Rates

Checking

Type of Account²	Minimum Opening Balance³	Minimum Balance Required	Dividends Rate	APY¹
¹Annual Percentage Yield ²Free4all checking does not earn dividends ³$25 min deposit to open, no daily balance requirements ⁴At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements ⁵Depending on account’s daily balance.
Type of Account² Checking Plus Qualified⁴	Minimum Opening Balance³ $25	Minimum Balance Required $0	Dividends Rate	APY¹
Type of Account² Balances up to and including $25,000	Minimum Opening Balance³	Minimum Balance Required	Dividends Rate 4.89%	APY¹ 5.00%
Type of Account² Balances greater than $25,000 (blended rate)	Minimum Opening Balance³	Minimum Balance Required	Dividends Rate 0.50%	APY¹ 1.38% to 5.00%⁵
Type of Account² Checking Plus Non-Qualified	Minimum Opening Balance³ $25	Minimum Balance Required $0	Dividends Rate 0.05%	APY¹ 0.05%
Type of Account² Checking Pays	Minimum Opening Balance³ $25	Minimum Balance Required $0	Dividends Rate None	APY¹ None
Type of Account² Free4all Checking	Minimum Opening Balance³ $25	Minimum Balance Required $0	Dividends Rate None	APY¹ None

Savings

Type of Account	Minimum Balance Required	Dividend Rate¹	APY²
¹ All rates listed are subject to change without notice. ² Annual Percentage Yield ³ IRS Early withdrawal penalties on IRA withdrawals ⁴ Depending on account’s daily balance
Type of Account Checking Saver Qualified - Balances up to $150,000	Minimum Balance Required	Dividend Rate¹ 0.99%	APY² 1.00%
Type of Account Checking Saver Qualified - Balances over $150,000	Minimum Balance Required	Dividend Rate¹ 0.40%	APY² 1.00% to 0.76%⁴
Type of Account Checking Saver Non-Qualified	Minimum Balance Required	Dividend Rate¹ 0.05%	APY² 0.05%
Type of Account Primary Share Savings	Minimum Balance Required $5.00 Less than $5,000 More than $5,000	Dividend Rate¹ 0.15% to 0.20%	APY²
Type of Account Alternate Share Savings	Minimum Balance Required $0.00 Less than $5,000 More than $5,000	Dividend Rate¹ 0.15% to 0.20%	APY²
Type of Account Christmas Savings	Minimum Balance Required $1.00	Dividend Rate¹ 0.30%	APY² 0.30%
Type of Account IRA Savings³	Minimum Balance Required $0.00	Dividend Rate¹ 0.65%	APY² 0.65%

High Interest Money Market Account (HIMMA)

Opening Balance¹	Rate	APY²
¹$2,500 minimum to open account and to earn dividends ²Annual Percentage Yield
Opening Balance¹ $2,500.00 - $9,999.99	Rate 0.30%	APY² 0.30%
Opening Balance¹ $10,000.00 - $49,999.99	Rate 0.30%	APY² 0.30%
Opening Balance¹ $50,000.00 - $99,999.99	Rate 0.35%	APY² 0.35%
Opening Balance¹ Balances $100,000.00 and above	Rate 0.40%	APY² 0.40%

HIMMA Premier High Interest Money Market Account²

Opening Balance	Rate	APY¹
¹Annual Percentage Yield ²Rate available on new deposits only. Account can be opened online, by phone or in branch. Dividend paid at rate of 4.0% APY or 3.93% dividend rate. At the end of six months, the HIMMA Premier balance can be rolled into one of the following options: a regular HIMMA account, a share or checking account, or a certificate. Limit 6 pre-authorized withdrawals per month. Rates and terms subject to change at any time.
Opening Balance $0	Rate 3.93%	APY¹ 4.00%

Share & IRA Certificate Rates

Term¹	Minimum Balance Required	Dividend Rate²	APY³
¹Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. ²All rates listed are subject to change without notice. ³Annual Percentage Yield. ⁴Not available as IRA Certificates. ⁵Maximum $150,000 per investment special, per member.
Term¹ 6 Month	Minimum Balance Required $1,000.00	Dividend Rate² 0.35%	APY³ 0.35%
Term¹ 9 Month	Minimum Balance Required $1,000.00	Dividend Rate² 0.40%	APY³ 0.40%
Term¹ 1 Year	Minimum Balance Required $100.00	Dividend Rate² 0.60%	APY³ 0.60%
Term¹ 1 Year FirstStep⁴	Minimum Balance Required $25.00	Dividend Rate² 1.05%	APY³ 1.05%
Term¹ 15 Month⁵	Minimum Balance Required $0.01	Dividend Rate² 2.23%	APY³ 2.25%
Term¹ 18 Month	Minimum Balance Required $1,000.00	Dividend Rate² 4.43%	APY³ 4.50%
Term¹ 19 Month	Minimum Balance Required $1,000.00	Dividend Rate² 0.75%	APY³ 0.75%
Term¹ 2 Year	Minimum Balance Required $1,000.00	Dividend Rate² 0.85%	APY³ 0.85%
Term¹ 3 Year	Minimum Balance Required $1,000.00	Dividend Rate² 0.80%	APY³ 0.80%
Term¹ 3 Year Bump Rate	Minimum Balance Required $1,000.00	Dividend Rate² 0.85%	APY³ 0.85%
Term¹ 4 Year	Minimum Balance Required $1,000.00	Dividend Rate² 1.10%	APY³ 1.10%
Term¹ 5 Year	Minimum Balance Required $1,000.00	Dividend Rate² 1.34%	APY³ 1.35%

21 Month Step Special Certificate Rates - No Minimum to Open

Type	First 7 Months Interest Rate	Second 7 Months Interest Rate	Final 7 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. APY is annual percentage yield. *Maximum $150,000 per investment special, per member.
Type 21 Month Step**	First 7 Months Interest Rate 1.75%	Second 7 Months Interest Rate 2.75%	Final 7 Months Interest Rate 3.75%	Blended APY* 2.80%
Type 21 Month Step IRA**	First 7 Months Interest Rate 1.75%	Second 7 Months Interest Rate 2.75%	Final 7 Months Interest Rate 3.75%	Blended APY* 2.80%

21 Month Step Business Certificate Rates - $1000 Minimum to Open

Type	First 7 Months Interest Rate	Second 7 Months Interest Rate	Final 7 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. *APY is annual percentage yield.
Type 21 Month Step Business	First 7 Months Interest Rate 0.30%	Second 7 Months Interest Rate 0.80%	Final 7 Months Interest Rate 1.30%	Blended APY* 0.80%

Type

First 7 Months Interest Rate

Second 7 Months Interest Rate

Final 7 Months Interest Rate

Blended APY*

Early withdrawal penalties may apply. All rates subject to change with out notice.
*APY is annual percentage yield.

Type

21 Month Step Business

First 7 Months Interest Rate

0.30%

Second 7 Months Interest Rate

0.80%

Final 7 Months Interest Rate

1.30%

Blended APY*

0.80%

30 Month Step Special Certificate Rates - No Minimum to Open

Type	First 10 Months Interest Rate	Second 10 Months Interest Rate	Final 10 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. APY is annual percentage yield. *Maximum $150,000 per investment special, per member.
Type 30 Month Step**	First 10 Months Interest Rate 2.60%	Second 10 Months Interest Rate 3.60%	Final 10 Months Interest Rate 4.60%	Blended APY* 3.75%
Type 30 Month Step IRA**	First 10 Months Interest Rate 2.60%	Second 10 Months Interest Rate 3.60%	Final 10 Months Interest Rate 4.60%	Blended APY* 3.75%

30 Month Step Business Certificate Rates - $1000 Minimum to Open

Type	First 10 Months Interest Rate	Second 10 Months Interest Rate	Final 10 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. *APY is annual percentage yield.
Type 30 Month Step Business	First 10 Months Interest Rate 0.50%	Second 10 Months Interest Rate 1.00%	Final 10 Months Interest Rate 1.50%	Blended APY* 1.01%

21 Month Jumbo Certificate Rates - $100,000 Minimum to Open

Type	First 7 Months Interest Rate	Second 7 Month Interest Rate	Final 7 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. *APY is annual percentage yield.
Type 21 Month Step Jumbo	First 7 Months Interest Rate 0.40%	Second 7 Month Interest Rate 0.90%	Final 7 Months Interest Rate 1.40%	Blended APY* 0.90%
Type 21 Month Step IRA Jumbo	First 7 Months Interest Rate 0.40%	Second 7 Month Interest Rate 0.90%	Final 7 Months Interest Rate 1.40%	Blended APY* 0.90%
Type 21 Month Step Business Jumbo	First 7 Months Interest Rate 0.40%	Second 7 Month Interest Rate 0.90%	Final 7 Months Interest Rate 1.40%	Blended APY* 0.90%

30 Month Step Jumbo Certificate Rates - $100,000 Minimum to Open

Type	First 10 Months Interest Rate	Second 10 Months Interest Rate	Final 10 Months Interest Rate	Blended APY*
Early withdrawal penalties may apply. All rates subject to change with out notice. *APY is annual percentage yield.
Type 30 Month Step Jumbo	First 10 Months Interest Rate 0.60%	Second 10 Months Interest Rate 1.10%	Final 10 Months Interest Rate 1.60%	Blended APY* 1.11%
Type 30 Month Step IRA Jumbo	First 10 Months Interest Rate 0.60%	Second 10 Months Interest Rate 1.10%	Final 10 Months Interest Rate 1.60%	Blended APY* 1.11%
Type 30 Month Step Business Jumbo	First 10 Months Interest Rate 0.60%	Second 10 Months Interest Rate 1.10%	Final 10 Months Interest Rate 1.60%	Blended APY* 1.11%

Jumbo Share & IRA Certificates

Term¹	Minimum Balance Required	Dividend Rate²	APY³
¹Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. ²All rates listed are subject to change without notice. ³Annual Percentage Yield.
Term¹ 3 Month	Minimum Balance Required $100,000	Dividend Rate² 0.35%	APY³ 0.35%
Term¹ 6 Month	Minimum Balance Required $100,000	Dividend Rate² 0.45%	APY³ 0.45%
Term¹ 9 Month	Minimum Balance Required $100,000	Dividend Rate² 0.50%	APY³ 0.50%
Term¹ 1 Year	Minimum Balance Required $100,000	Dividend Rate² 0.70%	APY³ 0.70%
Term¹ 18 Month	Minimum Balance Required $100,000	Dividend Rate² 4.43%	APY³ 4.50%
Term¹ 2 Year	Minimum Balance Required $100,000	Dividend Rate² 0.95%	APY³ 0.95%
Term¹ 3 Year	Minimum Balance Required $100,000	Dividend Rate² 0.90%	APY³ 0.90%
Term¹ 3 Year Bump Rate	Minimum Balance Required $100,000	Dividend Rate² 0.95%	APY³ 0.95%
Term¹ 4 Year	Minimum Balance Required $100,000	Dividend Rate² 1.19%	APY³ 1.20%
Term¹ 5 Year	Minimum Balance Required $100,000	Dividend Rate² 1.44%	APY³ 1.45%

Auto Loans

Type	APR as low as¹	Estimated monthly payment for 36-month term
¹ Actual rates and terms vary based on credit history, loan amount, and collateral. APR is annual percentage rate.
Type New Auto	APR as low as¹ 4.29%	Estimated monthly payment for 36-month term Monthly payments are approximately $29.71 per $1000 borrowed at 4.29% APR for 36 months.
Type Used Auto (3-6 years old)	APR as low as¹ 4.29%	Estimated monthly payment for 36-month term Monthly payments are approximately $29.71 per $1000 borrowed at 4.29% APR for 36 months.
Type Older Auto (7-9 years old)	APR as low as¹ 4.29%	Estimated monthly payment for 36-month term Monthly payments are approximately $29.71 per $1000 borrowed at 4.29% APR for 36 months.
Type Older Auto (10-24 years old)	APR as low as¹ 10.29%	Estimated monthly payment for 36-month term Monthly payments are approximately $32.54 per $1000 borrowed at 10.29% APR for 36 months.
Type Classic Auto (25 years and older)	APR as low as¹ 6.29%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.63 per $1000 borrowed at 6.29% APR for 36 months.

Other Vehicle Loans

Type	APR as low as¹	Estimated monthly payment for 36-month term
¹Actual rates and terms vary based on credit history and loan amount. APR is annual percentage rate.
Type New Boats (all current year models)	APR as low as¹ 5.74%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.38 per $1000 borrowed at 5.74% APR for 36 months.
Type Used Boats (previous year models and older)	APR as low as¹ 5.74%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.38 per $1000 borrowed at 5.74% APR for 36 months.
Type New RVs, Campers, and Travel Trailers	APR as low as¹ 5.74%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.38 per $1000 borrowed at 5.74% APR for 36 months.
Type Used RVs, Campers, and Travel Trailers	APR as low as¹ 5.74%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.38 per $1000 borrowed at 5.74% APR for 36 months.
Type New Motorcycles	APR as low as¹ 6.99%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.96 per $1000 borrowed at 6.99% APR for 36 months.
Type Used Motorcycles	APR as low as¹ 6.99%	Estimated monthly payment for 36-month term Monthly payments are approximately $30.96 per $1000 borrowed at 6.99% APR for 36 months.
Type Older Motorcycles	APR as low as¹ 10.04%	Estimated monthly payment for 36-month term Monthly payments are approximately $32.42 per $1000 borrowed at 10.04% APR for 36 months.
Type New ATV/Golf Cart	APR as low as¹ 7.49%	Estimated monthly payment for 36-month term Monthly payments are approximately $31.20 per $1000 borrowed at 7.99% APR for 36 months.
Type Older ATV/Golf Cart	APR as low as¹ 7.49%	Estimated monthly payment for 36-month term Monthly payments are approximately $31.19 per $1000 borrowed at 7.54% APR for 36 months.
Type New Tractor	APR as low as¹ 7.49%	Estimated monthly payment for 36-month term Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Type Used Tractor	APR as low as¹ 7.49%	Estimated monthly payment for 36-month term Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.

Home Loans, Land Loans and Home Equity Credit Lines

Type	APR as low as¹
Keesler Federal Credit Union offers home equity lines of credit loans for primary residences and 2nd home/vacation Home in Alabama, Mississippi, Louisiana and Florida. *Rates displayed are the “as low as” rates for home equity lines of credit. Actual Rates vary based on credit history and loan to value. LTV – Loan to Value (Value equals the lower of appraised value or purchase price). ¹The annual percentage rate is based on the value of an index. ²Minimum loan amount $10,000.00 and Maximum Loan Amount of $150,000.00. Loans completed with lender credit towards closing costs on new loans only. The amount of closing costs ranges from $800.00 to $2,000.00. On any loan in which Keesler Federal pays closing costs via the Lender Credit or no closing cost option, we will not refinance that loan again with a Lender Credit within 36 months of the original loan. Owner occupied/primary residence. ³Rate 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 APR%. The Interest Rate Floor for your plan will be set at a range of 2.75% to 7.00% for the life of the plan based on your credit history. Rates based on Prime Rate plus a margin (margin range from 0.00% to 2.00% based on credit history). HELOC’s are variable rate loans. All closings costs paid by Keesler Federal. ⁴The 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.
Type Home Equity Line of Credit (HELOC)²	APR as low as¹ Visit our Home Equity Credit Lines page for current introductory rates³
Type Prime Rate	APR as low as¹ 8.00%^4*

Type

APR as low as¹

Keesler Federal Credit Union offers home equity lines of credit loans for primary residences and 2nd home/vacation Home in Alabama, Mississippi, Louisiana and Florida.

*Rates displayed are the “as low as” rates for home equity lines of credit.

Actual Rates vary based on credit history and loan to value.

LTV – Loan to Value (Value equals the lower of appraised value or purchase price).

¹The annual percentage rate is based on the value of an index.

²Minimum loan amount $10,000.00 and Maximum Loan Amount of $150,000.00. Loans completed with lender credit towards closing costs on new loans only. The amount of closing costs ranges from $800.00 to $2,000.00. On any loan in which Keesler Federal pays closing costs via the Lender Credit or no closing cost option, we will not refinance that loan again with a Lender Credit within 36 months of the original loan. Owner occupied/primary residence.

³Rate 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 APR%. The Interest Rate Floor for your plan will be set at a range of 2.75% to 7.00% for the life of the plan based on your credit history. Rates based on Prime Rate plus a margin (margin range from 0.00% to 2.00% based on credit history). HELOC’s are variable rate loans. All closings costs paid by Keesler Federal.

⁴The 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.

Type

Home Equity Line of Credit (HELOC)²

APR as low as¹

Visit our Home Equity Credit Lines page for current introductory rates³

Type

Prime Rate

APR as low as¹

8.00%^4*

Personal Loans & Miscellaneous Collateral

Type	APR¹ as low as	Estimated monthly payment
¹APR is annual percentage rate. ²Actual rates and terms vary based on credit history and loan amount.
Type Signature Loans	APR¹ as low as 11.49%²	Estimated monthly payment Monthly payments are approximately $33.13 per $1000 borrowed at 11.49% APR for 36 months.
Type Miscellaneous Collateral	APR¹ as low as 10.49%²	Estimated monthly payment Monthly payments are approximately $32.64 per $1000 borrowed at 10.49% APR for 36 months.

Certificate Secured Loans

Loan Type	Maximum Loan Amount	Terms	APR Rate
APR is annual percentage rate.
Loan Type Certificate Pledge	Maximum Loan Amount 100% of original balance	Terms Up to 120 months	APR Rate 2.00% above the certificate rate at the time of the loan

Prime Rate

7.75% APR²

² 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.

Personal Credit Cards

Card Type	APR as low as	Credit Limit
¹Prime up to 18.00%. APR is annual percentage rate. Click Here for Disclosures
Card Type Visa Signature	APR as low as 8.00%¹	Credit Limit $5,000.00 to $25,000.00
Card Type Visa Platinum	APR as low as 8.00%¹	Credit Limit $1,000.00 to $25,000.00
Card Type Visa Classic	APR as low as 8.00%¹	Credit Limit $1,000.00 to $25,000.00

Business Credit Cards

Card Type	APR as low as	Credit Limit
¹Prime plus 3.00%. APR is annual percentage rate. Click Here for Disclosures
Card Type Business VISA	APR as low as 11.00%¹	Credit Limit $1,000.00 to $25,000.00

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