Rates


Loan Rates

Subject to change without notice. 

Consumer Loans (Rates as of 5/13/2022)
LOAN TYPERATETERMS(mo.)WE WILL FINANCE
New or Used Vehicles, Motorcycles**as low as 3.17% APR*up to 96 months***up to 120% LTV*
New or Used Boats & RVs**as low as 8.04% APR*up to 120 months***up to 100% LTV*
Signature Loans**as low as 8.39% APR* (additional conditions apply; ask for details)Monthly Payment* Per Loan Policy
Sallie Mae Student LoansClick for detailsClick for details
Lifestyle LendingCall for quoteCall for quote
Share SecuredCall for quoteUp to 48 months
IRA Variable (no minimum).10% APY*
Home Improvement Loanas low as 6.89% APR*Up to 180 monthsUp to $25,000.00

 

Home Equity (Rates as of 5/13/2022)
HOME EQUITYRATETERMS (mo.)
Home Equity Closed End **(with closing costs)
as low as 4.38% APR*1 to 60 months
as low as 4.88% APR*61 to 120 months
as low as 6.13% APR*121 to 180 months
Loans (Fixed Rate) - 90% LTV(with closing costs)
as low as 5.50% APR*1 to 60 months
as low as 6.00% APR*61 to 120 months
as low as 7.49% APR*121 to 180 months
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan valueas low as 3.50% APR*Call for details

 

Mortgages (Rates as of 5/13/2022)
HOME MORTGAGE AND REFINANCING AVAILABLE*RATE
30 Year Fixed RatePlease call for details
15 Year Fixed RatePlease call for details
5 Year Adjustable RatePlease call for details
3 Year Adjustable RatePlease call for details
Construction LoansPlease call for details
Property LoansPlease call for details
Second HomesPlease call for details

*Annual Percentage Rate
**All loans subject to credit approval
***Rates and Terms are based on credit and amount financed. See Loan Officer for details.


Savings Rates

 

Share Accounts (Rates as of 5/13/2022)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
Regular Share SavingsPlease call for details$5.00
Kasasa Saver®0.05%-1.00%*$25.00
Launch Youth SavingsPlease call for details$5.00
Traditional IRA0.05%No Minimum
Christmas/Vacation Club0.05%No Minimum

*For Kasasa Saver®:
If qualifications are met: Earn 1.00% APY* on balances up to $40,000; earn 0.10% APY on portion of balance over $40,000
If qualifications are not met: Earn 0.05% APY on total balance

 

Share Draft Accounts (Rates as of 5/13/2022)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
Kasasa Cash® Checking0.55%-2.15%*$25.00
Vintage Checking0.05%$25.00
Kasasa Cash Back® Checking0.00%$25.00
Fresh Start Checking0.00%$25.00
Launch Teen Checking0.00%$25.00
Star Biz Checking Plus0.10%$50.00

*For Kasasa Cash®:
If qualifications are met: Earn 2.15% APY* on balances up to $20,000; earn 0.25%APY on portion of balance over $20,000
If qualifications are not met: earn 0.05% APY on total balance

 

Share Certificates and IRAs* (Rates as of 6/1/2022)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
90 Day Certificate0.70%$500.00
6 Month Certificate0.80%$500.00
12 Month Certificate0.90%$500.00
18 Month Certificate/IRA1.00%$500.00
24 Month Certificate/IRA1.15%$500.00
30 Month Certificate/IRA1.20%$500.00
36 Month Certificate/IRA1.25%$500.00
48 Month Certificate/IRA1.30%$500.00
60 Month Certificate/IRA1.40%$500.00
Youth Growth Certificate0.90%$200.00

*Bonus dividend of 0.05% to APY on balances of $50,000.00 to $99,999.99. Bonus dividend of 0.10% to APY on balances of $100,000.00 and higher.

Star Money Market (Rates as of 6/1/2022)
TIERDEPOSITANNUAL PERCENTAGE YIELD
Tier 1$2,500.00 to $24,999.990.55%
Tier 2$25,000.00 to $49,999.990.60%
Tier 3$50,000.00 to $99,999.990.65%
Tier 4$100,000.00 to $249,999.990.70%
Tier 5$250,000.00 to $499,999.990.75%
Tier 6$500,000.000 and above0.85%