Auto Loans
Rate Effective Date: November 1, 2025
| Term | New Auto1 Fixed Rate APR* As Low As | Used Auto Fixed Rate APR* As Low As |
|---|---|---|
| 12 to 36 months | 5.49% | 5.79% |
| 48 months | 5.59% | 5.89% |
| 60 months | 5.79% | 5.99% |
| 72 months | 5.99% | 6.19% |
| 84 months | 6.49% | 6.59% |
Motorcycles
Rate Effective Date: November 1, 2025
| Term | New – Fixed Rate APR* As Low As | Used – Fixed Rate APR* As Low As |
|---|---|---|
| 12 to 48 months | 6.79% | 7.39% |
| 60 to 72 months | 7.49% | 7.89% |
RV, Campers, Trailers, Boats, Jetskis & Van Conversions
Rate Effective Date: November 1, 2025
| Term | New – Fixed Rate APR* As Low As | Used – Fixed Rate APR* As Low As |
|---|---|---|
| 48 months | 7.75% | 8.25% |
| 60 months | 7.75% | 8.25% |
| 72 months | 7.95% | – |
| 84 months | 8.15% | – |
| 120 months | 8.35% | 8.60% |
1st Mortgages
Rate Effective Date: November 1, 2025
| Term | ||
|---|---|---|
| 10-30 years | Fixed and variable rates available | Click Here to Learn More |
Variable Rate Home Equity Loans
Rate Effective Date: November 1, 2025
| Term | Variable Rate APR* |
|---|---|
| 10 year draw and 15 year payback | 7.00% |
Fixed Rate 2nd Mortgages
Rate Effective Date: November 1, 2025
| Term | Rate APR* |
|---|---|
| 5 years | 7.24% |
| 10 years | 7.49% |
| 15 years | 7.99% |
Fixed Rate Personal Loans
Rate Effective Date: November 1, 2025
| Term | APR* As Low As |
|---|---|
| up to 24 months | 9.34% |
| 24 to 36 months | 9.44% |
| 37 to 48 months | 9.54% |
| 49 to 60 months | 9.84% |
Share Secured Loans
Rate Effective Date: November 1, 2025
| 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)
Rate Effective Date: November 1, 2025
| Type | Annual Fee | Variable Rate APR* |
|---|---|---|
| Cash Back – Annual Fee | $12.00 | 14.80% |
| Cash Back – No Annual Fee | None | 16.03% |
* APR – Annual Percentage Rate is subject to change and may vary depending on evaluation of credit history, so your rate may differ.
1. Model year must be previous (model) year or newer, with 36,000 miles or less
