Consumer Loan Rates

Personal Loans

Loan ProductLoan AmountAPR1Payment2Term
Personal Unsecured$1,000 to $10,0009.75%$21.2112 - 60 Months

1 APR = Annual Percentage Rate is accurate as of 10/15/2019 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 ProductLine AmountAPR1Fee
Cashline
Unsecured Line of Credit
$500 to $5,000Variable rate:
WSJ Prime Rate + 6%
Currently = 11.00%
$15 Annual Fee

1 APR = Annual Percentage Rate is accurate as of 10/15/2019 and only available with a linked FKCB checking account. Subject to change without notice.

Subject to credit approval.


Vehicle Loans

Loan ProductAPR1Payment2
New Auto
12 - 60 months3.95%$18.43
61 - 72 months4.50%$15.91
Used Auto (7 years and less)
12 - 48 months5.75%$23.43
49 - 60 months6.00%$19.39
Used Auto (8 - 10 years)
12 - 24 months7.75%$45.25
New Motorcycle
12 - 60 months7.00%$19.86
Used Motorcycle
12 - 48 months8.25%$24.62

1 APR = Annual Percentage Rate is accurate as of 10/15/2019 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 ProductTermInterest RateAPR1Payment2
Fixed Rate Home Equity Loan - First Lien60 months3.75%3.79%$18.30
Fixed Rate Home Equity Loan - First Lien120 months4.25%4.27%$10.24
Fixed Rate Home Equity Loan - First Lien180 months4.35%4.37%$7.57
Fixed Rate Home Equity Loan - Subordinate Lien60 months5.00%5.05%$18.87
Fixed Rate Home Equity Loan - Subordinate Lien120 months5.75%5.77%$10.98
Fixed Rate Home Equity Loan - Subordinate Lien180 months6.30%6.32%$8.60

1 APR = Annual Percentage Rate is accurate as of 10/15/2019 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 ProductDetails
Homeline
Home Equity Line of Credit
Current APR1 is 4.75%, 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 10/15/2019 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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