25 to establish membership

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
12 Month 3.69% 3.75% 3.75%
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 0.20% v 0.20% 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:

Regular Share Certificates: Requires a minimum balance of $500. Dividend rate is guaranteed for the term of the certificate. Penalty for early withdrawal.

IRA Certificates: Requires a minimum balance of $500. Dividend rate is guaranteed for the term of the certificate. Penalty for early withdrawal except withdrawal after age 59 1/2.

*The annual percentage yield (APY) is based on the assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Variable Dividend Rates – If a dividend rate is marked "variable" or "v", the dividend rate(s) and APY may change, and we reserve the right to change the rate(s) at our discretion. If a rate is not marked as variable, it will be paid for the term of the account. Any fees charged to the account may reduce earnings.

Jumbo Certificates – Jumbo certificates are for balances of $100,000 or greater and pay .10% APY more than the regular certificate yield.

For updated rate information, please call (615) 847-4043 or 1-800-998-4043 during regular business hours.