Loan Rates
Subject to change without notice.
Consumer Loans (Rates as of 03/29/2023)
| LOAN TYPE | RATE | TERMS(mo.) | WE WILL FINANCE |
|---|---|---|---|
| New or Used Vehicles, Motorcycles** | as low as 5.80% APR* | up to 96 months*** | up to 120% LTV* |
| New or Used Boats & RVs** | as low as 8.29% APR* | up to 120 months*** | up to 100% LTV* |
| New or Use Powersports Vehicles** | as low as 6.80% APR* | Up to 72 months | Up to 120% LTV |
| Signature Loans** | as low as 9.89% APR* (additional conditions apply; ask for details) | Monthly Payment* Per Loan Policy | |
| Sallie Mae Student Loans | Click for details | Click for details | |
| Lifestyle Lending | Call for quote | Call for quote | |
| Share Secured | Call for quote | Up to 48 months | |
| IRA Variable (no minimum) | .10% APY* | ||
| Home Improvement Loan | as low as 7.49% APR* | Up to 180 months | Up to $25,000.00 |
| Visa Rewards Credit Card | as low as 9.49% APR* | ||
| Visa Secured Credit Card | 15.99 APR |
Home Equity (Rates as of 03/29/2023)
| HOME EQUITY | RATE | TERMS (mo.) |
|---|---|---|
| Home Equity Closed End ** | (with closing costs) | |
| 6.25%* | 60 months | |
| 7.00%* | 120 months | |
| 8.24%* | 180 months | |
| Loans (Fixed Rate) - 90% LTV | (with closing costs) | |
| 7.49%* | 60 months | |
| 7.99%* | 120 months | |
| 8.99%* | 180 months | |
| Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan value | as low as 8.00%* | Call for details |
Mortgages (Rates as of 03/29/2023)
| HOME MORTGAGE AND REFINANCING AVAILABLE* | RATE |
|---|---|
| 30 Year Fixed Rate | Please call for details |
| 15 Year Fixed Rate | Please call for details |
| 5 Year Adjustable Rate | Please call for details |
| 3 Year Adjustable Rate | Please call for details |
| Construction Loans | Please call for details |
| Property Loans | Please call for details |
| Second Homes | Please 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 03/29/2023)
| TERM | ANNUAL PERCENTAGE YIELD | MINIMUM OPEN BALANCE |
|---|---|---|
| Regular Share Savings | Please call for details | $5.00 |
| Kasasa Saver® | 0.05%-1.00%* | $25.00 |
| Launch Youth Savings | Please call for details | $5.00 |
| Traditional IRA | 0.10% | No Minimum |
| Christmas/Vacation Club | 0.10% | 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 03/29/2023)
| TERM | ANNUAL PERCENTAGE YIELD | MINIMUM OPEN BALANCE |
|---|---|---|
| Kasasa Cash® Checking | 1.10%-3.50%* | $25.00 |
| Vintage Checking | 0.05% | $25.00 |
| Kasasa Cash Back® Checking | 0.00% | $25.00 |
| Fresh Start Checking | 0.00% | $25.00 |
| Launch Teen Checking | 0.00% | $25.00 |
| Star Biz Checking Plus | 0.10% | $50.00 |
*For Kasasa Cash®:
If qualifications are met: Earn 3.50% APY* on balances up to $25,000; earn 0.50%APY on portion of balance over $25,000
If qualifications are not met: earn 0.05% APY on total balance
Share Certificates and IRAs* (Rates as of 03/09/2023)
| TERM | ANNUAL PERCENTAGE YIELD | MINIMUM OPEN BALANCE |
|---|---|---|
| 90 Day Certificate | 3.78% | $500.00 |
| 6 Month Certificate | 3.85% | $500.00 |
| 12 Month Certificate | 4.05% | $500.00 |
| 18 Month Certificate/IRA | 4.20% | $500.00 |
| 24 Month Certificate/IRA | 4.40% | $500.00 |
| 30 Month Certificate/IRA | 4.40% | $500.00 |
| 36 Month Certificate/IRA | 4.50% | $500.00 |
| 48 Month Certificate/IRA | 4.50% | $500.00 |
| 60 Month Certificate/IRA | 4.40% | $500.00 |
| Youth Growth Certificate | 4.05% | $200.00 |
Share Certificates and IRA Specials* (Rates as of 03/29/2023)
| TERM | ANNUAL PERCENTAGE YIELD | MINIMUM OPEN BALANCE |
|---|---|---|
| 11 Month (Certificate Only) | 4.60% | $500.00 |
| 37 Month Certificate/IRA Special | 4.70% | $500.00 |
*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 03/29/2023
| TIER | DEPOSIT | ANNUAL PERCENTAGE YIELD |
|---|---|---|
| Tier 1 | $2,500.00 to $24,999.99 | 2.8% |
| Tier 2 | $25,000.00 to $49,999.99 | 3.00% |
| Tier 3 | $50,000.00 to $99,999.99 | 3.10% |
| Tier 4 | $100,000.00 to $249,999.99 | 3.20% |
| Tier 5 | $250,000.00 to $499,999.99 | 3.30% |
| Tier 6 | $500,000.000 and above | 3.40% |