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Checking

2nd Quarter 2014
Under $2500 $2500 and Over
Share Min Opening Bal Rate APY1 Rate APY1
Checking2 $25.003 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

2nd Quarter 2014
Share Min Opening Bal Rate APY
Checking1 25.002 1.39% 1.40%

1 eAdvatage 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.

Savings, Christmas & IRA

2nd Quarter 2014
Type Min Bal Req Rate1 APY2
Savings $0.00 0.25% 0.25%
Savings $5,000 0.30% 0.30%
Christmas Savings $1.00 0.30% 0.30%
IRA Savings3 $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 2014


Share Min Opening Bal1 Rate APY2
HIMMA Balances $2,500.00 to $9,999.99 0.50% 0.50%

HIMMA Balances $10,000.00 to $49,999.99 0.50% 0.50%

HIMMA Balances $50,000.00 to $99,999.99 0.50% 0.50%

HIMMA Balances Over $100,000.00 0.50% 0.50%

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

Share & IRA Certificates Rates

April 16 - April 22
Type1 Min Bal Req Rate2 APY3
3 Month $1000 0.50% 0.50%
6 Month $1000 0.55% 0.55%
9 Month $1000 0.60% 0.60%
1 Year $1000 0.75% 0.75%
1 Year FirstStep4 $25 0.75% 0.75%
15 Month $1000 0.80% 0.80%
18 Month $1000 0.85% 0.85%
19 Month $1000 0.90% 0.90%
2 Year $1000 1.39% 1.40%
3 Year $1000 1.49% 1.50%
3 Year Bump Rate $1000 1.54% 1.55%
4 Year $1000 1.89% 1.90%
5 Year $1000 2.18% 2.20%

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.


Jumbo Share & IRA Certificates Rates

April 16 - April 22
Type1 Min Bal Req Rate2 APY3
3 Month $100,000 0.60% 0.60%
6 Month $100,000 0.65% 0.65%
9 Month $100,000 0.70% 0.70%
1 Year $100,000 0.85% 0.85%
18 Month $100,000 0.95% 0.95%
2 Year $100,000 1.49% 1.50%
3 Year $100,000 1.59% 1.60%
3 Year Bump Rate $100,000 1.64% 1.65%
4 Year $100,000 1.99% 2.00%
5 Year $100,000 2.28% 2.30%

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

New Auto (All Current and 1 Year Old Models)

Loan Type Rate 1
New Auto as low as
1.49% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $28.42 per $1000 borrowed at 1.49% APR for 36 months.

Used Auto (Model Years between 2-9 Years Old)

Loan Type Rate 1
Used Auto as low as
2.49% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $28.86 per $1000 borrowed at 2.49% APR for 36 months.

Older Auto (Model Years between 10-24 Years Old)

Loan Type Rate 1
Older Auto as low as
8.49% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $31.55 per $1000 borrowed at 8.49% APR for 36 months.

Classic Auto (Models 25 Years and Older)

Loan Type Rate 1
Classic Auto as low as
2.99% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.08 per $1000 borrowed at 2.99% APR for 36 months.

New Boats (All Current Year Models)

Loan Type Rate 1
New as low as
2.99% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.08 per $1000 borrowed at 2.99% APR for 36 months.

Used Boats (Previous Year Models and Older)

Loan Type Rate 1
Used as low as
3.25% APR 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.19 per $1000 borrowed at 3.25% APR for 36 months.

RVs, Campers, and Travel Trailers

Loan Type Rate 1
New as low as
4.45% APR 2
Used as low as
4.75% APR 3

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.72 per $1000 borrowed at 4.45% APR for 36 months.
3 Example: Monthly payments are approximately $29.86 per $1000 borrowed at 4.75% APR for 36 months.

Motorcycles

Loan Type Rate 1
New as low as
3.49% APR 2
Used as low as
4.49% APR 3
Older as low as
8.49% APR 4

1 Actual rates and terms vary based on credit history, LTV and loan amount.
2 Example: Monthly payments are approximately $29.30 per $1000 borrowed at 3.49% APR for 36 months.
3 Example: Monthly payments are approximately $29.74 per $1000 borrowed at 4.49% APR for 36 months.
4 Example: Monthly payments are approximately $31.55 per $1000 borrowed at 8.49% APR for 36 months.

ATV/Golf Cart

Loan Type Rate 1
New as low as
2.99% APR 2
Used as low as
7.49% APR 3

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.08 per $1000 borrowed at 2.99% APR for 36 months.
3 Example: Monthly payments are approximately $31.09 per $1000 borrowed at 7.49% APR for 36 months.

Tractors

Loan Type Rate 1
New as low as
2.99% APR 2
Used as low as
7.49% APR 3

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $29.08 per $1000 borrowed at 2.99% APR for 36 months.
3 Example: Monthly payments are approximately $31.09 per $1000 borrowed at 7.49% APR for 36 months.

Mortgage loans are only available on properties located in Mississippi, Alabama and Louisiana. Rates are subject to change without notice. Please note that rates and terms are based on an evaluation of each member's credit history, loan-to-value (LTV), and purpose of loan. Therefore your rate and terms may differ than the advertised rate shown. All loans are subject to credit approval.

Mortgage Rates




For additional rates and terms, please call the Mortgage Department at 228-385-5500 or Apply Now

Land Loan Mortgages

Type 1 Rate 3
Variable Rate
Up to 80% LTV22
as low as 6.25%
Fixed Rate
Up to 80% LTV22
as low as 8.25% 4

1 1Maximum Term 12 years
Minimum Loan Amount $10,000.00
Maximum Loan Amount $150K
2 LTV - Loan to Value (Value equals the lower of appraised value or purchase price).
3 Actual rates vary based on credit history.
4 Example: Monthly payments are approximately $30.53 per $1000 borrowed at 8.25% APR for 36 months. Example does not include taxes and insurance.

Prime Rate

Rate Type Rate
Prime Rate 3.25% 1

1 The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Wall Street Journal. When a range of rates has been published, the highest rate will be used.

Home Equity Line of Credit

Type Rate2
HELOC1 Prime Rate plus a margin (variable rate).
Margin will range from 0.00% APR up to 4.00% APR based on credit history.

1 Maximum Loan Amount of $150,000.00. Up to 85% of available equity. Terms Offered: 5, 8, 10, 15 and 20 years No closing cost with a $10,000.00 minimum advance requirement. Loans completed under the "NO CLOSING COST/DISCOUNTED RATE" offer must be maintained for 24 months to avoid repayment of costs. The amount of closing costs ranges from $800.00 - $2,000.00.
Only primary residences in Alabama, Mississippi or Louisiana are eligible for mortgage loan products. All home construction must be 100% complete.
2 Rate can adjust quarterly (January, April, July & October) Annual rate cap is 2% and maximum rate cannot exceed 18%. An Interest Rate Floor will be set for your plan at the time of the loan, which means the loan can never fall below a certain ARP%. The Interest Rate Floor for your plan will be set at a range of 0.00% to 7.00% for the life of the plan based on your credit history.

SAMPLE PAYMENT: For a loan of $25,000.00 at 3.25% for 180 months, the approximate monthly payment would be $176.00. Call KFCU at 228-385-5580 or 1-888-533-7537 for more details.

Prime Rate

Rate Type Rate
Prime Rate 3.25%1

1 The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Wall Street Journal. When a range of rates has been published, the highest rate will be used.

Home Equity Fixed Rate Closed End

Loan Amount1 Terms2 Rate3
Up to $5000.01 Up to 60 Months as low as
5.49%
$5,000.01 - $10,000 Up to 96 Months as low as
5.49%
$10,000.01 - $20,000 Up to 120 Months as low as
5.49%
$20,000.01 - $30,000 Up to 180 Months as low as
5.99%
$30,000.01 + Up to 240 Months as low as
6.99%

1 Maximum Loan Amount: $150,000. Up to 85% of available equity.
No closing cost with $10,000.00 minimum loan requirement. Loans completed with "NO CLOSING COST" offer must be maintained for 24 months to avoid repayment of costs. The amount of closing costs ranges from $800.00 - $2,000.00. Only primary residences in Alabama, Mississippi or Louisiana are eligible for mortgage loan products. All home construction must be 100% complete.
2 Terms Offered: 5, 8, 10, 15 and 20 years
3 APR (Annual Percentage Rate) is based on credit history and amount & term financed.

The rate is fixed for the term of the loan.

SAMPLE PAYMENT: For a loan of $25,000.00 at 5.99% for 180 months, the approximate monthly payment would be $210.00. Call KFCU at 228-385-5580 or 1-888-533-7537 for more details.

Signature Loans

Rate 1
as low as 7.99% APR 2

1 Actual rates and terms vary based on credit history and loan amount.

2 Example: Monthly payments are approximately $31.32 per $1000 borrowed at 7.99% APR for 36 months.

Share Secured Loans

Type Terms Rate
Share Secured
100% of Available Shares
up to
120 months
2.00% above prior quarter Share dividend rate
Certificate Pledge
100% of Original Balance
up to
120 months
2.00% above Share Certificate rate

KreditLine

Type Amount Payment Rate
Unsecured Min. $500 $15.00 monthly payment per $500 balance Variable Rate 4.75% Above Prime
Secured Max. up to verified & available share balance. $15.00 monthly payment per $500 balance 2.50% APR 1

1 Variable rate 2.50% above prior quarter lowest share dividend rate.


Prime Rate

Rate Type Rate
Prime Rate 3.25% 1

1 The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Wall Street Journal. When a range of rates has been published, the highest rate will be used.

Miscellaneous Collateral (New & Used)

Rate
as low as
8.40% APR 1, 2

1 Actual rates and terms vary based on credit history and loan amount.
2 Example: Monthly payments are approximately $31.51 per $1000 borrowed at 8.40% APR for 36 months.

Credit Card Rates

Card Type Rates Credit Limit
VISA Platinum Rewards as low as
9.90% APR 1
$750.00 to $25,000.00
VISA Chip N PINas low as
9.90% APR1
$750.00 to $25,000.00
MasterCard as low as
8.90% APR 1
$750.00 to $25,000.00
Student MasterCard as low as
8.90% APR 1
$500.00 to $5,000.00
Share Secured MasterCard as low as
12.90% APR
$300.00 to $5,000.00

1 Actual rates vary based on credit history.

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