Rates

Loan Rates

Subject to change without notice. 

Consumer Loans (Rates as of 10/01/2024)
LOAN TYPERATETERMS(mo.)WE WILL FINANCE
New or Used Vehicles, Motorcycles**as low as 5.89% APR*up to 96 months***up to 120% LTV*
New or Used Boats & RVs**as low as 7.30% APR*up to 120 months***up to 95% LTV*
New or Use Powersports Vehicles**as low as 6.89% APR*Up to 72 monthsUp 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 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 7.99% APR*Up to 180 monthsUp to $25,000.00
Visa Rewards Credit Cardas low as 11.49% APR*
Visa Secured Credit Card15.99 APR

 

Home Equity (Rates as of 10/01/2024)
HOME EQUITYRATETERMS (mo.)
Home Equity Closed End **(with closing costs)
6.75%*60 months
7.25%*120 months
8.49%*180 months
Loans (Fixed Rate) - 90% LTV(with closing costs)
7.99%* 60 months
9.24%*120 months
10.24%*180 months
Home Equity Line of Credit (HELOC) (Variable Rate) up to 100% loan valueas low as 8.00%*Call for details

 

Mortgages (Rates as of 10/01/2024)
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 10/01/2024)
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 IRA0.10%No Minimum
Christmas/Vacation Club0.10%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 10/01/2024)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
Kasasa Cash® Checking1.40%-5.00%*$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 5.00% 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 10/01/2024)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
90 Day Certificate3.60%$500.00
6 Month Certificate4.00%$500.00
12 Month Certificate3.75%$500.00
18 Month Certificate/IRA3.70%$500.00
24 Month Certificate/IRA3.70%$500.00
30 Month Certificate/IRA3.65%$500.00
36 Month Certificate/IRA3.60%$500.00
48 Month Certificate/IRA3.60%$500.00
60 Month Certificate/IRA3.60%$500.00
Youth Growth Certificate3.75%$200.00
Share Certificates and IRA Specials* (Rates as of 10/01/2024)
TERMANNUAL PERCENTAGE YIELDMINIMUM OPEN BALANCE
11 Month (Certificate Only)3.80%$500.00
37 Month Certificate/IRA Special3.65%$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 10/01/2024)
TIERDEPOSITANNUAL PERCENTAGE YIELD
Tier 1$2,500.00 to $24,999.992.25%
Tier 2$25,000.00 to $49,999.992.50%
Tier 3$50,000.00 to $99,999.992.75%
Tier 4$100,000.00 to $249,999.992.75%
Tier 5$250,000.00 to $499,999.992.75%
Tier 6$500,000.000 and above2.75%