Your home’s holding out on you.
You take care of your place — now have it take care of you. Cash in on your hard-earned equity.
Benefits You’ll Love
- Financing that’s backed by your home equity
- Available for practically any of life’s needs
- The interest you pay may be tax deductible**
- Access a line of credit for more flexibility
Enjoy a 6-month introductory rate of 2.99% APR* on a qualifying HELOC!
- Use your home equity to access a line of cash for nearly anything
- Competitive rates for several ongoing or seasonal needs:
- Education expenses
- Major life events
- Major home improvements
- Debt consolidation
- Emergency reserve
- And much more
- The existing equity in your home is used as collateral backing
- Borrow up to 100% of your home’s appraised value depending on your equity
- HELOCs range from $10,000 to $200,000**
- Closing costs are waived on loans > $25,000
- Accommodating repayment terms that work uniquely for you
- Funds available anytime without reapplying; apply once, then use repeatedly thereafter
- Revolving credit — as principal is repaid, more becomes available for use
- The interest paid might be tax deductible***
- Turn your home equity into cash you can use for nearly purpose
- Competitive rates for several short-term or one-time needs:
- Education expenses
- Major life events
- Home remodel projects
- Debt consolidation
- And much more
- The existing equity in your home is used as collateral backing
- Borrow up to 90% of your home’s appraised value depending on your equity
- Loans range from $15,000 to $500,000*
- Accommodating repayment terms that work uniquely for you
- The interest paid might be tax deductible**
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
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*APR = Annual Percentage Rate. Eligibility is based on credit history and proof of income. The 2.99% APR intro rate is based on loan-to-value ratio. 1st HELOCs with a loan-to-value of > 90% will receive a 4.99% APR intro rate. 2nd HELOCs with a loan-to-value of > 80% will receive a 4.99% APR intro rate. APR promotional rate expires 6 months from HELOC opening. Any remaining unpaid balance will revert to earned APR after 6 months. Intro rate subject to change at any time. Closing costs are paid by Mutual if the loan stays open at least 24 months. If balance is paid off and loan is closed within 24 months, member must repay closing costs.
**If the loan is less than $25K we do not waive fees associated with the loan (appraisal, title exam, recording fees). Other fees may be assessed as needed.
***Consult a tax advisor.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Boats (New & Used) And RVs (New & Used)
| Terms | APR |
|---|---|
| Up to 24 Months | 7.69% |
| Up to 36 Months | 7.69% |
| Up to 48 Months | 7.69% |
| Up to 60 Months | 7.79% |
| Up to 72 Months | 7.89% |
| Up to 84 Months | 7.99% |
| Up to 96 Months | 8.19% |
| Up to 120 Months | 8.29% |
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
Business Certificates
| Term | Minimum Opening Deposit | APY* |
|---|---|---|
| 6 Month Business Certificate | $1,000 | 0.15% |
| 12 Month Business Certificate | $1,000 | 0.35% |
| 18 Month Business Certificate | $1,000 | 0.40% |
| 24 Month Business Certificate | $1,000 | 0.50% |
| 30 Month Business Certificate | $1,000 | 0.60% |
| 36 Month Business Certificate | $1,000 | 0.70% |
| 48 Month Business Certificate | $1,000 | 0.75% |
*APY = Annual Percentage Yield. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Business Investment Accounts
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Business Money Market Account (Tiered Rate Account) | $2,500 - $149,999.99 | 0.40% |
| Business Money Market Account | $150,000 - $249,999.99 | 1.50% |
| Business Money Market Account | $250,000 & Greater | 2.50% |
Certificate Specials
| Term | Minimum Opening Deposit | APY* |
|---|---|---|
| 8 Month Special | $1,000 | 4.25% |
| 12 Month Special | $1,000 | 3.75% |
| 18 Month Special | $1,000 | 3.00% |
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Certificates
| Term | Minimum Opening Deposit | APY* |
|---|---|---|
| 3 Month Certificate | $1,000 | 0.15% |
| 6 Month Certificate | $1,000 | 0.15% |
| 8 Month Certificate | $1,000 | 0.25% |
| 12 Month Certificate | $1,000 | 0.35% |
| 18 Month Certificate | $1,000 | 0.40% |
| 24 Month Certificate | $1,000 | 0.50% |
| 30 Month Certificate | $1,000 | 0.60% |
| 36 Month Certificate | $1,000 | 0.70% |
| 48 Month Certificate | $1,000 | 0.75% |
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Credit Cards
| Type | APR | Minimum Payment |
|---|---|---|
| Visa Platinum | WSJP + 4% | 2% Of Total Balance or $25 Whichever is Greater |
| Visa Rewards | WSJP + 7% | 2% Of Total Balance or $25 Whichever is Greater |
Listed APR is AS LOW AS and is based on credit qualification.
These APRs will vary with the market based on the Wall Street Journal Prime Rate
APR = Annual Percentage Rate
Home And Land Loans
| Loan | Terms | APR |
|---|---|---|
| Home Equity Line of Credit | Rates as low as Wall Street Journal Prime Rate Plus 0%. Based on credit qualification. | As low as Wall Street Prime Rate + 0% |
| Mobile Home (New or Used) | Up to 120 Months | 10.75% |
| First and Second Mortgages | We offer a wide range of mortgage products. Ask us how we can help you find the right loan to fit your needs. | Rates fluctuate, see our mortgage specialist for details. |
| Land | Up to 180 Months | 8.34% |
Listed APR is AS LOW AS and is based on credit qualification.
Investment Accounts
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Mutual Asset Management Account (MAMA) | $2,500 | 0.40% |
| Premier Money Market Account (Tiered Rate Account) | $2,500 - $149,999.99 | 0.40% |
| Premier Money Market Account | $150,000 - $249,999.99 | 1.50% |
| Premier Money Market Account | $250,000 & Greater | 2.50% |
IRAs
| Term | Minimum Opening Deposit | APY |
|---|---|---|
| 6 Month IRA Certificate | $1,000 | 0.15% |
| 12 Month IRA Certificate | $1,000 | 0.35% |
| 18 Month IRA Certificate | $1,000 | 0.40% |
| 24 Month IRA Certificate | $1,000 | 0.50% |
| 30 Month IRA Certificate | $1,000 | 0.60% |
| 36 Month IRA Certificate | $1,000 | 0.70% |
| 48 Month IRA Certificate | $1,000 | 0.75% |
| IRA Share Account | $500 | 0.25% |
As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Kasasa Saver*
| Tier | Dividend Rate | APY |
|---|---|---|
| 0 - $5,000 | 0.30% | 0.30% |
| $5,000+ | 0.20% | 0.30% to 0.20% |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
That's really it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on your Kasasa Saver balance. And you can get right back to earning your full rewards the very next cycle that you qualify.
*Recurring payments from your debit card are not used in calculating the total number of debit swipes.
Motorcycles (New & Used) And ATVs (New & Used)
| Terms | APR |
|---|---|
| Up to 24 Months | 7.69% |
| Up to 36 Months | 7.69% |
| Up to 48 Months | 7.69% |
| Up to 60 Months | 7.79% |
| Up to 72 Months | 7.99% |
| Up to 84 Months | 8.19% |
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
New Vehicle Loans
| Terms | APR |
|---|---|
| Up to 24 Months | 4.69% |
| Up to 36 Months | 4.69% |
| Up to 48 Months | 4.69% |
| Up to 60 Months | 4.99% |
| Up to 72 Months | 5.19% |
| Up to 84 Months | 5.99% |
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
APR = Annual Percentage Rate
Personal Loans
| Loan | Terms | APR |
|---|---|---|
| Personal Signature Loan | Up to 72 Months | 9.99% |
| Share Secured | Up to 100% of Secured Amount | Share dividend rate + 3.00% |
| FlashCash | Up to 12 months | 28.00% |
Listed APR is AS LOW AS and is based on credit qualification. Your rate may be different than the rate listed.
Savings
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Share Savings1 | $10 | 0.25% |
| Secondary Savings | $10 | 0.25% |
| MY Investment Account1 | $10 | 0.50% up to $5,000 0.25% on $5,000+ |
1 $5.00 Membership fee required
Used Vehicle Loans
| Terms | APR |
|---|---|
| Up to 24 Months | 4.69% |
| Up to 36 Months | 4.69% |
| Up to 48 Months | 4.69% |
| Up to 60 Months | 4.99% |
| Up to 72 Months | 5.19% |
| Up to 84 Months | 5.99% |
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
APR = Annual Percentage Rate
