Rates

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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 1/17/2025 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 = 13.50%	$15 Annual Fee
¹ APR = Annual Percentage Rate is accurate as of 1/17/2025 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	6.60%	$19.67
61 - 72 months	6.85%	$17.03
Used Auto (7 years and less)
12 - 48 months	7.35%	$24.18
49 - 60 months	7.85%	$20.27
Used Auto (8 - 10 years)
12 - 24 months	9.10%	$45.90
New Motorcycle
12 - 60 months	8.35%	$20.52
Used Motorcycle
12 - 48 months	9.60%	$25.27
¹ APR = Annual Percentage Rate is accurate as of 1/17/2025 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	6.35%	6.40%	$19.50
Fixed Rate HEL - First Lien	120 months	6.55%	6.58%	$11.38
Fixed Rate HEL - First Lien	180 months	7.15%	7.17%	$9.07
Fixed Rate HEL - Subordinate Lien	60 months	8.45%	8.50%	$20.49
Fixed Rate HEL - Subordinate Lien	120 months	8.65%	8.68%	$12.48
Fixed Rate HEL - Subordinate Lien	180 months	9.15%	9.17%	$10.23
¹ APR = Annual Percentage Rate is accurate as of 1/17/2025 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. Property insurance required.

Home Equity Lines of Credit (Homeline)

Loan Product	Details
Homeline Home Equity Line of Credit	Current APR¹ is 7.25%, 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. 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 1/17/2025 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. Property insurance required.

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