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Today's Rates

Higher returns on savings instruments. Lower rates on loans and credit cards. That's why Kinecta members are always money ahead!

Rates effective as of October 29, 2020                                                                                              Printable rate page

Deposits

Business and Personal Certificates

Regular & Jumbo Certificate Rates

Length of Term Dividend Rate / APY1
$100,000 and above Jumbo
    3 month 0.250% / 0.25%
    6 month 0.399% / 0.40%
    12 month 0.549% / 0.55%
    2 years 0.747% / 0.75%
    3 years 0.847% / 0.85%
    4 years 0.896% / 0.90%
    5 years 1.045% / 1.05%
Under $100,000 Regular
    3 month 0.200% / 0.20%
    6 month 0.349% / 0.35%
    12 month 0.499% / 0.50%
    2 years 0.698% / 0.70%
    3 years 0.797% / 0.80%
    4 years 0.847% / 0.85%
    5 years 0.995% / 1.00%

Liquid Certificate2

Length of Term APY1
12 months 0.35%

College Saver

Dividend Rate APY1
0.35% 0.35%

Youth Club

Requirements Dividend Rate
$200 minimum balance required Available at Regular Term Share Certificate yields. Not applicable with 18 month and 5 year share certificate products.

1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.

2Liquid Share Certificates allow for penalty-free withdrawals of up to 50% of the start of day balance as of 12:00 AM on a daily basis. Withdrawals exceeding 50% of the start of day balance are subject to penalties. Fees may reduce earnings. Additional deposits are permitted at any time prior to maturity. $1,000 minimum balance required. $100 minimum balance with automatic transfer from Kinecta checking account. 12-month term. APY applies to any deposit amount. May be combined with VIP rate increase.

3As of date of rate change

At time of maturity, share certificates will automatically renew at the prevailing share certificate rate.

Business and Personal Checking

Checking Plus Rates

Minimum Balance Dividend Rate/APY1
$0 ‑ $4,999 0.100% / 0.100%
$5,000 ‑ $9,999 0.100% / 0.100%
$10,000 ‑ $24,999 0.100% / 0.100%
$25,000 ‑ $49,999 0.150% / 0.15%
$50,000 ‑ $99,999 0.250% / 0.25%
$100,000+ 0.250% / 0.25%

1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Business and Personal High-Yield Money Market

High-Yield Money Market Rates

Balance Dividend Rate / APY1
$0 ‑ $2,499 0.150% / 0.150%
$2,500 ‑ $9,999 0.200% / 0.200%
$10,000 ‑ $49,999 0.250% / 0.250%
$50,000 ‑ $99,999 0.399% / 0.40%
$100,000 ‑ $249,999 0.499% / 0.500%
$250,000 + 0.499% / 0.500%

1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Dividends accrued daily and paid monthly. Minimum balance to open is $10,000.00.

IRA

IRA Rates - Daily Access Accounts

Daily Access Accounts Minimum Balance Dividend Rate / APY1
IRA Money Market Accounts $2,500 and above 0.050% / 0.05%
IRA Money Market Accounts Under $2,500 0.050% / 0.05%
IRA Contributory & Roth Accounts ‑ Payroll Deduction $1 0.050% / 0.05%
IRA Contributory & Roth Accounts ‑ No Payroll Deduction $100 0.050% / 0.05%

1APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Dividends paid quarterly.

If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.

Traditional IRA / Roth IRA Share Certificates

Length of Term Dividend Rate / APY1
$100,000 and above Traditional/Roth IRA
    3 month 0.250% / 0.25%
    6 month 0.399% / 0.40%
    12 month 0.549% / 0.55%
    2 years 0.747% / 0.75%
    3 years 0.847% / 0.85%
    4 years 0.896% / 0.90%
    5 years 1.045% / 1.05%
Under $100,000 Traditional/Roth IRA
    3 month 0.200% / 0.20%
    6 month 0.349% / 0.35%
    12 month 0.499% / 0.50%
    2 years 0.698% / 0.70%
    3 years 0.797% / 0.80%
    4 years 0.847% / 0.85%
    5 years 0.995% / 1.00%

1APY = annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

$1,000 minimum balances required. No additional deposits accepted during certificate term. There is a substantial penalty for early withdrawal of certificate funds. Fees and other conditions may reduce earnings.

If rates go up, you can request a one-time rate adjustment to the higher prevailing APY during the original term of your certificate. Bump-up rate will match the then-current 18-Month Bump-Up Share Certificate rate in effect at time bump-up option is exercised. New rate will carry forward from the date of increase and will not be retroactive. Unless you indicate otherwise, at the time of maturity the certificate will be reinvested into the 18-month Share Certificate term (without the bump-up option) at the then-current rate in effect.

Business and Personal Savings

Savings Account Rates

Daily Access Accounts Minimum Balance Dividend Rate / APY1
Regular Share / Savings Account Dividends accrued daily, paid quarterly. $5 0.050% / 0.05%
Holiday Share Account $5 0.050% / 0.05%

1APY = Annual Percentage Yield. Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Rates effective per date listed at top of table. 

Credit

Auto & Vehicles

Auto Loans

Status APR1 As Low As
New 2.74%
Used 2.94%

Motorcycle

Status APR1 As Low As
New 5.49%
Used 5.99%

Boat, RV & Travel Trailer

Status APR1 As Low As
New 5.34%
Used 5.74%

1Annual Percentage Rate (APR). All loans subject to credit approval. Rates effective per date listed at top of table. 

The actual rate you receive is determined by a combination of factors, including credit qualifications, loan amount, collateral, down payment and terms. Rate includes a .25% discount on loans with automatic payment from a Kinecta account; rates will be .25% higher on loans that do not meet this requirement. Rates and terms and conditions are subject to change. The value of new vehicles is determined by MSRP, and the value of used vehicles is determined by Retail Kelley Blue Book.

Credit Card

Credit Card Rates

Credit Card Purchase APR1 Cash Advance APR1 Annual Fee
MyPerks (Rewards)2 9.99% ‑ 18.00% 11.99% ‑ 18.00% $0
MyPower (No Fee)3 7.99% ‑ 18.00% 9.99% ‑ 18.00% $0
MyPlan4 (Secured) 15.24% 18.00% $25
MyPro (Business)5 9.99% ‑ 18.00% 11.99% ‑ 18.00% $0

1APR = Annual Percentage Rate. APRs for Purchase, Cash Advances, and Balance Transfers may vary and are subject to change without notice. The credit card rates information is accurate as of the effective date of publication. Rates effective per date listed at top of table. 

 Credit card approval depends on creditworthiness and other qualifications. 

2MYPERKS TERMS & CONDITIONS - click here

3MYPOWER TERMS & CONDITIONS - click here

4MYPLAN TERMS & CONDITIONS - click here

5MYPRO RATES TERMS & CONDITIONS - click here.

Mortgage

Home Purchase Fixed Rates - Conforming2

Product Rate Points APR1 Number of Payments Monthly Payments2
30 Year Fixed 2.750% 0.125 2.811% 360 $1,224.72
2.875% ‑0.375 2.898% 360 $1,244.68
FHA 30 Yr. Fixed3 2.875% ‑0.875 4.129% 360 $1,394.11
3.000% ‑1.250 4.245% 360 $1,413.54
15 Yr. Fixed 2.500% ‑0.500 2.524% 180 $2,000.37
2.625% ‑0.750 2.720% 180 $2,018.07
10 Yr. Fixed 2.375% ‑0.125 2.487% 120 $2,811.08
2.500% ‑0.375 2.535% 120 $2,828.10

Home Purchase Fixed Rates - High Balance2

Product Rate Points APR1 Number of Payments Monthly Payments2
30 Yr. Fixed 2.875% 0.000 2.901% 360 $2,489.35
3.000% ‑0.500 3.026% 360 $2,529.62

Home Purchase Rates - Jumbo4,2

Product Rate Points APR1 Number of Payments Monthly Payments4
7/6 ARM4 2.990% 0.000 2.947% 84 $3,368.52
        Yrs 8‑30 276 $3,329.10
30 Yr. Fixed 3.125 ‑0.125 3.135% 360 $3,427.00

Home Refinance Fixed Rates - Conforming2

Product Rate Points APR1 Number of Payments Monthly Payments2
30 Yr. Fixed 3.125% 0.000 3.178% 360 $1,285.13
3.250% 0.250 3.323% 360 $1,305.62
15 Yr. Fixed 2.875% ‑0.500 2.899% 180 $2,053.76
3.000% ‑0.625 3.006% 180 $2,071.74
10 Yr. Fixed 2.750% 0.125 2.916% 120 $2,862.33
2.875% ‑0.125 2.988% 120 $2,879.54

Home Refinance Fixed Rates - High Balance2

Product Rate Points APR1 Number of Payments Monthly Payments2
30 Yr. Fixed 3.250% 0.625 3.327% 360 $2,611.24
3.375% 0.125 3.412% 360 $2,652.58

Home Refinance Rates - Jumbo4,2

Product Rate Points APR1 Number of Payments Monthly Payments4
7/6 ARM4 2.990% 0.000 2.947% 84 $3,368.52
        Yrs 8‑30 276 $3,329.10
30 Yr. Fixed 3.250 ‑0.125 3.260% 360 $3,481.65

Home Equity Adjustable - Line of Credit5

FICO / CLTV ≤60 >60‑70 >70‑80 >80‑85
≥750 4.000% 4.000% 4.000% 4.625%
720‑749 4.000% 4.000% 4.125% 4.875%
680‑719 4.125% 4.250% 4.375% NA

Home Equity Fixed Rate - Loan

FICO/CLTV ≤60 >60‑70 >70‑80 >80‑85
≥750 5.990% 6.125% 6.375% 7.000%
720‑749 6.250% 6.375% 6.500% 7.250%
680‑719 6.500% 6.625% 6.750% NA

1APR= Annual Percentage Rate. Rates are based upon creditworthiness; your rate may differ depending on Combined Loan-to-Value (CLTV), and other underwriting factors. Information displayed above on rates, loan products and fees are the most current available and is subject to change without notice. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Rates effective per date listed at top of table. 

The displayed Annual Percentage Rates (APR) for the loan products shown in the table above reflect the interest rate and the approximate cost of prepaid finance charges, including points, but does not include other costs or discount points. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs. For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment.

All applications are subject to credit approval; not all applicants will be approved. Programs, rates, and terms and conditions are subject to change without notice. Full income and asset documentation are required. Loan secured by a lien against your property. Interest rates, points, and Annual Percentage Rates (APRs) may differ by product and State and be adjusted based upon your credit history, loan-to-value (LTV), occupancy, property type, loan amount and loan purpose.

Mortgage loans may not be available in all areas. Estimated payments do not include amounts for taxes and insurance and your actual payment may be greater.

Homeowner's property insurance is required. Flood insurance may be required. Loan together with any other mortgage(s) cannot exceed 85% of the property value in 1-unit owner-occupied properties. Non-owner-occupied properties are not eligible. Loan amounts from $250,000 to $500,000 require a full appraisal paid by the member. Applicable appraisal fees may vary and range between $450-$650. Consult your tax advisor regarding deductibility of interest and charges.

2Fixed Rate and High Balance Fixed Rate Mortgages. Fixed-rate payment example is based on a $300,000 loan amount and high-balance fixed rate payment example is based on a $600,000 loan amount, both with 45-day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, refinance transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.

3Federal Housing Administration (FHA) Conforming and High Balance Fixed Rate Mortgages. FHA fixed-rate payment example is based on a $289,500 loan amount and FHA high balance fixed rate payment example is based on a $650,000 loan amount, both with 45-day lock pricing and $2,000 in other Prepaid Finance Charges. Interest rate is fixed for loan term. FHA loans are subject to an up-front mortgage insurance premium (UFMIP) and an annual mortgage insurance premium (MIP). The premium varies based on your specific loan transaction. An estimated mortgage insurance payment has been included in the payment example for illustrative purposes. Payment example excludes taxes, insurance, and UFMIP; total payment will be higher. Quoted rates are for an owner-occupied property, refinance transaction with a loan-to-value ratio of 96.5% and a FICO score greater than 720.

4Jumbo Adjustable Rate Mortgages (ARMs). Payment example is based on an $800,000 loan amount with 45-day lock pricing and $2,000 in other Prepaid Finance Charges. Rate and payments may increase after consummation. After the initial fixed period, your interest rate can change annually, and any change will impact your monthly payment. Payment example excludes taxes and insurance; total payment will be higher. Quoted rates are for an owner-occupied single-family residence property, refinance transaction with a loan-to-value ratio of 70% and minimum FICO score of 760.

7/6 ARM  is the Secure Overnight Financing Rate with a change in initial margin and adjustment periods from 1 year to every 6 months after the initial lock period expires. This replaces our former 7/1 ARM offering. 

5Home Equity Variable Lines of Credit. The variable APR is based on The Wall Street Journal Prime Rate (the “Index”) plus a margin. This rate may vary with changes in the Prime Rate. As of 11/1/2019 Prime Rate is 4.75%. The maximum APR that can apply is 18.00%. The minimum credit limit and loan amount is $20,000; maximum is $50,000. 10-year draw period followed by a 20-year repayment period.

Personal Loans & Lines

Personal Line of Credit

FICO Tier 0 ≥780 Tier 1 730‑779 Tier 2 700‑729 Tier 3 680‑699 Tier 4 660‑679
Margin 4.74% 6.74% 8.74% 12.74% 14.74%
Rate 7.99% 9.99% 11.99% 15.99% 17.99%

Personal Loan Rates

FICO Tier 0 ≥780 Tier 1 730‑779 Tier 2 700‑729 Tier 3 680‑699 Tier 4 660‑679 Tier 5 600‑659
Rate 7.74% 8.74% 9.99% 10.99% 18.00% 18.00%
8.74% 9.74% 10.99% 13.99%
9.74% 10.99% 12.99%
10.99% 11.99%
11.99% 12.99%
Student

Student Loans1

Amount Requested Current Interest Rate2 APR (Annual Percentage Rate)3 Origination Fee4 Monthly Payment while in School5 Monthly Payment during Repayment6 Deferment Period (in months)7 Repayment Period (in months) Finance Charge Estimated Total Amount Paid8
Lowest (Immediate Repayment) $10,000 3.96% 3.96% 0.00% $0.00 $101.56 $101.56 3 120 $2,187.17 $12,187.17
Highest (Immediate Repayment) $10,000 8.94% 8.94% 0.00% $0.00 $127.77 $127.77 3 120 $5,333.45 $15,333.45
Lowest (Deferred Repayment) $10,000 4.90% 4.70% 0.00%/$0.00 $0.00 $126.94 51 120 $5,232.37 $15,232.37
Highest (Deferred Repayment $10,000 10.35% 9.51% 0.00% $0.00 $0.00 $191.40 51 120 $12,967.91 $22,967.91

1Also referred to as Private Education Loans under Regulation Z. Actual loan details may vary from this estimate based on the final terms you select and the interest rates in effect at the time your loan is approved. The loan terms described are for the 2019 -2020 academic year and are subject to change

2The Current Interest Rate used in this estimate and in effect as of July 1, 2020 ranges from 5.11% to 11.50% based on the credit review and repayment option. The current interest rate is equal to the LIBOR index plus a margin. The current interest rate shown in the estimate will increase/decrease during the life of the loan if the LIBOR index increases/decreases. The LIBOR Index for each calendar quarter equals the average of the one-month LIBOR rates published in The Wall Street Journal on the first business day of each of the three (3) calendar months immediately preceding each quarterly change date.

3The Annual Percentage Rate (APR) is the measure of what a loan will cost. It takes into account the rate, fees, length of the loan and the timing of all payments. The APR will increase/decrease if the LIBOR index increases/decreases.

4No Origination Fee.

5The Monthly Payment while in School is the payment that will be made while in school.

6The Monthly Payment during Repayment is the combined principal and interest payment amount following deferment (if any). The first year of principal and interest repayment is a fixed monthly amount. After the first year of principal and interest payments, monthly payment amounts are recalculated once each year and reset annually on the anniversary of your most recent repayment start date so as to pay the loan in full over the remaining repayment period. The monthly payment amount shown in the estimate will increase/decrease if the interest rate increases/decreases and will be computed based on the interest rate applicable at the time repayment begins. Minimum monthly payments of the loan’s combined principal and interest will be at least $50.

The Deferment Period shown in the Deferred example is 45 months, plus a 6-month grace period. The maximum deferment period is 54 months, plus a 6-month grace period. The Immediate Repayment option has no deferment period. If you elect the Immediate Repayment option, the first payment of principal and interest will be due approximately 30-60 calendar days after the final disbursement date.

To calculate the Total Amount Paid, add the sum of the Amount Requested, the Origination Fee and all accrued interest during the life of the loan. The Estimated Total Amount Paid assumes payments are made by the borrower on time and the borrower does not pre-pay any portion of the loan.