Rates

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Consumer Loan Rates

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Loan Product	Loan Amount	APR¹	Payment³	Term
Personal Unsecured	$1,000 Minimum to $10,000 Maximum	9.75%²	$21.21	12 - 60 Months
¹ APR = Annual Percentage Rate is accurate as of 4/22/2019. ² With auto payment from FKCB account. ³ Payment is per $1,000 based on maximum terms shown.

Lines of Credit (Cashline)

Loan Product	Line Amount	APR¹	Fee
Cashline Unsecured Line of Credit	$500 Minimum to $5,000 Maximum	Variable rate: WSJ Prime Rate + 6% Currently = 11.50%	$15 Annual Fee
¹ APR = Annual Percentage Rate is accurate as of 4/22/2019.

Vehicle Loans

Loan Product	Interest Rate¹	Payment²
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 4/22/2019 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.

Home Equity Loans

Loan Product	Term	Interest Rate	APR¹	Payment²
Fixed Rate Home Equity Loan - First Lien	60 months	3.75%	3.79%	$18.30
Fixed Rate Home Equity Loan - First Lien	120 months	4.60%	4.62%	$10.41
Fixed Rate Home Equity Loan - First Lien	180 months	4.75%	4.77%	$7.78
Fixed Rate Home Equity Loan - Subordinate Lien	60 months	5.00%	5.05%	$18.87
Fixed Rate Home Equity Loan - Subordinate Lien	120 months	6.00%	6.03%	$11.10
Fixed Rate Home Equity Loan - Subordinate Lien	180 months	6.50%	6.52%	$8.71
¹ APR = Annual Percentage Rate is accurate as of 4/21/2019, 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.

Home Equity Lines of Credit (Homeline)

Loan Product	Details
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 4/22/2019, 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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