| Auto, Motorcycle, and Rec Vehicle Rates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APR* as low as | Terms** |
New Auto/Motorcycle
(2 model years and newer) |
5.49% (up to 42 months) |
Terms available up to 90 months** |
Newer Used Auto/Motorcycle
(3-5 model years) |
5.49% (up to 42 months) |
Terms available up to 90 months** |
Used Auto/Motorcycle
(6-8 model years) |
5.74% (up to 42 months) |
Terms available up to 78 months** |
Used Auto/Motorcycle
(9-10 model years) |
6.74% (up to 42 months) |
Terms available up to 66 months** |
New Rec Vehicle / Boat
(2 model years and newer) |
7.24% (up to 42 months) |
Terms available up to 180 months** |
Used Rec Vehicle / Boat
(3-10 model years) |
7.24% (up to 42 months) |
Terms available up to 180 months** |
| *APR = Annual Percentage Rate. All advertised auto, recreational vehicle, and motorcycle rates are based on 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APR, which would be the rate stated above plus an additional 0.25% APR. Rates are subject to change without notice. Subject to credit approval and other conditions. VIP Lifetime Rewards Program subject to change at any time without notice. Restrictions may apply. Loan discount is only available on new loans to KCCU. **Rates may vary based on term. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. |
| Visa Credit Cards |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APR* as low as | Terms |
| Edge Credit Card |
8.99% |
Great low rate! |
| Elite Credit Card |
12.00% |
Great low rate! |
| *APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. |
| Visa 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 12.00%–24.00% 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. Visa Elite CC Application and Solicitation Disclosure |
| Other Loans |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APR* as low as | Terms** |
| Signature Loans |
10.99% |
Terms available up to 60 months** |
| 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. |
| Home Equity Rates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APR* as low as |
| 5 year fixed home equity |
6.500% |
| 10 year fixed home equity |
7.500% |
| 15 year fixed home equity |
7.750% |
| HELOC |
7.250% |
| 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 effective 1/2/25. Limited time offer for new loans to KCCU. Loan programs, rates, terms, and conditions subject to change without notice. All loans subject to credit approval, term, and collateral. Best rate available to qualified borrowers under 80% Loan to Value (LTV) and with a minimum credit score of 730. Other restrictions and fees may apply. NMLS# 585521. |
| Mortgage Rates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | Rate as low as | APR* |
| Fixed rate mortgage, 30 yr |
6.125% |
6.239% |
| Fixed rate mortgage, 20 yr |
6.000% |
6.223% |
| Fixed rate mortgage, 15 yr |
5.750% |
6.028% |
| Fixed rate mortgage, 10 yr |
5.625% |
6.018% |
| 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: Tuesday, September 16th, 2025 |
| Name | APY* | Minimum Deposit | Minimum 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 |
| Save to Win |
2.00% |
$0.00 |
$5.00 |
| Kasasa Saver1 |
1.75% |
$0.00 |
$0.00 |
| Health Savings Account |
0.25% |
$0.00 |
$1,000.00 |
| Health Savings Account |
0.35% |
$0.00 |
$10,000.00 |
| Health Savings Account |
0.50% |
$0.00 |
$25,000.00 |
| Personal Checking |
0.00% |
$0.00 |
$0.00 |
| 5.25% eChecking2 |
5.25% |
$0.00 |
$0.00 |
| Kasasa Cash3 |
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 Saver1,5.25% eChecking2,Kasasa Checking Accounts3 |
| Money Market Rates |
| Name | APY* | Minimum Balance** | Maximum Balance |
| Money Market Plus |
0.70% |
$1,000.00 |
$10,000.00 |
| Money Market Plus |
0.75% |
$10,000.01 |
$25,000.00 |
| Money Market Plus |
0.85% |
$25,000.01 |
$50,000.00 |
| Money Market Plus |
1.50% |
$50,000.01 |
$100,000.00 |
| Money Market Plus |
2.15% |
$100,000.01 |
$200,000.00 |
| Money Market Plus |
2.25% |
$200,000.01 |
$250,000.00 |
| Money Market Plus |
2.50% |
$250,000.01 |
|
| Money Market Max |
0.10% |
$1,000.00 |
$99,999.99 |
| Money Market Max |
3.75% |
$100,000.00 |
$249,999.99 |
| Money Market Max |
3.75% |
$250,000.00 |
$499,999.99 |
| Money Market Max |
3.75% |
$500,000.00 |
$1,999,999.99 |
| Money Market Max |
0.10% |
$2,000,000.00 |
|
| *APY = Annual Percentage Yield. **Minimum balance must be met to earn dividend. |
| IRAs |
| Effective Date: Tuesday, September 16th, 2025 |
| Description | APY* as high as | Minimum Balance |
| Traditional IRA |
0.60% |
$5.00 |
| Roth IRA |
0.60% |
$5.00 |
| 6 Month IRA Certificate |
1.75% |
$500.00 |
| 6 Month IRA Certificate |
1.85% |
$50,000.00 |
| 1 Year IRA Certificate |
2.00% |
$500.00 |
| 1 Year IRA Certificate |
2.10% |
$50,000.00 |
| 2 Year IRA Certificate |
2.25% |
$500.00 |
| 2 Year IRA Certificate |
2.35% |
$50,000.00 |
| 3 Year IRA Certificate |
2.75% |
$500.00 |
| 3 Year IRA Certificate |
2.85% |
$50,000.00 |
| 4 Year IRA Certificate |
3.00% |
$500.00 |
| 4 Year IRA Certificate |
3.10% |
$50,000.00 |
| 5 Year IRA Certificate |
3.00% |
$500.00 |
| 5 Year IRA Certificate |
3.25% |
$50,000.00 |
| *APY=Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. |
| Certificate Rates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APY* as high as | Minimum Deposit |
| 6 Month Certificate |
1.75% |
$500.00 |
| 6 Month Certificate |
1.85% |
$50,000.00 |
| 1 Year Certificate |
2.00% |
$500.00 |
| 1 Year Certificate |
2.10% |
$50,000.00 |
| 2 Year Certificate |
2.25% |
$500.00 |
| 2 Year Certificate |
2.35% |
$50,000.00 |
| 3 Year Certificate |
2.75% |
$500.00 |
| 3 Year Certificate |
2.85% |
$50,000.00 |
| 4 Year Certificate |
3.00% |
$500.00 |
| 4 Year Certificate |
3.10% |
$50,000.00 |
| 5 Year Certificate |
3.00% |
$500.00 |
| 5 Year Certificate |
3.25% |
$50,000.00 |
| *APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY which would be the rate stated above minus -0.25% APY. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. |
| Youth Certificates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APY* | Minimum Balance | Maximum 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: Tuesday, September 16th, 2025 |
| Name | APY* as high as | Minimum Deposit |
| 5 Month Certificate |
4.65% |
$500.00 |
| 5 Month Certificate |
4.75% |
$50,000.00 |
| *APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.40% APY on balances $500.00 - $49,999.99, and 4.50% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 6-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Certificate bonus is only available on new certificates. |
| IRA Certificate Specials |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APY* as high as | Minimum Deposit |
| 5 Month IRA Certificate |
4.65% |
$500.00 |
| 5 Month IRA Certificate |
4.75% |
$50,000.00 |
| *APY = Annual Percentage Yield. All advertised certificate rates are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. The 5-month certificate earns 4.40% APY on balances $500.00 - $49,999.99, and 4.50% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 6-month term at then current rate. Membership Required. VIP Rewards Program subject to change at any time without notice. Restrictions may apply. |
| Business Money Market Rates |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APY* | Minimum Balance** | Maximum Balance |
| Business Money Market |
0.50% |
$1,000.00 |
$25,000.00 |
| Business Money Market |
0.85% |
$25,000.01 |
$50,000.00 |
| Business Money Market |
0.85% |
$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 |
2.75% |
$100,000.00 |
$249,999.99 |
| Business Money Market Max |
2.75% |
$250,000.00 |
$499,999.99 |
| Business Money Market Max |
2.75% |
$500,000.00 |
$1,999,999.99 |
| Business Money Market Max |
0.10% |
$2,000,000.00 |
|
| *APY = Annual Percentage Yield. **Minimum balance must be met to earn dividend. |
| Business Preferred Checking |
| Effective Date: Tuesday, September 16th, 2025 |
| Name | APY* | Minimum Balance | Maximum Balance |
| Business Checking |
0.30% |
$75,000.00 |
$100,000.00 |
| Business Checking |
0.50% |
$100,000.01 |
$150,000.00 |
| Business Checking |
0.50% |
$150,000.01 |
$200,000.00 |
| Business Checking |
0.50% |
$200,000.01 |
no maximum |
| *APY=Annual Percentage Yield |
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