Savings

Share/Savings Account Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual
Percentage Yield (APY)
Monthly Fees
Regular Share Accounts thru $999.99 $5.00 $5.00 0.05% 0.05% -0-
Regular Share Accounts $1,000 thru $4,999.99 $5.00 $5.00 0.05% 0.05% -0-
Regular Share Accounts $5,000 thru $9,999.99 $5.00 $5.00 0.05% 0.05% -0-
Regular Share Accounts $10,000 and Over $5.00 $5.00 0.10% 0.10% -0-

*Rates are variable and may change after account is opened. Fees may reduce earnings.

Club Account Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

 

Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Monthly Fees
Club Accounts $5.00 $5.00 0.10% 0.10% -0-
IRA Club Account $100.00 $100.00 0.10% 0.10% -0-

*Rates are variable and may change after account is opened. Fees may reduce earnings.

Summer Pay Account

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

 

Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY) Fees And Charges
Summer Pay Accounts -0- -0- 0.10% 0.10% -0-

*Rates are variable and may change after account is opened. Fees may reduce earnings.

Share Certificate Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

Account Name Minimum to Open/Earn APY Dividend Rate Annual
Percentage
Yield (APY)
6 Months Share Certificate $ 1,000.00 0.30% 0.30%
12 Months Share Certificate $ 1,000.00 0.35% 0.35%
18 Months Share Certificate $ 1,000.00 0.40% 0.40%
24 Months Share Certificate $ 1,000.00 0.55% 0.55%
36 Months Share Certificate $ 1,000.00 0.75% 0.75%
48 Months Share Certificate $ 1,000.00 0.85% 0.85%
60 Months Share Certificate $ 1,000.00 1.24% 1.25%

Fees may reduce earnings. Early withdrawal penalties may apply.

Simple Share Certificate Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

Account Name Minimum to Open/Earn APY Dividend Rate Annual Percentage Yield (APY)
12 Months Simple Share Certificate $25.00 0.05% 0.05%

Fees may reduce earnings. Early withdrawal penalties may apply.

IRA Certificate Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

Account Name Minimum to Open/Earn APY Dividend Rate Annual
Percentage
Yield (APY)
12 Months Traditional/ Roth/Coverdell/ IRA Certificate $ 100.00 0.35% 0.35%
24 Months Traditional/ Roth/Coverdell/ IRA Certificate $ 100.00 0.55% 0.55%
36 Months Traditional/ Roth/Coverdell/ IRA Certificate $ 100.00 0.75% 0.75%
48 Months Traditional/ Roth/Coverdell/ IRA Certificate $ 100.00 0.85% 0.85%
60 Months Traditional/ Roth/Coverdell/ IRA Certificate $ 100.00 1.24% 1.25%

Early withdrawal penalties may apply.

Money Market Rates

Rates Effective As Of 03/24/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE.

Account Name Minimum Opening Balance Minimum To Earn Dividend Variable Dividend Rate* Annual Percentage Yield (APY)
$1,000.00 – $9,999.99 $1,000.00 $1,000.00 0.05% 0.05%
$10,000.00 – $24,999.99 $1,000.00 $1,000.00 0.10% 0.10%
$25,000.00 – $49,999.99 $1,000.00 $1,000.00 0.15% 0.15%
$50,000.00 – $99,999 99 $1,000.00 $1,000.00 0.20% 0.20%
$100,000.00 and over $1,000.00 $1,000.00 0.25% 0.25%

*Rates are variable and may change after account is opened. Fees may reduce earnings. Accounts with less than $1,000 will not earn dividends.
Dividends compounded and paid monthly.

Loans

New Auto Rates

New Auto Rates apply to current model year, plus three prior years, with less than 35,000 miles.
Rates Effective As Of 3/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
Up to 48 mo. N/A 1.99% – 14.24% $21.69 – $27.45
66 mo.  $10,000 1.99% – 14.24% $16.01 – $21.94
75 mo.  $15,000 2.49% – 17.50% $14.41 – $20.73
84 mo.  $25,000 3.49% – 17.50% $13.44 – $20.73

Used Auto Rates

Rates Effective As Of 3/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
Up to 48 mo. N/A 2.49% – 15.24% $21.91 – $27.95
66 mo.  $10,000 2.49% – 15.24% $16.23 – $22.47
75 mo.  $15,000 2.99% – 17.50% $14.63 – $22.02
84 mo.  $25,000 3.99% – 17.50% $13.66 – $20.73

Motorcycle Loan Rates

Rates Effective As Of 2/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
1.99% – 14.49%
2.99% – 15.49%
2.99% – 15.49%
3.99% – 16.49%
$28.64 – $34.42
$22.13 – $28.08
$17.96 – $24.08
$15.64 – $21.96
USED: 36 mo.
48 mo.
60 mo.
72 mo.
N/A
N/A
$10,000
$20,000
2.49% – 14.99%
3.49% – 15.99%
3.49% – 15.99%
4.49% – 16.99%
$28.86 – $34.66
$22.35 – $28.34
$18.19 – $24.31
$15.87 – $22.24
Recreational Loan Rates*

Rates Effective As Of 2/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.49% – 14.49%
3.49% – 15.49%
3.49% – 15.49%
4.49% – 16.49%
5.49% – 17.49%
6.49% – 17.49%
6.99% – 17.49%
$28.86 – $32.73
$22.35 – $28.08
$13.44 – $19.57
$12.42 – $18.82
$10.85 – $17.69
$10.01 – $16.65
$8.98 – $15.74
USED: 36 mo.
48 mo.
84 mo.
96 mo.
120 mo.
144 mo.
180 mo.
N/A
N/A
$10,000
$20,000
$30,000
$50,000
$75,000
2.99% – 14.99%
3.99% – 15.99%
3.99% – 15.99%
4.99% – 16.99%
5.99% – 17.99%
6.99% – 17.99%
7.49% – 17.99%
$29.08 – $34.66
$22.57 – $28.34
$13.66 – $19.86
$12.66 – $19.12
$11.10 – $18.01
$10.28 – $16.98
$9.26 – $16.10

*Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
Collateral conditions apply.

Smart Personal Loan Rates

Rates Effective As Of 2/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Smart Personal Loan: Maximum $20,000 60 Mo Lowest – Highest
10.50% – 17.75%
Lowest – Highest
$21.49 – $25.26


Ready Cash Line of Credit Rates

Rates Effective As Of 02/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Ready Cash Line of Credit/
Overdraft Protection
N/A Lowest – Highest
13.50% – 18.00%¹
$30.00²

¹Your APR will depend on your creditworthiness.
²Your monthly payment will be 3% of the credit limit with a minimum of $25.

There is no grace period and interest will begin to accrue on the date of the transaction or advance.

Secured Loans

Rates Effective As Of 02/01/2017. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants.

TYPE OF LOAN MAXIMUM LOAN AMOUNT MAXIMUM REPAYMENT Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
Share Certificate Up to 95% of share certificate Not to exceed maturity date of certificate The loan APR is 3.00% above the dividend rate paid on the Share Certificate. $29.41¹
Share Secured Up to 95% of the available shares 144 Mo. The loan APR is 3.00% above the dividend rate paid on the Share Account. $8.30²
IRA Loan $5,500
($6,500 if age 50 and over Funds deposited to KSFCU IRA)
12 Mo. 3.00% $84.69³

¹Payment per $1000 is based on a 36 month term with an APR of 3.75%. Example would be a Share Certificate rate of 0.75% plus 3.00%.

²Payment per $1000.00 based on a 144 month term with an APR of 3.05%. Example would be a Share Account rate of 0.05% plus 3.00%.

³Payment per $1000.00 based on a 12 month term with an APR of 3.00%.

 

Watercraft Loan Rates

Rates current as of 2/01/2017. All rates, terms and conditions subject to change. Rates and terms will vary based on the credit worthiness of individual applicants.

CONSUMER RATES FOR TITLED VEHICLES Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment per $1000 Borrowed
Maximum Terms May Vary Lowest – Highest Lowest – Highest
NEW: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
3.99% – 14.49%
4.99% – 15.49%
4.99% – 15.49%
5.99% – 16.49%
6.99% – 17.49%
7.49% – 17.49%
7.99% – 17.49%
$29.52 – $34.42
$23.02 – $28.08
$18.87 – $24.08
$16.57 – $21.96
$15.09 – $20.72
$13.88 – $19.42
$12.13 – $17.69
USED: 36 mo.
48 mo.
60 mo.
72 mo.
84 mo.
96 mo.
120 mo.
N/A
N/A
$10,000
$10,000
$15,000
$30,000
$50,000
4.49% – 14.99%
5.49% – 15.99%
5.49% – 15.99%
6.49% – 16.99%
7.49% – 17.99%
7.99% – 17.99%
8.49% – 17.99%
$29.74 – $34.66
$23.25 – $28.34
$19.10 – $24.31
$16.81 – $22.24
$15.33 – $21.01
$14.13 – $19.72
$12.39 – $18.01

Fixed Rate Home Loans

Conventional First Mortgage Rates


Rates Effective As Of 04/05/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Upon underwriting approval, the appraisal fee and a non-refundable application fee of $100 will be collected before the appraisal will be ordered.

Loan Term* Rate Points Annual Percentage Rate
30 Year 4.250% 0.250% 4.314%
20 Year 4.000% 0.250% 4.087%
15 Year 3.500% 0.250% 3.610%
10 Year 3.375% 0.250% 3.534%


*Conventional Payment Example:  A loan amount of $424,100 for 30 years at 4.314% APR would have a monthly payment of $2,086.00. This example does not include taxes and insurance. Your actual payment obligation will be higher.



Annual Percentage Rates (APR) are based on loan amounts of $424,100 for conforming loans plus pre-paid fees and 95% loan-to-value (LTV) ratio. PMI is required on loans over 80% LTV.

VA Loan Rates

Rates Effective As Of 4/26/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Term* Rate Points Annual Percentage Rate
30 Year 3.750% 0.125% 3.908%
15 Year 3.250% 0.125% 3.523%

*VA Payment Example: A $424,100 loan for 30 years at 3.908% APR would have a monthly payment of $1,964.07. This example does not include taxes and insurance. Your actual payment obligation will be higher.


Annual Percentage Rates (APR) based on loan amount of $368,750

FHA Loan Rates

Rates Effective As Of 4/26/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Term* Rate Points Annual Percentage Rate
30 Year 3.750% 0.125% 3.943%
15 Year 3.250% 0.125% 3.582%

*FHA Payment Example: A $275,665 loan for 30 years at 3.943% APR would have a monthly payment of $1,276.65. This example does not include taxes and insurance. Your actual payment obligation will be higher.


MIP is required on all FHA loans for life regardless of the loan to value.
FHA Maximum Loan Amounts: 1 unit=$275,665 | 2 unit = $352,950 | 3 unit = $426,625 | 4 unit = $530,150
Annual Percentage Rates (APR) are based on loan amount of $275,665

Manufactured Housing Rates

Rates Effective As Of 3/21/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Term* Rate Points Annual Percentage Rate
30 Year 4.250% 0.750% 4.384%
20 Year 4.125% 0.750% 4.308%

*Manufactured Payment Example: A $424,100 loan for 30 years at 4.384% APR would have a monthly payment of $2,086.32. This example does not include taxes and insurance. Your actual payment obligation will be higher.


Annual Percentage Rates (APR) are based on loan amounts of $424,100 for conforming loans plus pre-paid fees and 95% loan-to-value (LTV) ratio. PMI is required on loans over 80% LTV.

Manufactured homes must be on a permanent foundation and a recorded “Notice of Manufactured Home, Mobile Home, or Commercial Coach Installation on a Foundation system”, also known as 433A, must be presented to us prior to approval. (Primary Residence and Vacation Homes).

Investment Property Rates

Rates Effective As Of 04/05/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Term* Rate Points** Annual Percentage Rate
30 Year 4.500% 2.250% 4.764%
15 Year 3.750% 2.250% 4.195%

*Investment Payment Example: A $424,100 loan for 30 years at 4.764% APR would have a monthly payment of $2,148.85. This example does not include taxes and insurance. Your actual payment obligation will be higher.


Minimum 20% down payment is required on 1 unit properties. Minimum 25% down payment is required on 2-4 unit properties

Annual Percentage Rates (APR) are based on loan amounts of $424,100 for conforming loans plus pre-paid fees and 80% loan-to-value (LTV) ratio. PMI is required on loans over 80% LTV.

**Base point structures listed are for loan-to-values up to 75%. If you are applying for a loan that has a loan-to-value between 75-80%, then the base point structure is increased by 1.000% additional points.

Adjustable Rate* Home Loans

Conventional Loan Rates

Rates Effective As Of 12/15/2016. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
5/1 Adj
Margin 2.25-Cap 2/5
30 Year 3.125%
3.375%
1.250%
0.250%
3.144%
3.153%
7/1 Adj
Margin 2.3750% – Cap 5/2/5
30 Year 3.250%
3.500%
1.250%
0.250%
3.296%
3.334%

Adjustable Rate Mortgages (ARM) have a fixed rate for an initial period of 5 or 7 years; then adjust annually thereafter. Subject to index, margin, and periodic rate caps. Adjustable rate will be based on the weekly average yield on United States treasury securities adjusted to a constant maturity of one year.

Annual Percentage Rates (APR) are based on loan amounts of $424,100 for conforming loans, plus pre-paid fees and 80% loan-to-value (LTV) ratio and does not include Private Mortgage Insurance (PMI). PMI is required on loans over 80% LTV.

Appraisal Fee is required before the appraisal can be ordered.

Rate Lock Fee:60 day lock – no charge; 90 day lock – 0.50% point

Interest rate locks can only be implemented once all credit issues are resolved and appraisal fee has been received. Interest rates are subject to change daily.

Cash-Out Refinance Fee: Subject to Credit Score and loan-to-value (LTV) ratio.

Single Family Residences, Condos, Planned Unit Development (PUD).

*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

Jumbo Loan Rates

Rates Effective As Of 12/15/2016. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Program Loan Term Rate Points Adjustable Annual Percentage Rate
5/1 Adjustable Margin 2.500%
Cap 2/5
30 Year 3.875% 0.250% 3.486%
7/1 Adjustable Margin 2.625%
Cap 5/2/5
30 Year 4.000% 0.250% 3.697%

Jumbo Loan Payment Example: A $750,000 loan for 30 years at 3.486% APR would have a monthly payment of $3,526.78. This example does not include taxes and insurance. Your actual payment obligation will be higher.

Jumbo Loans are loan amounts starting at $424,101. Minimum 20% down required.

Annual Percentage Rates (APR) are based on loan amounts of $750,000 for Jumbo loans plus pre-paid fees and 80% loan-to-value (LTV) ratio.

*Additional Information about our Adjustable Rate Mortgages (ARM) – The APR, interest rate and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index.

Home Equity Loans

Powerhouse Loan Rates

Rates Effective As Of 2/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Type Annual Percentage Rate Maximum Term** Maximum Loan-To-Value
Powerhouse 80 6.000% 20 Years 80%
Powerhouse 85 5.000% 15 Years 85%
Powerhouse 90 4.000% 10 Years 90%

**Payment Example: A $35,000 loan at 6.035% would have 240 monthly payments of $250.75. Property must be owner occupied. A full appraisal may be required based on the loan amount or combined loan to value.


Home Equity Line of Credit* Rates

Rates Effective As Of 2/01/2017. ALL RATES, TERMS AND CONDITIONS SUBJECT TO CHANGE. Rates and terms will vary based on the credit worthiness of individual applicants.

Loan Type Adjustable+ Annual Percentage Rate Max Repayment Max Loan Amount Draw Period
Heloc Equity I 4.042% 15 Years Up to 80% CLTV First 8 Years
Heloc Equity II+ 4.027% 25 Years Up to 75% CLTV First 10 Years

The above Annual Percentage Rates were calculated using a loan of $35,000.

Interest only loan, balloon payment will result at maturity of the loan.

+Additional information about our Adjustable Rate Mortgage (ARM)-The APR, interest rate, and principal and interest payment are subject to increase/decrease and will change after the loan is closed due to market-driven changes to the index. The APR cannot increase more than 2% per year, and not more than 6% over the life of the loan. However, the APR will never exceed the maximum rate allowed by law, which is currently 18%.


*$100 real estate processing fee to open plan. Property must be owner occupied. Hazard insurance is required on the property being used as collateral. Interest may be tax deductible, consult your tax advisor for more information. A full appraisal may be required based on the loan amount or combined loan to value.