Rates
|
Type of Account2 |
Minimum Opening Balance3 |
Minimum Balance Required |
Dividends Rate |
APY1 |
|---|---|---|---|---|
|
1Annual Percentage Yield |
||||
|
Type of Account2 Kasasa Cash Checking Qualified4 |
Minimum Opening Balance3 $25 |
Minimum Balance Required $0 |
Dividends Rate |
APY1 |
|
Type of Account2 Balances up to $25,000 |
Minimum Opening Balance3 |
Minimum Balance Required |
Dividends Rate 2.96% |
APY1 3.00% |
|
Type of Account2 Balances over $25,000 |
Minimum Opening Balance3 |
Minimum Balance Required |
Dividends Rate 0.40% |
APY1 3.00% to 0.92%5 |
|
Type of Account2 Kasasa Cash Non-Qualified |
Minimum Opening Balance3 $25 |
Minimum Balance Required $0 |
Dividends Rate 0.05% |
APY1 0.05% |
|
Type of Account2 Kasasa Cash Back Checking |
Minimum Opening Balance3 $25 |
Minimum Balance Required $0 |
Dividends Rate None |
APY1 None |
|
Type of Account2 Kasasa Tunes Checking |
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 |
|
Type of Account |
Minimum Balance Required |
Dividend Rate1 |
APY2 |
|---|---|---|---|
|
1 All rates listed are subject to change without notice. |
|||
|
Type of Account Kasasa Saver Qualified - Balances up to $150,000 |
Minimum Balance Required |
Dividend Rate1 0.99% |
APY2 1.00% |
|
Type of Account Kasasa Saver Qualified - Balances over $150,000 |
Minimum Balance Required |
Dividend Rate1 0.40% |
APY2 1.00% to 0.76%4 |
|
Type of Account Kasasa 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 0.20% 0.25% |
APY2 0.20% 0.25% |
|
Type of Account Alternate Share Savings |
Minimum Balance Required $0.00 Less than $5,000 More than $5,000 |
Dividend Rate1 0.20% 0.25% |
APY2 0.20% 0.25% |
|
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 0.75% |
APY2 0.75% |
|
Opening Balance1 |
Rate |
APY2 |
|---|---|---|
|
1$2,500 minimum to open account and to earn dividends |
||
|
Opening Balance1 $2,500.00 - $9,999.99 |
Rate 0.35% |
APY2 0.35% |
|
Opening Balance1 $10,000.00 - $49,999.99 |
Rate 0.35% |
APY2 0.35% |
|
Opening Balance1 $50,000.00 - $99,999.99 |
Rate 0.40% |
APY2 0.40% |
|
Opening Balance1 Balances $100,000.00 and above |
Rate 0.45% |
APY2 0.45% |
|
Opening Balance2 |
Rate1 |
APY3 |
|---|---|---|
|
1Promotional rate will revert to standard HIMMA rate after the term. |
||
|
Opening Balance2 $2,500.00 - $9,999.99 |
Rate1 1.34% |
APY3 1.35% |
|
Opening Balance2 $10,000.00 - $49,000.99 |
Rate1 1.34% |
APY3 1.35% |
|
Opening Balance2 $50,000.00 - $99,000.99 |
Rate1 1.39% |
APY3 1.40% |
|
Opening Balance2 Balances $100,000.00 and above |
Rate1 1.44% |
APY3 1.45% |
See our Truth in Savings statement for Deposit Account Rates, Terms & Fees
|
Term1 |
Minimum Balance Required |
Rate2 |
APY3 |
|---|---|---|---|
|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
|||
|
Term1 3 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.40% |
APY3 0.40% |
|
Term1 6 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.45% |
APY3 0.45% |
|
Term1 9 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.50% |
APY3 0.50% |
|
Term1 1 Year |
Minimum Balance Required $1,000.00 |
Rate2 0.75% |
APY3 0.75% |
|
Term1 1 Year FirstStep4 |
Minimum Balance Required $25.00 |
Rate2 1.05% |
APY3 1.05% |
|
Term1 15 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.80% |
APY3 0.80% |
|
Term1 18 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.85% |
APY3 0.85% |
|
Term1 19 Month |
Minimum Balance Required $1,000.00 |
Rate2 0.95% |
APY3 0.95% |
|
Term1 2 Year |
Minimum Balance Required $1,000.00 |
Rate2 1.00% |
APY3 1.00% |
|
Term1 3 Year |
Minimum Balance Required $1,000.00 |
Rate2 1.10% |
APY3 1.10% |
|
Term1 3 Year Bump Rate |
Minimum Balance Required $1,000.00 |
Rate2 1.15% |
APY3 1.15% |
|
Term1 4 Year |
Minimum Balance Required $1,000.00 |
Rate2 1.24% |
APY3 1.25% |
|
Term1 5 Year |
Minimum Balance Required $1,000.00 |
Rate2 1.49% |
APY3 1.50% |
|
Type |
First 7 Months APR* |
Second 7 Month APR* |
Final 7 Month APR* |
Blended APY** |
|---|---|---|---|---|
|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
||||
|
Type 21 Month Step |
First 7 Months APR* 0.30% |
Second 7 Month APR* 0.80% |
Final 7 Month APR* 1.30% |
Blended APY** 0.80% |
|
Type 21 Month Step IRA |
First 7 Months APR* 0.30% |
Second 7 Month APR* 0.80% |
Final 7 Month APR* 1.30% |
Blended APY** 0.80% |
|
Type 21 Month Step Business |
First 7 Months APR* 0.30% |
Second 7 Month APR* 0.80% |
Final 7 Month APR* 1.30% |
Blended APY** 0.80% |
|
Type |
First 10 Months APR* |
Second 10 Months APR* |
Final 10 Months APR* |
Blended APY** |
|---|---|---|---|---|
|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
||||
|
Type 30 Month Step |
First 10 Months APR* 0.50% |
Second 10 Months APR* 1.00% |
Final 10 Months APR* 1.50% |
Blended APY** 1.01% |
|
Type 30 Month Step IRA |
First 10 Months APR* 0.50% |
Second 10 Months APR* 1.00% |
Final 10 Months APR* 1.50% |
Blended APY** 1.01% |
|
Type 30 Month Step Business |
First 10 Months APR* 0.50% |
Second 10 Months APR* 1.00% |
Final 10 Months APR* 1.50% |
Blended APY** 1.01% |
|
Type |
First 7 Months APR* |
Second 7 Month APR* |
Final 7 Months APR* |
Blended APY** |
|---|---|---|---|---|
|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
||||
|
Type 21 Month Step Jumbo |
First 7 Months APR* 0.40% |
Second 7 Month APR* 0.90% |
Final 7 Months APR* 1.40% |
Blended APY** 0.90% |
|
Type 21 Month Step IRA Jumbo |
First 7 Months APR* 0.40% |
Second 7 Month APR* 0.90% |
Final 7 Months APR* 1.40% |
Blended APY** 0.90% |
|
Type 21 Month Step Business Jumbo |
First 7 Months APR* 0.40% |
Second 7 Month APR* 0.90% |
Final 7 Months APR* 1.40% |
Blended APY** 0.90% |
|
Type |
First 10 Months APR* |
Second 10 Months APR* |
Final 10 Months APR* |
Blended APY** |
|---|---|---|---|---|
|
Early withdrawal penalties may apply. All rates subject to change with out notice. |
||||
|
Type 30 Month Step Jumbo |
First 10 Months APR* 0.60% |
Second 10 Months APR* 1.10% |
Final 10 Months APR* 1.60% |
Blended APY** 1.11% |
|
Type 30 Month Step IRA Jumbo |
First 10 Months APR* 0.60% |
Second 10 Months APR* 1.10% |
Final 10 Months APR* 1.60% |
Blended APY** 1.11% |
|
Type 30 Month Step Business Jumbo |
First 10 Months APR* 0.60% |
Second 10 Months APR* 1.10% |
Final 10 Months APR* 1.60% |
Blended APY** 1.11% |
|
Term1 |
Minimum Balance Required |
Dividend Rate2 |
APY3 |
|---|---|---|---|
|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
|||
|
Term1 3 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.50% |
APY3 0.50% |
|
Term1 6 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.55% |
APY3 0.55% |
|
Term1 9 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.60% |
APY3 0.60% |
|
Term1 1 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 0.85% |
APY3 0.85% |
|
Term1 18 Month |
Minimum Balance Required $100,000 |
Dividend Rate2 0.95% |
APY3 0.95% |
|
Term1 2 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.10% |
APY3 1.10% |
|
Term1 3 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.19% |
APY3 1.20% |
|
Term1 3 Year Bump Rate |
Minimum Balance Required $100,000 |
Dividend Rate2 1.24% |
APY3 1.25% |
|
Term1 4 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.34% |
APY3 1.35% |
|
Term1 5 Year |
Minimum Balance Required $100,000 |
Dividend Rate2 1.59% |
APY3 1.60% |
See our Truth in Savings statement for Deposit Account Rates, Terms & Fees
|
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. |
||
|
Type New Auto |
APR as low as1 2.24% |
Estimated monthly payment for 36-month term Monthly payments are approximately $28.78 per $1000 borrowed at 2.24% APR for 36 months. |
|
Type Used Auto |
APR as low as1 2.74% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.00 per $1000 borrowed at 2.74% APR for 36 months. |
|
Type Older Auto |
APR as low as1 3.74% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.47 per $1000 borrowed at 3.74% APR for 36 months. |
|
Type Older Auto (10-24 years old) |
APR as low as1 9.24% |
Estimated monthly payment for 36-month term Monthly payments are approximately $32.04 per $1000 borrowed at 9.24% APR for 36 months. |
|
Type Classic Auto |
APR as low as1 3.74% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.47 per $1000 borrowed at 3.74% APR for 36 months. |
|
Type |
APR as low as1 |
Estimated monthly payment for 36-month term |
|---|---|---|
|
1Actual rates and terms vary based on credit history and loan amount. |
||
|
Type New Boats |
APR as low as1 2.99% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.11 per $1000 borrowed at 2.99% APR for 36 months. |
|
Type Used Boats |
APR as low as1 3.75% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.47 per $1000 borrowed at 3.75% APR for 36 months. |
|
Type New RVs, Campers, and Travel Trailers |
APR as low as1 4.70% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.90 per $1000 borrowed at 4.70% APR for 36 months. |
|
Type Used RVs, Campers, and Travel Trailers |
APR as low as1 5.00% |
Estimated monthly payment for 36-month term Monthly payments are approximately $30.03 per $1000 borrowed at 5.00% APR for 36 months. |
|
Type New Motorcycles |
APR as low as1 3.99% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.58 per $1000 borrowed at 3.99% APR for 36 months. |
|
Type Used Motorcycles |
APR as low as1 4.99% |
Estimated monthly payment for 36-month term Monthly payments are approximately $30.04 per $1000 borrowed at 4.99% APR for 36 months. |
|
Type Older Motorcycles |
APR as low as1 8.99% |
Estimated monthly payment for 36-month term Monthly payments are approximately $31.93 per $1000 borrowed at 8.99% APR for 36 months. |
|
Type New ATV/Golf Cart |
APR as low as1 3.49% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.35 per $1000 borrowed at 3.49% 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 7.49% APR for 36 months. |
|
Type New Tractor |
APR as low as1 3.49% |
Estimated monthly payment for 36-month term Monthly payments are approximately $29.35 per $1000 borrowed at 3.49% APR for 36 months. |
|
Type Used Tractor |
APR as low as1 7.49% |
Estimated monthly payment for 36-month term Monthly payments are approximately $31.19 per $1000 borrowed at 7.49% APR for 36 months. |
|
Type |
APR as low as5 |
|---|---|
|
Keesler Federal Credit Union offers mortgage Loans for primary residences, 2nd home/vacation Home and investment property in Alabama, Mississippi, Louisiana and Florida. All home construction must be 100% complete. *Rates displayed are the “as low as” rates for purchase loans and refinances of existing Keesler Federal loans. Actual Rates vary based on credit history and loan to value. 1LTV – Loan to Value (Value equals the lower of appraised value or purchase price). 2Minimum loan amount $10,000.00 and Max loan amount $250,000.00. 3Maximum 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. 4Rate 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 3.00% to 5.00% 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. 5The annual percentage rate is based on the value of an index. 6The 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 All Mortgage Rates |
APR as low as5 Visit our mortgage center for current rates* |
|
Type Conventional Fixed Rate, ARM Loans & Construction Loans (Purchase & Refinance) |
APR as low as5 Visit our mortgage center for current rates* |
|
Type VA, FHA, USDA Fixed Rate (Purchase & Refinance) |
APR as low as5 Visit our mortgage center for current rates* |
|
Type Land Loan (Variable Rate)Up to 90% LTV 1 |
APR as low as5 Visit our mortgage center for current rates* |
|
Type Land Loan (Fixed Rate) |
APR as low as5 Visit our mortgage center for current rates* |
|
Type Home Equity Line of Credit (HELOC) 3,4 |
APR as low as5 Visit our mortgage center for current introductory rates* |
|
Type Prime Rate |
APR as low as5 3.25%6* |
|
Type |
APR1 as low as |
Estimated monthly payment |
|---|---|---|
|
1APR is annual percentage rate. |
||
|
Type Signature Loans |
APR1 as low as 9.24%2 |
Estimated monthly payment Monthly payments are approximately $20.96 per $1000 borrowed at 9.24% APR for 60 months. |
|
Type Miscellaneous Collateral |
APR1 as low as 8.40%2 |
Estimated monthly payment Monthly payments are approximately $31.63 per $1000 borrowed at 8.40% APR for 36 months. |
|
Loan Type |
Maximum Loan Amount |
Terms |
APR Rate |
|---|---|---|---|
|
APR is annual percentage rate. |
|||
|
Loan Type Share Secured |
Maximum Loan Amount 100% of available shares |
Terms Up to 120 months |
APR Rate 2.00% above prior quarter Share dividend rate |
|
Loan Type Certificate Pledge |
Maximum Loan Amount 100% of original balance |
Terms Up to 120 months |
APR Rate 2.00% above prior quarter Share Certificate rate |
|
Loan Type |
Loan Amount |
Payment |
Dividend Rate |
|---|---|---|---|
|
1 Variable rate 2.50% above prior quarter lowest share dividend rate. |
|||
|
Loan Type Unsecured |
Loan Amount Min. $500 |
Payment $15.00 monthly payment per $500 balance |
Dividend Rate Variable Rate 4.75% Above Prime |
|
Loan Type Secured |
Loan Amount Max. up to verified & available share balance |
Payment $15.00 monthly payment per $500 balance |
Dividend Rate 2.75% APR 12.50% APR 1 |
Prime Rate
3.25% 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.
|
Card Type |
APR as low as |
Credit Limit |
|---|---|---|
|
1Prime up to 18.00%. |
||
|
Card Type Visa Signature |
APR as low as 3.25%1 |
Credit Limit $5,000.00 to $25,000.00 |
|
Card Type Visa Platinum |
APR as low as 3.25%1 |
Credit Limit $1,000.00 to $25,000.00 |
|
Card Type Visa Classic |
APR as low as 3.25%1 |
Credit Limit $1,000.00 to $25,000.00 |
|
Card Type |
APR as low as |
Credit Limit |
|---|---|---|
|
1Prime plus 3.00%. |
||
|
Card Type Business VISA |
APR as low as 6.25%1 |
Credit Limit $1,000.00 to $25,000.00 |