Consumer Loan Rates

Personal Loans & Lines of Credit

Loan ProductMinimumAPRPaymentTerm
Personal Unsecured$1,000 Loan13.00%
9.75%¹
$22.88
$21.21

12 - 60 months
Loan ProductMinimumAPRFee
Cashline

Tied to checking account

$500 LineVariable rate .
WSJ Prime Rate + 6%
Currently = 11.25%
$15 Annual Fee

¹ - with auto payment from FKCB account

Vehicle Loans

Loan ProductInterest Rate¹Payment²
New Auto

12 - 60 months
61 - 72 months


3.95%
4.50%


$18.43
$15.91

Used Auto (7 years and less)

12 - 48 months
49 - 60 months


5.75%
6.00%


$23.43
$19.39

Used Auto (8 - 10 years)

12 - 24 months


7.75%


$45.25

New Motorcycle

12 - 60 months


7.00%


$19.86

Used Motorcycle

12 - 48 months


8.25%


$24.62

¹ Interest rate requires auto payment from FKCB account. Without automatic payment, add .25% to rate.


² Payment is per $1,000 based on maximum terms shown.

Home Equity & Home Equity Lines of Credit

Loan ProductTermInterest RateAPR¹Payment²
Fixed Rate Home Equity Loan - 1st Lien60 months3.75%3.79%$18.30
Fixed Rate Home Equity Loan - 1st Lien120 months4.70%4.72%$10.46
Fixed Rate Home Equity Loan - 1st Lien180 months4.95%4.97%$7.88
Fixed Rate Home Equity Loan - Subordinate Lien60 months5.00%5.05%$18.87
Fixed Rate Home Equity Loan - Subordinate Lien120 months6.00%6.03%$11.10
Fixed Rate Home Equity Loan - Subordinate Lien180 months6.50%6.52%$8.71
Loan ProductDetails
Homeline

Home Equity Line of Credit

Current APR (1) is 5.00% is variable based on Wall Street Journal Prime Rate minus .25% and assumes payments are automatically deducted from your FKCB checking account. Maximum Rate 18%. Interest payments vary monthly as billed. Rate may change daily. $15 Annual Fee. Minimum Line: $10,000, Maximum Line: $150,000. Revolving 10-year draw period, then 10-year amortized repayment period.

Loan to value ratio must not exceed 80%. ¹ Annual Percentage Rate. ² Payment shown is per $1,000 borrowed. With auto payment from FKCB Account. Without automatic payment, add .25% to rate.


Appraisal required on all Home Equity Loan request from $10,000 to the Maximum loan amount of $150,000.

Call for rates on non-owner occupied Home Equity Loans and land loans.


Homeowner's insurance is required on all Home Equity Loan & Homeline Products.


All Annual Percentage Rates (APRs) are effective as of September 27, 2018, and are subject to change without notice. Please contact any community office for additional information.