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Rates

  • Loan Rates

    Loan Rates

    New/Used Auto & Motorcycles >499CC

    TermRate*
    12-36 MonthsAs low as 3.24%APR*
    37-48 MonthsAs low as 3.49%APR*
    49-60 MonthsAs low as 3.49%APR*
    61-72 MonthsAs low as 3.74%APR*
    73-84 MonthsAs low as 4.24%APR*

    *APR= Annual Percentage Rate.Rates and term are subject to change without notice. Motorcycle >499cc must be financed for at least $5,000 and 36 months to earn the auto rate.

    New 2017 & 2018 Model Year Lansing Made Autos

    TermRate*
    12-36 MonthsAs low as 3.24%APR*
    37-48 Months As low as 3.49%APR*
    49-60 MonthsAs low as 3.49%APR*
    61-72 MonthsAs low as 3.74%APR*
    73-84 MonthsAs low as 4.24%APR*

    *APR= Annual Percentage Rate.Rates and term are subject to change without notice.

    New/Used RV

    TermRate*
    Up to 48 MonthsAs low as 6.24%APR*
    49-60 Months As low as 6.49%APR*
    61-72 Months As low as 6.74%APR*
    73-84 Months As low as 7.24%APR*
    85-120 MonthsAs low as 7.49%APR*
    121-144 MonthsAs low as 7.74%APR*
    145-180 Months As low as 7.99%APR*

    This category includes RVs, Snowmobiles, Motorcycle and ATVs.
    *APR=Annual Percentage Rate. Rates and term are subject to change without notice

    New/Used Motorcycles <500CC

    TermRate*
    Up to 48 MonthsAs low as 6.24%APR*
    49-60 MonthsAs low as 6.49%APR*
    61-72 Months As low as 6.74%APR*
    73-84 Months As low as 7.24%APR*
    85-120 Months As low as 7.49%APR*

    This category includes RVs, Snowmobiles, Motorcycle and ATVs.
    * APR=Annual Percentage Rate. Rates and term are subject to change without notice

    Revolving Credit

    TermRate*
    72 MonthsAs low as 9.45%APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Share Secured Loan

    TermRate*
    to 60 Months on share or certificate maturity3.0 points over dividend rate

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Unsecured Loan

    TermRate*
    12-36 MonthsAs low as 7.99%APR*
    37-48 Months As low as 9.24%APR*
    49-60 MonthsAs low as 10.49%APR*
    61-72 Months As low as 10.99%APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Credit Builder

    TermRate*
    6-48 Months 14.99%APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Open Ended Variable Home Equity Loan

    TermRate*
    n/aAs low as 5.50%APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

    Closed End Home Equity Loan

    TermRate*
    60 MonthsAs low as 5.50%APR*
    120 MonthsAs low as 5.50%APR*
    180 MonthsAs low as 5.75%APR*
    240 MonthsAs low as 6.00%APR*

    *APR=Annual Percentage Rate. Rates and term are subject to change without notice.

  • Account Rates

    Account Rates

    Kasasa Cash*

    BalanceRateAPY
    Up to $7,5002.96%3.00%
    $7,500 and greater0.01%0.01%
    Qualifiers Not Met0.01%0.01%

    *To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
    Have at least 15 debit card purchases clear
    Be enrolled in eStatement notices
    Have at least 1 automatic direct deposit (ACH) or online bill payment clear
    Be enrolled and log into online or mobile banking at least once

    APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 12/01/2018. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $7,500 receive APY of 3.00% with a rate of 2.96%; and (3) balances over $7,500 earn 0.01% APY with a rate of .01% on portion of balance over $7,500, resulting in 3.00% - 0.22% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY with a rate of 0.01%. Qualifying transactions must clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.

    Kasasa Saver*

    BalanceRateAPY
    Up to $50,0000.75%0.75%
    $50,000 and greater0.01%0.01%
    Qualifiers Not Met0.01%0.01%

    *To earn your rewards, simply do the following activities and transactions in your Kasasa Saver account each monthly qualification cycle:
    Have at least 15 debit card purchases clear
    Be enrolled in eStatement notices
    Have at least 1 automatic direct deposit (ACH) or online bill payment clear
    Be enrolled and log into online or mobile banking at least once
    Kasasa Cash + Kasasa Saver
    *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1)business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your accounts on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 0.75%; and balances over $50,000 earn 0.01% interest rate on the portion of balance over $50,000, resulting in a range from 0.75% to 0.26% APY depending on the account's balance. Kasasa Cash: 3.00% APY on balances up to $7,500 and 0.01% interest rate on the portion of the balance over $7,500 resulting in 3.00% - 0.10% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY. When Kasasa Cash qualifications are not met, Kasasa Saver and Kasasa Cash: All balances earn 0.01% APY. APY = Annual Percentage Yield. APY is accurate as of 12/1/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account(s) per social security number. Dividends earned in Kasasa Cash are automatically deposited to Kasasa Saver at the end of each statement cycle. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA]. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

    Kasasa Cash Back + Kasasa Saver
    *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1)business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your accounts on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 0.75%; and balances over $50,000 earn 0.01% interest rate on the portion of balance over $50,000, resulting in a range from 0.75% to 0.26% APY depending on the account's balance. Kasasa Cash Back: 2.00% cash back on up to a total of $250. Debit card purchases that post and settle to the account during that cycle period. A maximum of $5.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.01% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APY is accurate as of 9/1/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. Limit 1 account(s) per social security number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA]. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

    Member Share*

    Minimum BalanceDividend/ Interest RateAPY
    $50.05%0.05%

    *This account will not earn interest unless it maintains a minimum daily balance of $100.

    Star Saver

    Minimum BalanceDividend/ Interest RateAPY
    $00.05%0.05%
    $1000.10%0.10%

    Money Market

    Minimum BalanceDividend/ Interest RateAPY
    $2,0000.20%0.20%
    $20,0000.50%0.50%
    $75,0000.60% 0.60%
    $200,0000.75%0.75%

    Christmas Club

    Minimum BalanceDividend/ Interest RateAPY
    $00.05%0.05%

    Health Savings (HSA)

    Minimum BalanceDividend/ Interest RateAPY
    $400.15%0.15%

    yourMONEY*

    Minimum BalanceDividend/ Interest RateAPY
    $51.00%1.00%

    *Interest rate of 1.00% with an APY of 1.00% will be paid only on the portion of your daily balance that is less than $1,000; an interest rate of 0.05% with an APY of 0.05% will be paid only on that portion of your daily balance over $1,000. The annual percentage yield will range from 0.05% to 1.00%, depending on the balance in the account. $5.00 per month Single Service Account Fee will be waived when you are a YourMoney account holder and are signed up for both e-statements and online banking. All rates subject to change at any time without notice. Refer to the current Rate and Fee Schedule for any related fees associated with this account.

    Check “Plus”

    Minimum BalanceDividend/ Interest RateAPY
    $2,5000.05%0.05%

    *This account will not earn interest unless it maintains a minimum daily balance of $2,500.

    Certificates of Deposit

    Name Minimum BalanceDividend/ Interest RateAPY
    6 Month$5001.34%1.35%
    One Year$5001.74%1.75%
    18 Month$5001.79%1.80%
    Two Year$5001.88%1.90%
    Three Year$5002.08%2.10%
    Four Year$5002.08%2.10%
    Five Year$5002.23% 2.25%
    Five Year Jumbo$50,0002.33%2.35%
    Save to Win$250.75%0.75%