Our Loans Rates
Today’s Current Rates
Auto Loans:
| Term | New Auto1 Fixed Rate APR* As Low As | Used Auto Fixed Rate APR* As Low As |
|---|---|---|
| 12 to 36 months | 2.49% | 2.79% |
| 48 months | 2.49% | 2.79% |
| 60 months | 2.64% | 2.94% |
| 72 months | 2.99% | 3.29% |
| 84 months | 3.49% | 3.79% |
Motorcycles
| Term | New – Fixed Rate APR* As Low As | Used – Fixed Rate APR* As Low As |
|---|---|---|
| 12 to 48 months | 4.69% | 4.69% |
| 60 to 72 months | 5.19% | 5.19% |
RV, Campers, Trailers, Boats, Jetskis & Van Conversions
| Term | New – Fixed Rate APR* As Low As | Used – Fixed Rate APR* As Low As |
|---|---|---|
| 48 months | 5.49% | 5.49% |
| 60 months | 5.74% | 5.74% |
| 72 months | 6.24% | – |
| 84 months | 6.74% | – |
| 120 months | 7.94% | 6.69% |
1st Mortgages
| Term | ||
|---|---|---|
| 10-30 years | Fixed and variable rates available | Click Here to Learn More |
Variable Rate Home Equity Loans
| Term | Variable Rate APR3 |
|---|---|
| 10 year draw and 15 year payback | 4.00% |
2nd Mortgages
| Term | Fixed Rate APR |
|---|---|
| 5 years | 4.09% |
| 10 years | 4.49% |
| 15 years | 4.99% |
Fixed Rate Personal Loan
| Term | APR* As Low As |
|---|---|
| up to 24 months | 5.49% |
| 24 to 36 months | 5.99% |
| 37 to 48 months | 7.99% |
| 49 to 60 months | 9.99% |
Share Secured Loans
| Type | APR* As Low As | Description |
|---|---|---|
| Secured by your Kaiperm Savings Account | 3.25% + Savings Dividend Rate | View current deposit rates |
| Secured by your Kaiperm Certificate | 3.00% + Certificate Rate | View current deposit rates |
Variable Rate Credit Card (Visa)
| Type | Annual Fee | Variable Rate APR3 |
|---|---|---|
| Cash Back – Annual Fee | $12.00 | 10.89% |
| Cash Back – No Annual Fee | None | 12.09% |
* APR – Annual Percentage Rate is subject to change and may vary depending on evaluation of credit history, so your rate may differ.
1. New Autos are considered any auto within 3 years of current year, with 36,000 miles or less
2. Includes classic cars, ATVs, boats, and RVs.
3. This Variable APR (Annual Percentage Rate) will vary with the market based on the 91 Day Treasury Bill as published on the third Thursday of each month. Rates are effective on the 1st day of the month and can change monthly.
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A Safe Place for Your Money
Kaiperm members can find comfort in knowing that no matter the size of your deposit, every dollar is safe, secure and 100% insured by the NCUA, up to $250,000. We're here to keep your assets safe as they grow.