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Our Deposit Rates

Deposit Rates

Today’s Current Rates

Saving & Checking

TypeMinimum BalanceAnnual Percentage Yield (APY)Rate
Dividend Savings$250.100%0.100%
Dividend Club$250.100%0.100%
Dividend Checking$250.050%0.050%
Thrive Rewards Checking$502.000% on first $10,000
0.250% on balances above $10,000
(When qualifications are met)
1.982% on first $10,000
0.250% on balances above $10,000
(When qualifications are met)
Roth IRA$100.100%0.100%
Coverdell Educational
Savings Accumulator



Term in MonthsMinimum BalanceAnnual Percentage Yield (APY)Rate
Save to Win Certificate
12 months**


*Not available for IRA Share Certificates
+ Personal Accounts only. +See Provision 8 for details about the Thrive Rewards Checking account
**See Provision 9 for Save to Win details or visit us online at: Save to Win

Our Loans Rates

Our Loans Rates

Today’s Current Rates

Auto Loans

TermNew Auto1 Fixed Rate
APR* As Low As
Used Auto Fixed Rate
APR* As Low As
12 to 36 months2.99%3.19%
48 months3.29%3.49%
60 months3.49%3.69%
72 months3.79%3.99%
84 months4.09%4.29%



TermNew – Fixed Rate
APR* As Low As
Used – Fixed Rate
APR* As Low As
12 to 48 months4.69%4.69%
60 to 72 months5.19%5.19%


RV, Campers, Trailers, Boats, Jetskis & Van Conversions

TermNew – Fixed Rate
APR* As Low As
Used – Fixed Rate
APR* As Low As
48 months5.49%5.49%
60 months5.74%5.74%
72 months6.24%
84 months6.74%
120 months7.74%7.94%


1st Mortgages

10-30 yearsFixed and variable rates availableClick Here to Learn More


Variable Rate Home Equity Loans

TermVariable Rate APR3
10 year draw and 15 year payback4.75%


2nd Mortgages

TermFixed Rate APR
5 years5.00%
10 years5.25%
15 years5.50%


Fixed Rate Personal Loan

TermAPR* As Low As
up to 24 months5.49%
24 to 36 months5.99%
37 to 48 months6.99%
49 to 60 months7.99%


Share Secured Loans

TypeAPR* As Low AsDescription
Secured by your Kaiperm Savings Account3.25% + Savings Dividend RateView current deposit rates
Secured by your Kaiperm Certificate3.00% + Certificate RateView current deposit rates


Variable Rate Credit Card (Visa)

TypeAnnual FeeVariable Rate APR3
Cash Back – Annual Fee$12.0012.53%
Cash Back – No Annual FeeNone13.76%


* 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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