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Rates

Savings Accounts and Term Certificates

Fees | Savings Calculator | CD Rates Calculator

 

 

Savings Accounts

Account TypeRateAPY*
Regular Share Savings0.02%0.02%
Money Market
  • Under $10,000
0.02%0.02%
  • $10,000 – $49,999.99
1.10%1.11%
  • $50,000 – $99,999.99
1.30%1.31%
  • $100,000 – $199,999.99
2.30%2.33%
  • $200,000 and over
3.25%3.30%
Club Share Savings0.02%0.02%
IRA Share Savings0.10%0.10%

 

Term Certificates

Account TypeRateAPY*
6 Month Certificate4.90%4.99%
12 Month Certificate5.00%5.09%
18 Month Certificate4.30%4.37%
24 Month Certificate3.75%3.80%
36 Month Certificate3.45%3.49%
48 Month Certificate3.40%3.44%
60 Month Certificate3.40%3.44%

 

*APY = Annual Percentage Yield.

The Share Savings Rates disclosed are prospective rates. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter. Rates current as of 03/25/2024.

Certificate rates are reviewed on a weekly basis and can change without notice.

Loans

Simple Loan Calculator | Mortgage Calculator

 

 

Vehicle Loans

Loan Type & TermAPR*
New Auto
  • Up to 24 months
as low as 5.75%
  • 36 months
as low as 5.99%
  • 48 months
as low as 6.29%
  • 60 months
as low as 6.29%
  • 72 months
as low as 6.75%
  • >$25,0000 for 84 months



Used Auto**
as low as 6.99%
  • 24 months
as low as 5.99%
  • 36 months
as low as 6.74%
  • 48 months
as low as 6.74%
  • 60 months
as low as 6.74%
  • 72 months
as low as 7.49%
  • >$25,0000 for 84 months



Classic / Older Used Auto**
as low as 7.99%
  • Up to 36 months
as low as 8.99%
New / Used RV
  • Up to 7 years
as low as 10.00%
  • 8 to 10 years
as low as 12.00%
New Motorcycle / ATV / Watercraft
  • Up to 4 years
as low as 7.99%
  • 5 to 7 years
as low as 8.99%
Used Motorcycle / ATV / Watercraft
  • Up to 3 years
as low as 8.99%
  • 4 to 6 years
as low as 9.99%
Farm / Garden Equipment
  • Up to 7 years
as low as 10.75%

 

Real Estate Loans

Loan Type & TermAPR*
Home Equity – Variable
  • Up to 15 years
Call for rates
Home Equity – Fixed
  • Up to 5 years
7.50%
First Mortgage
  • 10 years
Check Rates
  • 15 years
Check Rates
  • 20 years
Check Rates
  • 25 years
Check Rates
  • 30 years
Check Rates
Unimproved Property
  • Up to 7 years
Call for rates
  • 8 to 10 years
Call for rates

 

Other Loans

Loan Type & TermAPR*
Signature
  • Up to 5 years
10.90%
Consolidation
  • Up to 5 years
11.90%
Tech Gear
  • 36 months
8.00%
Signature Line of Credit (LOC)
  • Up to 5 years
10.90%
Share Secured
Share Secured Loans 3%** over Share Dividend Rate fixed at the time the loan is made
Platinum Secured
Platinum Secured Loans 3%** over Share Dividend Rate fixed at the time the loan is made
MasterCard Standard
11.40%
MasterCard Platinum
3.90% for 6 months, then 7.90% thereafter

 

*APR = Annual Percentage Rate.

Loan Rates are subject to change without notice.
**Restrictions apply based upon model year, see loan officer for details.
The rate shown is the lowest available base rate but additional discounts may be available based on relationships with Koin Credit Union. Your rate may be higher depending on your credit score. Approval is not based on credit score.