Our Saver Loans offer a unique loan option that is not based on credit history – with low interest rates, fast processing, and convenient terms you can reclaim your financial confidence.

Key Features

  • Competitive Rates
  • Backed By Savings
  • Builds Credit
  • Local Processing
  • Minimum of $500 share-secured financed
  • Maximum of $1,000 share-secured financed
  • Not based on credit score with 18.00% Annual Percentage Rate
  • Loan to be repaid in 12 months or less
  • Re-builds credit as credit history, debt ratio not considered
  • Helps establish credit and improve credit status with automatic payment transfer from your credit union account
  • Easy application process
  • Fixed interest rate not based on credit score
  • No application fees or pre-payment penalties
  • Friendly, experience loan advisors
  • Quick local decisions
  • Personal service from your trusted credit union
Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

$
$
#
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
%
3. Lease Details
%
#
$
%
Share Certificates CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

$
#
%
What is the compounding interval?
  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

$
#
%
$
Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

$
%
#
  • Total paid $0
  • Total interest paid $0

Farm Equipment (New or Pre-owned)*

Maximum Amount Maximum Term Annual Percentage Rate
100% of purchase price; maximum amount not to exceed 72 months 1 - 72 months 7.55% - 18.00%

*Effective 1/20/2023.

Home Equity*

Maximum Term Annual Percentage Rate
5 years as low as 6.30% - 11.60%
7 years as low as 6.80% - 12.10%
10 years as low as 7.30% - 12.60%
15 years as low as 7.55% - 12.85%
20 years as low as 7.80% - 13.10%

*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan. Home Equity Loan property must be located within a 200 mile radius of a branch location. Effective 1/20/2023.

IRA Savings

Account Type Dividend Rate APY
Regular, Roth & Educational 0.499% 0.50%

IRA Term Share Certificate

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
2 years $1,000 3.113% 3.15%
3 years $1,000 3.309% 3.35%
4 years $1,000 3.406% 3.45%
5 years $1,000 3.698% 3.75%

Penalty for early withdrawal. Effective 1/20/2023.

Kasasa Cash*

Balance Dividend Rate APY
Up to $10,000 3.928% 4.00%
Over $10,000 0.499% 4.00% to 0.82%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Kasasa Saver*

Balance Dividend Rate APY
Up to $10,000 0.995% 1.00%
Over $10,000 0.499% 0.55% to 1.00%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Lifestyle Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
10.49% - 18.00%

APR for Balance Transfers

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

APR for Cash Advances

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

Money Market (First Fund)*

Balance Dividend Rate APY
$0 - $2,499.99 0.250% 0.25%
$2,500 - $24,999.99 0.499% 0.50%
$25,000 - $49,999.99 0.598% 0.60%
$50,000 - $99,999.99 0.698% 0.75%
$100,000 - $249,999.99 0.995% 1.00%
$250,000 and Greater 1.243% 1.25%

*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.

New Autos*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 4.79% - 17.79%
37 - 48 months as low as 4.94% - 17.94%
49 - 66 months as low as 5.09% - 18.00%
67 - 72 months as low as 5.09% - 18.00%
73 - 84 months as low as 6.09% - 10.34%

Term available based on credit score. Effective 1/20/2023.

New Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 6.29% - 18.00%
37 - 48 months as low as 6.44% - 18.00%
49 - 66 months as low as 6.59% - 18.00%
67 - 72 months as low as 6.59% - 18.00%
73 - 84 months as low as 7.59% - 11.84%

*Effective 01/20/2023. Term available based on credit score.

Personal Loans*

Type Maximum Amount Maximum Term Annual Percentage Rate
Small Dollar Personal Loan $800 and Below 1 - 6 months 13.50% - 28.00%
Personal $801 - $30,000 1 - 84 months 11.25% - 18.00%
Line of Credit / Overdraft Line of Credit $1 - $30,000 1 - 72 months 11.25% - 18.00%

*Small personal loans of $800 or less will incur a $20 application fee.

Pre-owned Autos*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 5.09% - 18.00%
24 - 30 months ('15 - '16) as low as 5.09% - 18.00%
36 - 42 months ('17 - '18) as low as 5.09% - 18.00%
48 - 60 months ('19 - '20) as low as 5.09% - 18.00%
60 - 72 months ('21 - '23) as low as 5.09% - 18.00%

*Classic Auto may be financed up to 24 months, or longer with approval from President

*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.09% with $5,000.00 or more financed.

*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.

*If the term of the loan is extended, rates may be subject to a 1% APR increase.

*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.

*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.

*Effective 01/20/2023

Pre-owned Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 6.59% - 18.00%
24 - 30 months ('15 - '16) as low as 6.59% - 18.00%
36 - 42 months ('17 - '18) as low as 6.59% - 18.00%
48 - 60 months ('19 - '20) as low as 6.59% - 18.00%
60 - 72 months ('21 - '23) as low as 6.59% - 18.00%
Jet Skis Same as Personal Rates

*100-120% NADA Retail to qualifited borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 6.59% with $5,000.00 or more financed. Effective 01/20/2023.

Prestige Draft Accounts

Balance Dividend Rate APY
$500 - $2,499.99 0.150% 0.15%
$2,500 - $14,999.99 0.349% 0.35%
$15,000 and Greater 0.499% 0.50%

Share Accounts*

Account Type Dividend Rate APY
Regular Share Account 0.250% 0.25%
Dream Savings (Monthly) 0.250% 0.25%
Dream Club (Monthly) 0.250% 0.25%

*Regular Shares minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.

*Dream Savings Accounts are those called Special Savings, Vacation, Christmas, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month

*Regular Share and Dream Savings Accounts allow four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4).

Share Draft Accounts

Account Type Dividend Rate APY
Super Saver Checking 0.050% 0.05%
Student Checking 0.050% 0.05%

Share Secured Loans

Type Maximum Amount Maximum Term Annual Percentage Rate
Secured w/Savings Total of Share Balance 1 - 24 months 4.50% - 10.50%
Secured w/Savings Total of Share Balance 25 - 60 months 5.00% - 11.00%
Secured w/ Certificate Face amount of Certificate 1 - 120 months 2% above yield

Term Share Certificate*

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
13 months* $1,000 3.455% 3.50%
2 years $1,000 3.113% 3.15%
25 months* $1,000 3.941% 4.00%
3 years $1,000 3.309% 3.35%
37 months* $1,000 3.941% 4.00%
4 years $1,000 3.406% 3.45%
49 months* $1,000 4.038% 4.10%
5 years $1,000 3.698% 3.75%
61 months* $1,000 4.184% 4.25%

Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term, excluding special non-renewable terms of 13, 25, 37, 49 and 61 months. Effective 1/20/2023.

* Non-renewable.

VISA Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
11.74% - 18.00% 13.74% - 18.00% 16.24%

APR for Balance Transfers

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%

APR for Cash Advances

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%