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 ⁴eAdvantage 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 Keesler Federal 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, will earn the standard Ultimate Checking rates.
Type of Account² Ultimate Checking¹(balance under $2500)	Minimum Opening Balance³ $25.00	Minimum Balance Required $0.00	Dividends Rate 0.15%	APY¹ .15%
Type of Account² Ultimate Checking (balance over $2500)	Minimum Opening Balance³ $25.00	Minimum Balance Required $0.00	Dividends Rate 0.20%	APY¹ 0.20%
Type of Account² eAdvantage Checking⁴	Minimum Opening Balance³ $25.00	Minimum Balance Required $0.00	Dividends Rate 1.39%	APY¹ 1.40%

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
Type of Account Primary Share Savings	Minimum Balance Required $5.00	Dividend Rate¹ 0.25%	APY² 0.25%
Type of Account Alternative Share Savings	Minimum Balance Required $0.00	Dividend Rate¹ 0.30%	APY² 0.30%
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 $25.00	Dividend Rate¹ 0.75%	APY² 0.75%

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 0.40%	APY² 0.40%
Opening Balance¹ $10,000.00 - $49,999.99	Rate 0.40%	APY² 0.40%
Opening Balance¹ $50,000.00 - $99,999.99	Rate 0.45%	APY² 0.45%
Opening Balance¹ Balances $100,000.00 and above	Rate 0.50%	APY² 0.50%

High Interest Money Market (HIMMA) Plus

Opening Balance²	Rate¹	APY³
¹Promotional rate will revert to standard HIMMA rate after the term. ²New money only. $2,500 minimum to open account and to earn dividends. ³Annual Percentage Yield.
Opening Balance² $2,500.00 - $9,999.99	Rate¹ 1.39%	APY³ 1.40%
Opening Balance² $10,000.00 - $49,000.99	Rate¹ 1.39%	APY³ 1.40%
Opening Balance² $50,000.00 - $99,000.99	Rate¹ 1.44%	APY³ 1.45%
Opening Balance² Balances $100,000.00 and above	Rate¹ 1.49%	APY³ 1.50%

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

Share & IRA Certificate Rates

Term¹	Minimum Balance Required	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.
Term¹ 3 Month	Minimum Balance Required $1,000.00	Rate² 0.55%	APY³ 0.55%
Term¹ 6 Month	Minimum Balance Required $1,000.00	Rate² 0.60%	APY³ 0.60%
Term¹ 9 Month	Minimum Balance Required $1,000.00	Rate² 0.65%	APY³ 0.65%
Term¹ 1 Year	Minimum Balance Required $1,000.00	Rate² 1.05%	APY³ 1.05%
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 1.10%	APY³ 1.10%
Term¹ 18 Month	Minimum Balance Required $1,000.00	Rate² 1.19%	APY³ 1.20%
Term¹ 19 Month	Minimum Balance Required $1,000.00	Rate² 1.10%	APY³ 1.10%
Term¹ 2 Year	Minimum Balance Required $1,000.00	Rate² 1.34%	APY³ 1.35%
Term¹ 3 Year	Minimum Balance Required $1,000.00	Rate² 1.54%	APY³ 1.55%
Term¹ 3 Year Bump Rate	Minimum Balance Required $1,000.00	Rate² 1.49%	APY³ 1.50%
Term¹ 4 Year	Minimum Balance Required $1,000.00	Rate² 1.79%	APY³ 1.80%
Term¹ 5 Year	Minimum Balance Required $1,000.00	Rate² 2.03%	APY³ 2.05%

21 Month Step Certificate Rates - $1,000 Minimum to Open

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. APR is annual percentage rate. *APY is annual percentage yield.
Type 21 Month Step	First 7 Months APR* 1.50%	Second 7 Month APR* 2.50%	Final 7 Month APR* 3.50%	Blended APY** 2.54%
Type 21 Month Step IRA	First 7 Months APR* 1.50%	Second 7 Month APR* 2.50%	Final 7 Month APR* 3.50%	Blended APY** 2.54%
Type 21 Month Step Business	First 7 Months APR* 1.50%	Second 7 Month APR* 2.50%	Final 7 Month APR* 3.50%	Blended APY** 2.54%

30 Month Step Certificate Rates - $1,000 Minimum to Open

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. APR is annual percentage rate. *APY is annual percentage yield.
Type 30 Month Step	First 10 Months APR* 2.00%	Second 10 Months APR* 3.00%	Final 10 Months APR* 4.00%	Blended APY 3.10%
Type 30 Month Step IRA	First 10 Months APR* 2.00%	Second 10 Months APR* 3.00%	Final 10 Months APR* 4.00%	Blended APY 3.10%
Type 30 Month Step Business	First 10 Months APR* 2.00%	Second 10 Months APR* 3.00%	Final 10 Months APR* 4.00%	Blended APY 3.10%

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

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. APR is annual percentage rate. *APY is annual percentage yield.
Type 21 Month Step Jumbo	First 7 Months APR* 1.60%	Second 7 Month APR* 2.60%	Final 7 Months APR* 3.60%	Blended APY** 2.65%
Type 21 Month Step IRA Jumbo	First 7 Months APR* 1.60%	Second 7 Month APR* 2.60%	Final 7 Months APR* 3.60%	Blended APY** 2.65%
Type 21 Month Step Business Jumbo	First 7 Months APR* 1.60%	Second 7 Month APR* 2.60%	Final 7 Months APR* 3.60%	Blended APY** 2.65%

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

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. APR is annual percentage rate. *APY is annual percentage yield.
Type 30 Month Step Jumbo	First 10 Months APR* 2.10%	Second 10 Months APR* 3.10%	Final 10 Months APR* 4.10%	Blended APY** 3.21%
Type 30 Month Step IRA Jumbo	First 10 Months APR* 2.10%	Second 10 Months APR* 3.10%	Final 10 Months APR* 4.10%	Blended APY** 3.21%
Type 30 Month Step Business Jumbo	First 10 Months APR* 2.10%	Second 10 Months APR* 3.10%	Final 10 Months APR* 4.10%	Blended APY** 3.21%

Jumbo Share & IRA Certificates

Term¹	Minimum Balance Required	Dividend Rate²	APY³
Term¹ 3 Month	Minimum Balance Required $100,000	Dividend Rate² 0.65%	APY³ 0.65%
Term¹ 6 Month	Minimum Balance Required $100,000	Dividend Rate² 0.70%	APY³ 0.70%
Term¹ 9 Month	Minimum Balance Required $100,000	Dividend Rate² 0.75%	APY³ 0.75%
Term¹ 1 Year	Minimum Balance Required $100,000	Dividend Rate² 1.14%	APY³ 1.15%
Term¹ 18 Month	Minimum Balance Required $100,000	Dividend Rate² 1.29%	APY³ 1.30%
Term¹ 2 Year	Minimum Balance Required $100,000	Dividend Rate² 1.44%	APY³ 1.45%
Term¹ 3 Year	Minimum Balance Required $100,000	Dividend Rate² 1.64%	APY³ 1.65%
Term¹ 3 Year Bump Rate	Minimum Balance Required $100,000	Dividend Rate² 1.59%	APY³ 1.60%
Term¹ 4 Year	Minimum Balance Required $100,000	Dividend Rate² 1.89%	APY³ 1.90%
Term¹ 5 Year	Minimum Balance Required $100,000	Dividend Rate² 2.13%	APY³ 2.15%

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 2.49%	Estimated monthly payment for 36-month term Monthly payments are approximately $28.89 per $1000 borrowed at 2.49% APR for 36 months.
Type Used Auto (3-6 years old)	APR as low as¹ 2.99%	Estimated monthly payment for 36-month term Monthly payments are approximately $29.12 per $1000 borrowed at 2.99% APR for 36 months.
Type Older Auto (7-9 years old)	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 Older Auto (10-24 years old)	APR as low as¹ 9.39%	Estimated monthly payment for 36-month term Monthly payments are approximately $32.12 per $1000 borrowed at 9.39% APR for 36 months.
Type Classic Auto (25 years and older)	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.

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 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 (previous year models and older)	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 4.75%	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.

Mortgage & Home Equity Rates

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. 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. Up to 90% of available equity. Term offered is 20 years. Lender credit towards closing cost with a $10,000.00 minimum advance requirement. Loans completed with lender credit towards closing costs on new loans only. Loan must be maintained for 24 months to avoid repayment of closing costs. 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. Sample payment: Assumes credit score for borrower is 740 or higher. A typical Home Equity Line of Credit as of August 1, 2019 with a 5.25% APR, and $30,000 financed for 20 years, is approximately $202.15 per month. 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% LTV¹	APR as low as⁵ as low as 6.25%
Type Land Loan (Fixed Rate) Up to 90% LTV ¹	APR as low as⁵ as low as 6.75%²
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 5.25%⁶

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 9.49%²	Estimated monthly payment Monthly payments are approximately $21.09 per $1000 borrowed at 9.49% 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.

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 prior quarter Share Certificate rate

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 2.50% APR 12.50% APR ¹

Prime Rate

5.25% 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.

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 5.50%¹	Credit Limit $5,000.00 to $25,000.00
Card Type Visa Platinum	APR as low as 5.50%¹	Credit Limit $1,000.00 to $25,000.00
Card Type Visa Classic	APR as low as 5.50%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 8.50%¹	Credit Limit $1,000.00 to $25,000.00

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Prime Rate