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Rates

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Consumer Loan Rates

Loan ProductLoan AmountAPR1Payment3Term
Personal Unsecured$1,000 Minimum to $10,000 Maximum9.75%2$21.2112 - 60 Months

1 APR = Annual Percentage Rate is accurate as of 6/18/2019.

2 With auto payment from FKCB account.

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

Loan ProductLine AmountAPR1Fee
Cashline
Unsecured Line of Credit
$500 Minimum to $5,000 MaximumVariable rate:
WSJ Prime Rate + 6%
Currently = 11.50%
$15 Annual Fee

1 APR = Annual Percentage Rate is accurate as of 6/18/2019.

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 is accurate as of 6/18/2019 and requires auto payment from FKCB account. Without automatic payment, add .25% to rate.

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

Loan ProductTermInterest RateAPR1Payment2
Fixed Rate Home Equity Loan - First Lien60 months3.75%3.79%$18.30
Fixed Rate Home Equity Loan - First Lien120 months4.45%4.47%$10.34
Fixed Rate Home Equity Loan - First Lien180 months4.55%4.57%$7.68
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

1 APR = Annual Percentage Rate is accurate as of 6/18/2019, and is subject to change without notice. Please contact any community office for additional information.

2 Payment shown is per $1,000 borrowed.

Rate shown is with auto payment from an FKCB account. Without automatic payment, add .25% to rate.

Loan to value ratio must not exceed 80%. Minimum loan is $10,000 to maximum loan amount of $150,000. Appraisal and Homeowner’s Insurance are required on all Home Equity Loans.

Loan ProductDetails
Homeline
Home Equity Line of Credit
Current APR1 is 5.25% 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.

1 APR = Annual Percentage Rate is accurate as of 6/18/2019, and is subject to change without notice. Please contact any community office for additional information.

Rate shown is with auto payment from an FKCB account. Without automatic payment, add .25% to rate.

Loan to value ratio must not exceed 80%. Minimum loan is $10,000 to maximum loan amount of $150,000. Appraisal and Homeowner’s Insurance are required on all Homelines.

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