Rates

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Consumer Loan Rates

Click here to view the rate sheet.

Loan Product	Loan Amount	APR¹	Payment²	Term
Personal Unsecured	$1,000 to $10,000	9.75%	$21.21	12 - 60 Months
¹ APR = Annual Percentage Rate is accurate as of 11/30/2020 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 = 9.25%	$15 Annual Fee
¹ APR = Annual Percentage Rate is accurate as of 11/30/2020 and only available with a linked FKCB checking account. Subject to change without notice. Subject to credit approval.

Keystone Quick Cash

Loan Product	Line Amount	APR¹	Fee
Keystone Quick Cash Unsecured Line of Credit	$1,000 to $10,000	Variable rate: WSJ Prime Rate + 6% Currently = 9.25% First six months fixed at WSJ Prime Rate 3.25%	$15 Annual Fee
¹ APR = Annual Percentage Rate is accurate as of 11/30/2020. Subject to change without notice. Subject to credit approval.

Loan Product	APR¹	Payment²
New Auto
12 - 60 months	3.95%	$18.43
61 - 72 months	4.50%	$15.91
Used Auto (7 years and less)
12 - 48 months	5.75%	$23.43
49 - 60 months	6.00%	$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 APR = Annual Percentage Rate is accurate as of 11/30/2020 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

Loan Product	Term	Interest Rate	APR¹	Payment²
Fixed Rate Home Equity Loan - First Lien	60 months	3.55%	3.60%	$18.21
Fixed Rate Home Equity Loan - First Lien	120 months	3.60%	3.62%	$9.94
Fixed Rate Home Equity Loan - First Lien	180 months	3.60%	3.62%	$7.20
Fixed Rate Home Equity Loan - Subordinate Lien	60 months	5.00%	5.05%	$18.87
Fixed Rate Home Equity Loan - Subordinate Lien	120 months	5.60%	5.62%	$10.90
Fixed Rate Home Equity Loan - Subordinate Lien	180 months	5.60%	5.62%	$8.22
¹ APR = Annual Percentage Rate is accurate as of 11/30/2020 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 3.00%, 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.
¹ APR = Annual Percentage Rate is accurate as of 11/30/2020 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.

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