Rates

See what all the talk is about.

Consumer Loan Rates

Click here to view the rate sheet.

Loan Product	Loan Amount	APR¹	Monthly Payment²	Term
Personal Unsecured	$1,000 to $10,000	12.00	$22.36	12 - 60 Months
¹ APR = Annual Percentage Rate is accurate as of 3/19/2023 with auto payment from a FKCB checking account. Subject to change without notice. ² Payment is per $1,000 based on maximum terms shown. Subject to credit approval.

Personal Lines of Credit (Cashline)

Loan Product	Line Amount	APR¹	Fee
Cashline Unsecured Line of Credit	$500 to $5,000	Variable rate: WSJ Prime Rate + 6% Currently = 13.75%	$15 Annual Fee
¹ APR = Annual Percentage Rate is accurate as of 3/19/2023 and only available with a linked FKCB checking account. Subject to change without notice. Subject to credit approval.

Loan Product	APR¹	Monthly Payment²
New Auto
12 - 60 months	5.75%	$19.26
61 - 72 months	6.00%	$16.62
Used Auto (7 years and less)
12 - 48 months	6.50%	$23.78
49 - 60 months	7.00%	$19.86
Used Auto (8 - 10 years)
12 - 24 months	8.25%	$45.50
New Motorcycle
12 - 60 months	7.50%	$20.10
Used Motorcycle
12 - 48 months	8.75%	$24.86
¹ APR = Annual Percentage Rate is accurate as of 3/19/2023 with auto payment from a FKCB checking account. Subject to change without notice. ² Payment is per $1,000 based on maximum terms shown. Subject to credit approval.

Home Equity Loans (HEL)

Loan Product	Term	Interest Rate	APR¹	Monthly Payment²
Fixed Rate HEL - First Lien	60 months	5.60%	5.65%	$19.15
Fixed Rate HEL - First Lien	120 months	6.75%	6.78%	$11.48
Fixed Rate HEL - First Lien	180 months	7.10%	7.12%	$9.04
Fixed Rate HEL - Subordinate Lien	60 months	6.60%	6.65%	$19.61
Fixed Rate HEL - Subordinate Lien	120 months	8.00%	8.03%	$12.13
Fixed Rate HEL - Subordinate Lien	180 months	9.00%	9.02%	$10.14
¹ APR = Annual Percentage Rate is accurate as of 3/19/2023 with auto payment from a FKCB checking account. Subject to change without notice. ² Payment shown is per $1,000 borrowed. Loan to value ratio must not exceed 80%. Minimum loan is $10,000 to maximum loan amount of $150,000. Homeowner’s Insurance is required on all Home Equity Loans. Subject to credit approval.

Home Equity Lines of Credit (Homeline)

Loan Product	Details
Homeline Home Equity Line of Credit	Current APR¹ is 7.50%, 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. Fees paid by borrower range from $470 - $680. $25 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 3/19/2023 with auto payment from a FKCB checking account. Subject to change without notice. Loan to value ratio must not exceed 80%. Homeowner’s Insurance is required on all Homelines. Subject to credit approval.

Pin It on Pinterest