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%

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 as2

1 LTV – Loan to Value (Value equals the lower of appraised value or purchase price).
2 Actual rates vary based on credit history.
3 Example: Monthly payments are approximately $392.00 on $45,000 borrowed at 6.789% APR for 15 years. Example does not include taxes and insurance.
4 Maximum Loan Amount of $150,000.00. Up to 90% of available 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 about $800.00 to $2,000.00. On any loan in which KFCU paid 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.

Only primary residences in Alabama, Mississippi, Louisiana and Florida are eligible for mortgage loan products. All home construction must be 100% complete.

5 Rate 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.

Sample payment: Assumes credit score for borrower is 740 or higher. A typical Home Equity Line of Credit as of December 26, 2018 with a 5.50% APR, and $30,000 financed for 20 years, is approximately $206.37 per month. All closings costs paid by KFCU.

6 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.

Type

Mortgage

APR as low as2

Visit our mortgage center for current rates

Type

Land Loan (Variable Rate)
Up to 90% LTV1

APR as low as2

as low as 6.00%

Type

Land Loan (Fixed Rate)
Up to 90% LTV1

APR as low as2

as low as 6.50%3

Type

Home Equity Line of Credit (HELOC)4

APR as low as2

Prime Rate plus a margin (variable rate).
Margin will range from 0.00% APR up to 5.50% APR based on credit history.5

Type

Prime Rate

APR as low as2

5.50%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

5.50% 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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