Rates
Type of Account2 |
Minimum Opening Balance3 |
Minimum Balance Required |
Dividends Rate |
APY1 |
---|---|---|---|---|
1Annual Percentage Yield |
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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 |
Type of Account |
Minimum Balance Required |
Dividend Rate1 |
APY2 |
---|---|---|---|
1 All rates listed are subject to change without notice. |
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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% |
Opening Balance1 |
Rate |
APY2 |
---|---|---|
1$2,500 minimum to open account and to earn dividends |
||
Opening Balance1 $2,500.00 - $9,999.99 |
Rate 0.30% |
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% |
Opening Balance |
Rate |
APY1 |
---|---|---|
1Annual Percentage Yield |
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Opening Balance $0 |
Rate 3.93% |
APY1 4.00% |
Term1 |
Minimum Balance Required |
Dividend Rate2 |
APY3 |
---|---|---|---|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
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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% |
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. |
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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% |
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. |
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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 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. |
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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% |
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. |
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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% |
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. |
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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% |
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. |
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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% |
Term1 |
Minimum Balance Required |
Dividend Rate2 |
APY3 |
---|---|---|---|
1Early withdrawal penalties apply. IRS early withdrawal penalties may apply on IRA withdrawals. |
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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% |
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 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 |
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 |
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 |
APR as low as1 5.29% |
Estimated monthly payment for 36-month term Monthly payments are approximately $30.17 per $1000 borrowed at 5.29% 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. |
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Type New Boats |
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 |
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. |
Type |
APR as low as1 |
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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 |
APR1 as low as |
Estimated monthly payment |
---|---|---|
1APR is annual percentage rate. |
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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. |
Loan Type |
Maximum Loan Amount |
Terms |
APR Rate |
---|---|---|---|
APR is annual percentage rate. |
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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
8.00% 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%. |
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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 |
Card Type |
APR as low as |
Credit Limit |
---|---|---|
1Prime plus 3.00%. |
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Card Type Business VISA |
APR as low as 11.00%1 |
Credit Limit $1,000.00 to $25,000.00 |