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Kellogg Community Credit Union
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rates

Loan Rates
Effective Date: Wednesday, April 24th, 2024
NameAPR as low asTerms
New Vehicle Loan
(2 model years and newer)
6.49% (up to 42 months) Terms available up to 90 months *
Newer Used Vehicle Loan
(3-5 model years)
6.99% (up to 42 months) Terms available up to 90 months *
Used Vehicle Loan
(6-10 model years)
7.99% (up to 42 months) Terms available up to 78 months *
New Rec Vehicle / Boat
(2 model years and newer)
7.99% (up to 54 months) Terms available up to 180 months *
Used Rec Vehicle / Boat
(3-10 model years)
8.49% (up to 54 months) Terms available up to 180 months *
Signature Loans 11.49% A convenient loan for any purpose
Visa Edge Credit Card 8.99% Great low rate!
Visa Elite Credit Card 13.00% Great low rate!
Checking Line-of-Credit 6.99% A perfect solution for small loans or spontaneous purchases!
Share Secured 5.00% Terms available up to 60 months
APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. * Rates may vary based on term. Maximum term for 6 and 7 Model Year Vehicles is 78 months. Hybrid/Electric vehicles may receive a 0.25% rate reduction.
Edge card has 8.99%–17.99% fixed APR (Annual Percentage Rate) when you open your account based on your creditworthiness. Visa Edge CC Application and Solicitation Disclosure

Visa Elite card has 13.00%–25.00% variable APR (Annual Percentage Rate) when you open your account based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Elite CC Application and Solicitation Disclosure

Home Equity Rates
Effective Date: Wednesday, April 24th, 2024
NameAPR as low as
5 year fixed home equity 7.500%
10 year fixed home equity 7.750%
15 year fixed home equity 8.000%
Variable HELOC Special* 5.240%
Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a loan of $100,000.00 at a rate of 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan to value ratio of 80%, 20% down.

APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. Rates may vary based on term.

*The special 12-month introductory HELOC APR is effective April 1, 2024, and includes interest only and no other costs. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. The 12-month introductory period begins on the loan closing date and the APR will be fixed for 12 months. The maximum loan to value (LTV) is 80% for the introductory rate. After the introductory period, the loan reverts to the variable APR as stated in the HELOC agreement. The APR is the sum of the Wall Street Journal Prime Rate plus margin and is subject to change as the prime rate changes. The maximum APR that can be imposed is 18%. Loan rates apply to new loans, new money to KCCU, or loans from other financial institutions, and are not intended for refinancing of existing KCCU loans.

Mortgage Rates
Effective Date: Wednesday, April 24th, 2024
NameRate as low asPointsAPR
Fixed rate mortgage, 30 yr 7.125% 0.000% 7.304%
Fixed rate mortgage, 20 yr 7.000% 0.000% 7.231%
Fixed rate mortgage, 15 yr 6.875% 0.000% 7.162%
Fixed rate mortgage, 10yr 6.750% 0.000% 7.152%
3/1 Adjustable Rate Mortgage Contact us for today’s rate    
5/1 Adjustable Rate Mortgage Contact us for today’s rate    
7/1 Adjustable Rate Mortgage Contact us for today’s rate    
Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a loan of $100,000.00 at a rate of 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan to value ratio of 80%, 20% down.
APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. * Rates may vary based on term.

Savings Rates
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum DepositMinimum Balance
Regular Savings 0.10% $5.00 $5.00
Secondary Savings 0.10% $0.00 $5.00
Christmas Club 0.10% $0.00 $5.00
Kasasa Saver*** 1.75% $0.00 $0.00
Health Savings Account 0.25% $0.00 $1,000.00
Health Savings Account 0.30% $0.00 $10,000.00
Health Savings Account 0.30% $0.00 $25,000.00
Personal Checking 0.00% $0.00 $0.00
5.25% eChecking** 5.25% $0.00 $0.00
Kasasa Cash* 4.25% $0.00 $0.00
Money Market Checking 0.20% $0.00 $5,000.00
Money Market Checking 0.30% $0.00 $25,000.01
Money Market Checking 0.35% $0.00 $50,000.01
APY=Annual Percentage Yield. Fees may reduce earnings, see fee schedule
See account details and dividend qualifications:
*Kasasa Checking Accounts**5.25% eChecking***Kasasa Saver

Money Market Rates
NameAPYMinimum BalanceMaximum Balance
Money Market Plus 0.55% $1,000.00 $10,000.00
Money Market Plus 0.65% $10,000.01 $25,000.00
Money Market Plus 0.75% $25,000.01 $50,000.00
Money Market Plus 0.90% $50,000.01 $100,000.00
Money Market Plus 1.15% $100,000.01 $200,000.00
Money Market Plus 1.15% $200,000.01 $250,000.00
Money Market Plus 1.30% $250,000.01  
Money Market Max 0.10% $1,000.00 $99,999.99
Money Market Max 3.00% $100,000.00 $249,999.99
Money Market Max 3.50% $250,000.00 $499,999.99
Money Market Max 4.00% $500,000.00 $1,999,999.99
Money Market Max 0.10% $2,000,000.00  

APY=Annual Percentage Yield. Fees may reduce earnings, see fee schedule

IRAs
Effective Date: Wednesday, April 24th, 2024
DescriptionAPYMinimum Balance
Traditional IRA 0.65% $5.00
Roth IRA 0.65% $5.00
6 Month IRA Certificate 2.00% $500.00
6 Month IRA Certificate 2.10% $50,000.00
1 Year IRA Certificate 2.50% $500.00
1 Year IRA Certificate 2.60% $50,000.00
2 Year IRA Certificate 3.00% $500.00
2 Year IRA Certificate 3.10% $50,000.00
3 Year IRA Certificate 3.25% $500.00
3 Year IRA Certificate 3.35% $50,000.00
4 Year IRA Certificate 3.50% $500.00
4 Year IRA Certificate 3.60% $50,000.00
5 Year IRA Certificate 3.75% $500.00
5 Year IRA Certificate 3.85% $50,000.00
APY=Annual Percentage Yield.

Certificate Rates
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum Deposit
6 Month Certificate 2.00% $500.00
6 Month Certificate 2.10% $50,000.00
1 Year Certificate 2.50% $500.00
1 Year Certificate 2.60% $50,000.00
2 Year Certificate 3.00% $500.00
2 Year Certificate 3.10% $50,000.00
3 Year Certificate 3.25% $500.00
3 Year Certificate 3.35% $50,000.00
4 Year Certificate 3.50% $500.00
4 Year Certificate 3.60% $50,000.00
5 Year Certificate 3.75% $500.00
5 Year Certificate 3.85% $50,000.00
APY=Annual Percentage Yield.

Youth Certificates
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum BalanceMaximum Deposit
Child Certificate ages 0-5 4.00% $100.00 $5,000.00
Youth Certificate ages 6-12 4.00% $100.00 $5,000.00
Teen Certificate ages 13-17 4.00% $100.00 $5,000.00
APY = Annual Percentage yield. Tier 1: A dividend rate of 3.94% will be paid on the portion of your average daily balance that is less than or equal to $5000.00. The annual percentage yield for this tier is 4.00%. Tier 2: A dividend rate of 0.00% will be paid on the portion of your average daily balance that is greater than $5000.00. The annual percentage yield for this tier will range from 1.33% to 4.00%, depending on the balance in the account.

Certificate Specials*
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum Deposit

Current certificate specials

14 Month Certificate 5.000% $500.00
29 Month Certificate 4.500% $500.00
*APY= Annual Percentage Yield. At maturity, Certificate funds will automatically roll over to a 12-month certificate at the then current rate. Penalties may apply for early withdrawal. Limited time offer.

IRA Certificate Specials*
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum Deposit

Current IRA certificate specials

14 Month Certificate 5.000% $500.00
29 Month Certificate 4.500% $500.00

Business Money Market Rates
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum BalanceMaximum Balance
Business Money Market 0.65% $1,000.00 $25,000.00
Business Money Market 0.75% $25,000.01 $50,000.00
Business Money Market 0.80% $50,000.01 $100,000.00
Business Money Market 1.00% $100,000.01  
Business Money Market Max 0.10% $1,000.00 $99,999.99
Business Money Market Max 2.50% $100,000.00 $249,999.99
Business Money Market Max 3.00% $250,000.00 $499,999.99
Business Money Market Max 3.50% $500,000.00 $1,999,999.99
Business Money Market Max 0.10% $2,000,000.00  
*Minimum balance must be met to earn dividend
APY=Annual Percentage Yield.

Business Preferred Checking
Effective Date: Wednesday, April 24th, 2024
NameAPYMinimum BalanceMaximum Balance
Business Checking 0.40% $0.00 $75,000.00
Business Checking 0.50% $0.00 $100,000.00
Business Checking 0.60% $0.00 $150,000.00
Business Checking 0.70% $0.00 $200,000.00