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

Kasasa Cash Checking Qualified4

Minimum Opening Balance3

$25

Minimum Balance Required

$0

Dividends Rate

no icon

APY1

no icon

Type of Account2

Balances up to and including $25,000

Minimum Opening Balance3

no icon

Minimum Balance Required

no icon

Dividends Rate

4.89%

APY1

5.00%

Type of Account2

Balances greater than $25,000 (blended rate)

Minimum Opening Balance3

no icon

Minimum Balance Required

no icon

Dividends Rate

0.50%

APY1

1.38% to 5.00%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
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

Kasasa Saver Qualified - Balances up to $150,000

Minimum Balance Required

no icon

Dividend Rate1

0.99%

APY2

1.00%

Type of Account

Kasasa Saver Qualified - Balances over $150,000

Minimum Balance Required

no icon

Dividend Rate1

0.40%

APY2

1.00% to 0.76%4

Type of Account

Kasasa Saver Non-Qualified

Minimum Balance Required

no icon

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 Plus High Interest Money Market Account2

Opening Balance

Rate

APY1

1Annual Percentage Yield
2Promotional rate available on new deposits only. Dividends paid at rate of 3.00% APY or 2.96% interest rate for the first 6 months. Limit of 6 pre-authorized withdrawals/transfers per month. At the end of the sixth month, balance can be rolled into a regular HIMMA account or savings account.

Opening Balance

$0

Rate

2.96%

APY1

3.00%

See our Truth in Savings statement for Deposit Account Rates, Terms & Fees

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

3 Month

Minimum Balance Required

$1,000.00

Dividend Rate2

0.25%

APY3

0.25%

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

$1,000.00

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

0.70%

APY3

0.70%

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

1.09%

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%
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

0.80%

APY3

0.80%

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%

See our Truth in Savings statement for Deposit Account Rates, Terms & Fees

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

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

Used Auto
(3-6 years old)

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

Older Auto
(7-9 years old)

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

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 $30.64 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

7.54%

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*
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.
Shared Secured Loans

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 the certificate rate at the time of the loan
KreditLine

Loan Type

Loan Amount

Payment

Dividend Rate

1 Variable rate 2.50% above prior quarter lowest share dividend rate.
APR is annual percentage 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

2.65% APR 1

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.

 

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