Loan Rates

 

Effective September 22, 2021

APR-Annual Percentage Rate as of the effective date and subject to change at any time without notice.  APR based on evaluation of applicant's credit history and term.  Your APR may vary.  Not all applicants will qualify for the lowest rate.  All loans are subject to credit approval.  Membership eligibility required.

Member Rewards-We appreciate our loyal members, which means we want to reward them for their commitment to KFCU, and their investment in the credit union as a member-owner.  That's why we offer our rewards program.  Our rewards program lets you earn points towards a rate reduction.  You can combine them for a maximum of 25 basis points reduction on your loan rate.  Not all loan types included in rewards program.  See a KFCU loan officer for more details.

Current Rates

* Collateral / Item Financed - APR

New Autos - 2.40%
Used Autos (1-3 years old) - 2.65%
Used Autos (4,5,6 years old) - 4.00%
Used Autos (7 years and older) - 6.00%
New Boat Rigs - 3.25%
Used Boat Rigs (1-2 years old) - 3.50%
Used Boat Rigs (3 years and up) - 6.25%
Household Goods (new only) - 7.90%  
New Tractors - 3.00%
Used Tractors (1-3 years old) - 4.75%
Used Tractors (4 years or older) - 7.25% 
New Motor Homes (1-2 years old) - 3.25%
Used Motor Homes (3 years old and up) - 6.25%
New Travel Trailers - 3.25%
Used Travel Trailers (1-4 years old) - 6.25%   
Used Travel Trailers (5 years old and up) - 6.50%
 New 4-Wheelers, Motorcycles, etc - 3.25%
Used 4-Wheelers, Motorcycles, etc - 4.25%
 New Mowers & Trailers above $2500 - 3.25%
Household Goods (new only, up to 36 Months) - 7.90%
Real Estate, Primary Residence (1st Mortgage) - 5.90%
Real Estate, Primary Residence (2nd Mortgage) - 7.90%
 Real Estate, Second Home, Non-Rental - 6.50%
Real Estate, Lots or Acreage - 6.90%
Mobile Home/Land Combination  (85% of appraised value) - 6.90%
 Signature Loans - 7.90%
 VISA CARDS (based on individual credit) - 9.90%
Share Secured (up to 120 months) - Share Rate + 2%
CD Secured (maturity date of CD) - CD Rate + 2% (Fixed)
Contact Us To Lock In Your Rate!

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.