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Ultimate Checking Click Here to Apply Now

2nd Quarter 2019

Under $2500 $2500 and Over
Share Min Opening Bal Rate APY 1 Rate APY 1
Checking 2 $25.00 3 0.15% 0.15% 0.20% 0.20%

1 Annual Percentage Yield
2 Free4all checking does not earn dividends
3 $25 min deposit to open, no daily balance requirements.


eAdvantage Checking Click Here to Apply Now

2nd Quarter 2019

Share Min Opening Bal Rate APY
Checking 1 25.00 2 1.39% 1.40%

1 eAdvantage rate earned if following criteria are met monthly on balances under $25,000: 15 Debit Card transactions posted to your account, one bill paid with KFCU Online Bill Pay, receive eStatements and direct deposit. If criteria are not met or for any amount on deposit in the eAdvantage Checking over $25,000, earn the standard checking rates.
2 $25 min deposit to open, no daily balance requirements.


Smart Change - Click HERE to learn more about Smart Change

Share Rate 1 APY 2
Smart Change 2.00% 2.00%

1 All rates listed are subject to change without notice.
2 Annual Percentage Yield


Savings, Christmas & IRA

2nd Quarter 2019

Type Min Bal Req Rate 1 APY 2
Savings $0.00 0.25% 0.25%
Savings $5,000 0.30% 0.30%
Christmas Savings $1.00 0.30% 0.30%
IRA Savings 3 $25 0.75% 0.75%

1 All rates listed are subject to change without notice.
2 Annual Percentage Yield
3 IRS Early withdrawal penalties on IRA withdrawals.


High Interest Money Market Account (HIMMA)

2nd Quarter 2019

Share Min Opening Bal Rate APY 2
HIMMA Balances $2,500.00 to $9,999.99 0.40% 0.40%

HIMMA Balances $10,000.00 to $49,999.99 0.40% 0.40%

HIMMA Balances $50,000.00 to $99,999.99 0.45% 0.45%

HIMMA Balances Over $100,000.00 0.50% 0.50%

1 $2,500 minimum to open account and to earn dividends2 Annual Percentage Yield 



Step Certificate - Click HERE to learn more about Step Certificates

  06/12 - 06/18

Certificate Type
$1,000 to open
First 7 Months APR* Second 7 Months APR* Final 7 Months APR* Blended APY**
21 Month Step 1.50% 2.50% 3.50% 2.54%
21 Month Step IRA 1.50% 2.50% 3.50% 2.54%
21 Month Step Business 1.50% 2.50% 3.50% 2.54%

Certificate Type
$1,000 to open
First 10 Months APR* Second 10 Months APR* Final 10 Months APR* Blended APY**
30 Month Step 2.00% 3.00% 4.00% 3.10%
30 Month Step IRA 2.00% 3.00% 4.00% 3.10%
30 Month Step Business 2.00% 3.00% 4.00% 3.10%

Certificate Type
$100,000 to open
First 7 Months APR*
Second 7 Months APR*
Final 7 Months APR*
Blended APY**
21 Month Step Jumbo 1.60% 2.60% 3.60% 2.65%
21 Month Step IRA Jumbo 1.60% 2.60% 3.60% 2.65%
21 Month Step Business Jumbo 1.60% 2.60% 3.60% 2.65%

Certificate Type
$100,000 to open
First 10 Months APR*
Second 10 Months APR*
Final 10 Months APR* 
Blended APY**
30 Month Step Jumbo 2.10% 3.10% 4.10% 3.21%
30 Month Step IRA Jumbo 2.10% 3.10% 4.10% 3.21%
30 Month Step Business Jumbo 2.10% 3.10% 4.10% 3.21%
Early withdrawal penalties may apply. All rates subject to change with out notice.

*APR is annual percentage rate. **APY is annual percentage yield.

Share & IRA Certificates of Deposit Rates

  06/19 - 06/25

Type 1 Min Bal Req Rate 2 APY 3
3 Month $1000 0.55% 0.55%
6 Month $1000 0.60% 0.60%
9 Month $1000 0.65% 0.65%
1 Year $1000 1.05% 1.05%
1 Year FirstStep 4 $25 1.05% 1.05%
15 Month $1000 1.10% 1.10%
18 Month $1000 1.19% 1.20%
19 Month $1000 1.10% 1.10%
2 Year $1000 1.34% 1.35%
3 Year $1000 1.54% 1.55%
3 Year Bump Rate $1000 1.49% 1.50%
4 Year $1000 1.79% 1.80%
5 Year $1000 2.03% 2.05%

1 Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. 2 All rates listed are subject to change without notice. 3 Annual Percentage Yield 4 Not available as IRA Certificates. 5 APY offer effective June 6, 2018 and is subject to change without notice. Minimum $1,000 deposit required; must be opened with 50% new funds not on deposit with Keesler Federal. Offer valid for Consumer, Business, and IRA Certificates only. After 19-month Certificate matures, it will automatically renew at the current 19-month Certificate rate unless you indicate otherwise.
Subject to penalty for early withdrawal. Membership eligibility required.


Jumbo Share & IRA Certificates of Deposit Rates

06/19 - 06/25

Type 1 Min Bal Req Rate 2 APY 3
3 Month $100,000 0.65% 0.65%
6 Month $100,000 0.70% 0.70%
9 Month $100,000 0.75% 0.75%
1 Year $100,000 1.14% 1.15%
18 Month $100,000 1.29% 1.30%
2 Year $100,000 1.44% 1.45%
3 Year $100,000 1.64% 1.65%
3 Year Bump Rate $100,000 1.59% 1.60%
4 Year $100,000 1.89% 1.90%
5 Year $100,000 2.13% 2.15%

1 Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. 2 All rates listed are subject to change without notice. 3 Annual Percentage Yield