FEATURED RATES
NEW! Kasasa Take-Back Loans
Pay ahead on your loan with the freedom to take it back.
Eligible Loans:
- New & Used Auto
- Signature Personal Loans
90 Days No Pay
No payment for the first 90 days on all auto loans.
GET PREAPPROVED
*Credit approval required. Interest accrues from date loan is funded.
First-Time Homebuyer
Limited-Time Offers:
- 4.75%* First-Time Homebuyer MSHDA Rate Relief
- $25,000 First-Generation Down Payment Assistance
LEARN MORE
*Other restrictions may apply.
Vehicle Loan Rates
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2023 & Newer | 6.334% | 6.24% | Eligible for Take-Back |
| 37 to 48 Months | 2023 & Newer | 6.311% | 6.24% | Eligible for Take-Back |
| 49 to 60 Months | 2023 & Newer | 6.298% | 6.24% | Eligible for Take-Back |
| 61 to 72 Months | 2023 & Newer | 6.789% | 6.74% | Eligible for Take-Back |
| 73 to 84 Months (Minimum $10,000 Loan) |
2023 & Newer | 7.033% | 6.99% | Eligible for Take-Back |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Up to 36 Months | 2014 & Newer | 6.334% | 6.24% | |
| 37 to 48 Months | 2014 & Newer | 6.311% | 6.24% | |
| 49 to 60 Months | 2014 & Newer | 6.298% | 6.24% | |
| 61 to 66 Months | 2014 & Newer | 6.793% | 6.74% | |
| 61 to 72 Months | 2014 & Newer | 6.789% | 6.74% | |
| 73 to 84 Months | 2020 & Newer | 7.033% | 6.99% | |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate. | ||||
| Loan Term \ Details | Year of Vehicle | APR* as low as | Interest Rate |
|---|---|---|---|
| Up to 60 Months | 2014 – 2025 | 7.799% | 7.74% |
| 61 to 72 Months | 2014 – 2025 | 8.290% | 8.24% |
*APR=Annual Percentage Rate. Rates listed represent our best rates and include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. First-Time Auto loans are not eligible for Kasasa Take-Back features. To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as | Interest Rate |
|---|---|---|---|
| All Recreation Units 2014 or newer | Up to 36 Months | 8.148% | 7.99% |
| All Recreation Units 2014 or newer | 37 to 48 Months | 8.111% | 7.99% |
| All Recreation Units 2014 or newer | 49 to 60 Months | 8.049% | 7.99% |
| All Recreation Units 2014 or newer | 61 to 72 Months | 8.540% | 8.49% |
| All Recreation Units 2020 or newer | 73 to 84 Months | 8.781% | 8.75% |
| All Recreation Units 2020 or newer | 85 to 120 Months | 9.013% | 8.99% |
| Large Recreation Units 2020 or newer - $10,000 Minimum | 121 to 180 Months | 10.007% | 9.99% |
*APR=Annual Percentage Rate. Rates listed represent our best rates and does not include a $35.00 processing fee. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. Recreational vehicle loans are not eligible for Take-Back feature. To view Payment Examples please select the hyperlinks on each loan rate. | |||
HOME Loan Rates
| Description | Loan Term \ Details | APR* | Interest Rate |
|---|---|---|---|
| 10 Year Balloon | 20% Down Payment Payments amortized 360 months |
6.428% | 5.990% |
| 10 Year Balloon | 5% Down Payment Payments amortized 360 months |
6.625% | 5.990% |
| 15-Year Fixed | 5% Down Payment Payments amortized 180 months |
7.094% | 6.500% |
| 20-Year Fixed | 5% Down Payment Payments amortized 240 months |
7.104% | 6.625% |
| 30-Year Fixed | 5% Down Payment Payments amortized 360 months |
7.118% | 6.750% |
| 30-Year Fixed, Home Possible | 3% Down Payment Payments amortized 360 months |
7.049% | 6.500% |
| Land Loan | 20% Down Payment, Payments amortized up to 240 months | 9.478% | 8.000% |
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. The Annual Percentage Rates for the 15-Year, 20-Year, and 30-Year Fixed loans are quoted without PMI premiums or any discount points. To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as | Interest Rate |
|---|---|---|---|
| MSHDA | 5% Down Payment Payments amortized 360 months |
6.581% | 6.00% |
| MSHDA with DPA** | 10% Down Payment Payments amortized 360 months |
7.159% | 6.625% |
| MSHDA Rate Relief | 5% Down Payment Payments amortized 360 months | 5.203% | 4.75% |
| MSHDA Rate Relief w/DPA** | 10% Down Payment Payments amortized 360 months | 5.841% | 5.375% |
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. **Down Payment Assistance To view Payment Examples please select the hyperlinks on each loan rate. | |||
| Description | Loan Term \ Details | APR* as low as |
|---|---|---|
| Home Equity Line of Credit | Please call Jolt CU for details | 7.50% |
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. | ||
Kasasa account rates
| Account Type | Minimum Balance to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Compounded/Paid |
|---|---|---|---|---|
| Kasasa Cash® Checking (if qualifications are met)1, 2 |
$0.00-15,000 | 4.17% | 4.25% | Monthly/Monthly |
| Kasasa Cash® Checking (if qualifications are met)1, 2 |
$15,000.00 or greater | 0.399% | 4.25% to 0.90%3 | Monthly/Monthly |
| Kasasa Cash® Checking (if qualifications are NOT met) 1 |
$0.00 | 0.05% | 0.05% | Monthly/Monthly |
| Kasasa Saver® (if qualifications are met)1, 2 |
$0.00 - $50,000.00 | 1.48% | 1.50% | Monthly/Monthly |
| Kasasa Saver® (if qualifications are met) 1 |
$50,000.00 or greater | 0.399% | 0.40% to 0.77%4 | Monthly/Monthly |
Rate Information: The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the divided rate and frequency of compounding for an annual period. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union Board of Directors. The Kasasa Saver and Kasasa Cash accounts are tiered rate accounts. To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account(s) during each monthly Qualification Cycle: a) At least 12 debit card purchases; b) At least 1 direct deposit or automatic payment (ACH); c) Be enrolled in and agree to receive eStatements. 1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account(s) during each monthly Qualification Cycle: a) At least 12 debit card purchases; b) At least 1 direct deposit or automatic payment (ACH); c) Be enrolled in and agree to receive eStatements. 2 Only the funds that comprise each tier will earn the rate for that tier. 3 The APY range is based on an assumed account balance of $15,000. The APY decreases as your balance increases. 4 The APY range is based on an assumed account balance of $150,000. The APY decreases as your balance increases. | ||||
SAVINGS RATES
| Account Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Savings | $5 | 0.050% | 0.050% | Monthly/Monthly |
| Miscellaneous Savings | $1 | 0.050% | 0.050% | Monthly/Monthly |
| Super Saver Account | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| Super Saver Account | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Christmas Club | $1 | 0.050% | 0.050% | Monthly/Monthly |
| IRA Share | $1 & Over | 0.050% | 0.050% | Monthly/Monthly |
| IRA Super Saver | $25,000 - $49,999 | 0.275% | 0.275% | Quarterly/Quarterly |
| IRA Super Saver | $50,000 & Over | 0.375% | 0.280% to 0.380% | Quarterly/Quarterly |
| Money Market | $1,000 - $9,999 | 0.200% | 0.200% | Daily/Monthly |
| Money Market | $10,000 & Over | 0.250% | 0.250% | Daily/Monthly |
| Super Saver Account is a Split Tier and each Tier will receive the dividend that applies. | ||||
| *APY=Annual Percentage Yield. Fees may reduce earnings. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Youth 3 Month** | $100 | 0.500% | 0.500% | Monthly/Monthly |
| Youth 6 Month** | $100 | 3.690% | 3.750% | Monthly/Monthly |
| Youth 12 Month** | $100 | 3.800% | 3.850% | Quarterly/Quarterly |
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly/Monthly |
| 6 Month | $1,000 | 3.690% | 3.750% | Monthly/Monthly |
| 12 Month | $1,000 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 39 Month Bump Up | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
| **Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $1,000 | 3.690% | 3.750% | Monthly / Monthly |
| 12 Month | $1,000 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $500 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $500 | 3.690% | 3.750% | Monthly / Monthly |
| 12 Month | $500 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $500 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
cREDIT CARDS
| Description | Feature | APR* as low as |
|---|---|---|
| Ignite Cash Back VISA | Earn Unlimited 2%* Cash Back | 11.90% |
| Platinum VISA Credit Card | 9.90% | |
| *Cash Back will be earned on all qualifying purchases (excludes balance transfers and cash advances) and may take up to 2-3 days to process credits. Rewards can be redeemed only in online and mobile banking once a minimum of $5 has been accumulated. Rewards will expire after 3 years. For more details call Jolt at 800-798-2328, or call (800) 637-7728 for Visa customer service. | ||
Personal loan rates
| Description | Loan Term \ Details | APR* as low as | Interest Rate | Loan Feature |
|---|---|---|---|---|
| Share-Secure Loan | Up to 12 Months | 3.050% | ||
| Share-Secure Loan | 13 to 36 Months | 4.050% | ||
| Signature Loan | Up to 60 Months | 11.904% | 11.75% | Eligible for Take-Back |
| Signature Loan - $10,000 Minimum | 61 to 72 Months | 11.882% | 11.75% | Eligible for Take-Back |
*APR=Annual Percentage Rate. Rates listed represent our best rates and are based on creditworthiness and qualifications.. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. To view Payment Examples please select the hyperlinks on each loan rate | ||||