Rates

Savings Accounts and Term Certificates

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Savings Accounts

Account Type	Rate	APY*
Regular Share Savings	0.02%	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	2.05%	2.07%
$200,000 and over	3.00%	3.05%
Club Share Savings	0.02%	0.02%
IRA Share Savings	0.10%	0.10%

Term Certificates

Account Type	Rate	APY*
6 Month Certificate	4.00%	4.06%
12 Month Certificate	4.50%	4.58%
18 Month Certificate	4.30%	4.37%
24 Month Certificate	3.75%	3.80%
36 Month Certificate	3.45%	3.49%
48 Month Certificate	3.40%	3.44%
60 Month Certificate	3.40%	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 06/24/2024.

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

Loans

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Vehicle Loans

Loan Type & Term	APR*
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 & Term	APR*
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 & Term	APR*
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.