Banking & Loan Rates

Personal Checking Rates

Account TypeDividend RateAPY
Smart Checking (up to $15,000)1.98%32.00%3
Smart Checking (over $15,000).10%3.10%3
Basic Checking.00%4.00%4

Business Checking Rates

Account TypeDividend RateAPY
Business Checking Account.20%5.20%5

Savings Account Rates

Account TypeDividend RateAPY
Regular Share Account.10%6.10%6
X-Tra Kash Account.10%6.10%6
Holiday Club Account.10%6.10%6
Super Share Account (up to $10k).15%6.15%6
Super Share Account ($10-25k).25%6.25%6
Super Share Account ($25-100k).35%6.35%6
Super Share Account (over $100k).50%6.50%6
Mega Share Money Market Account ($25,000-$49,999.99).30%6.30%6
Mega Share Money Market Account ($50,000-$99,999.99).40%6.40%6
Mega Share Money Market Account ($100,000-$249,999.99).55%6.55%6
Mega Share Money Market Account ($250,000+).60%6.60%6

Youth Account Rates

Account TypeDividend RateAPY
KARS Account.10%7.10%7
myCA$H Account.10%7.10%7

Certificate Rates

TermMinimum BalanceDividend FrequencyDividend RateAPY
91 Days$500Maturity.20%8.20%8
6 Months$500Monthly.30%8.30%8
9 Months$500Monthly.35%8.35%8
12 Months$500Monthly.40%8.40%8
18 Months$500Monthly.45%8.45%8
24 Months$500Quarterly.55%8.55%8
36 Months$500Quarterly.65%8.65%8
60 Months$1,000Quarterly.75%8.75%8

Personal Loan Rates

Rates as low as 8.75%
Loan TypeTermAPR
Personal Loan Greater than $5,000Up to 48 Months8.75%10

Vehicle Loan Rates

Rates as low as 2.39%
Model YearTermAPR
2015-2022 Vehicle Loans24-48 Months2.39%11
2015-2022 Vehicle Loans49-66 Months2.64%11
2015-2022 Vehicle Loans67-75 Months113.14%11
2015-2022 Vehicle Loans76-84 Months113.64%11
2012-201424-66 Months4.64%11
2001-201124-54 Months6.14%11
Classics (25 years old minimum)24-72 Months4.64%11
Classics (25 years old minimum)64-72 Months (over $20,000)4.64%11
Rates as low as 3.29%
Model YearTermAPR
2015-2022Up to 66 Months3.29%11
2015-2022 Motorcycles Only Over $20,00067-75 Months3.79%11
2014 and OlderUp to 66 Months5.29%11
2014 and Older Motorcycles Only Over $20,00067-75 Months6.79%11
Rates as low as 3.29%
Model YearTermAPR
2015-2022 Under $25,000Up to 66 Months3.29%11
2015-2022 Over $25,00067-75 Months3.79%11
2015-2022 RVs or Boats Only Over $25,00076-120 Months4.29%11
2014 and Older Under $25,000Up to 66 Months5.29%11
2014 and Older Over $25,00067-75 Months6.79%11
2014 and Older RVs or Boats Only Over $25,00076-84 Months7.29%11

Home Loan Rates

Rates as low as 2.54%
TermRateAPRPoints
30 Year Fixed3.375%123.396%120.000%
20 Year Fixed3.000%123.029%120.000%
15 Year Fixed2.500%122.537%120.000%
Rates as low as 4.77%
TermRateAPRPoints
10 Year Home Equity (up to 80% LTV)4.740%134.773%130.000%
Disclaimer

3. Smart Checking –

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.00%; and (3) balances over $15,000 earn 0.10% APY dividend rate on portion of balance over $15,000, resulting in 2.00% to 0.19% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings on the account.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

4.   Basic Checking

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

5. Business Checking

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
    • Minimum deposit to open a Business Checking Account is $100.
    • Balances over $2,500 earn dividends. $0.20 fee per draft. Low balance fee if balance falls below $1,000. Fees may reduce earnings on the account.
    • All Checking Accounts are subject to approval. Must meet qualifications.
    • Must be a member to open a checking account. Some restrictions apply.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

6. Savings Account

    • APY=Annual percentage Yield. APYs accurate as of the last dividend declaration date. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly.
    • Fees may reduce earnings on the account.
    • (Regular Share) During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
    • (Super Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in account closure by the credit union.
    • (Mega Share) During any statement cycle, no more than three withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit may result in fees of $10 per withdrawal, and account closure by the credit union.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

7. Youth Accounts

    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened.
    • *Rates may change after the account is opened. Fees may reduce earnings on this account.
    • (KARS Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account. 1 deposit equals 1 point. Points can be redeemed for prizes. Members under the age of 18 need a co-signer on the account.
    • (My Cash Teen Account) This account requires $5 to open. Earns dividends. Rates may change after the account is opened. Fees may reduce earnings on this account.  Cash incentives are paid out when myCA$H member brings in membership card to verify incentive behavior has been completed. Direct deposit, E-statement, debit card, MasterCard®, and $500 saved incentives are paid once. Certain restrictions apply, not all will qualify. Members under the age of 18 need a co-signer on the account.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

8. Certificates

    • (Share Certificate.) Penalties may be imposed for early withdrawal. Rates accurate as of the last dividend declaration date. Fees may reduce earnings. $500 deposit required to open this account. $500 daily balance required to earn dividends.  
    • (IRA) Rates may change after the account is opened. Rates accurate as of the last dividend declaration date. Penalties may be imposed for early withdrawal. Fees may reduce earnings. IRA Certificates are available at the same interest rates as our regular Certificates. Certificates may be designated traditional or Roth IRAs. 91-day to 5-year terms available for IRA Certificates. Other restrictions and requirements may apply. Rates subject to change.  $500 deposit required to open this account. $500 daily balance required to earn dividends.  
    • APY=Annual Percentage Yield. APYs accurate as of 09/01/2018; the last dividend declaration date. Rates may change after account is opened. Fees may reduce earnings on the account.
    • A penalty may be imposed for early withdrawal.
    • Deposits are insured up to $500,000 with up to $250,000 in insurance by NCUA and up to $250,000 in insurance by Excess Share Insurance.

10. Personal Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • APR is Annual Percentage Rate. Rate is fixed (non-variable). This offer is for new money only, no internal refinances. 8.75% APR. Limited time offer based on capacity to repay. Personal loan example: 48 monthly payments of $24.77 per $1,000 borrowed at 8.75% APR. All loans are subject to approval.

11. Vehicle Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • 67-75-month financing available only on loans of $12,000 or more only on 2015-2022 model year.
    • 76-84-month financing available only on loans of $20,000 or more only on 2015-2022 model year.
    • For example, a 48-month term on a new recreational vehicle loan for $10,000 at 2.64% APR, the monthly payment will be approximately $219.76.

12. Home Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • For example, a 30- year Fixed Home Loan for $200,000 at a 3.40% APR, the monthly payment will be approximately $887.00. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
    • Loans are subject to credit approval. Restrictions may apply.

13. Home Equity

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.
    • For example, a 120-month Power Equity Loan for $20,000 at a 6.24% APR, the monthly payment will be approximately $224.46.
    • Home Equity Lines of Credit are variable-rate loans. Rates as low as 3.25% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. $48 document fee and $300 processing fee for proof of homeowners’ insurance required.

14. Student Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Loans are subject to credit approval. Restrictions may apply.