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Kellogg Community Credit Union
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rates

Loan Rates
Effective Date: Friday, January 17th, 2020
NameAPR as low asTerms
Vehicle loan 2015-2020 3.250% (up to 30 months) Terms available up to 90 months *
Vehicle loan 2013-2014 3.250% (up to 30 months) Terms available up to 66 months *
Vehicle loan 2010-2012 3.250% (up to 30 months) Terms available up to 66 months *
Rv/boat 2018-2020 4.500% (up to 48 months) Terms available up to 180 months *
Rv/boat 2010-2017 4.500% (up to 48 months) Terms available up to 180 months *
Signature loans 8.990% A convenient loan for any purpose
Visa platinum credit card 8.990% Great low rate!
Checking Line-of-Credit 12.490% A perfect solution for small loans or spontaneous purchases!
Share Secured 5.000% Terms available up to 60 months
APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. * Rates may vary based on term.
Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a loan of $100,000.00 at a rate of 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan to value ratio of 80%, 20% down.

Mortgage Rates
Effective Date: Friday, January 17th, 2020
NameRate as low asAPR
Fixed rate mortgage, 30 yr 3.625% 3.725%
Fixed rate mortgage, 20 yr 3.500% 3.640%
Fixed rate mortgage, 15 yr 3.250% 3.429%
Fixed rate mortgage, 10yr 3.125% 3.384%
5 year fixed home equity 4.250% Enjoy great low rates with flexible terms
Variable home equity loc 5.000% Enjoy a home equity line that is there when you need it
APR = Annual Percentage Rate. Rates are subject to change without notice. Subject to credit approval and other conditions. * Rates may vary based on term.
Regular monthly payments will be determined based on the rate, term selected, and individual loan amount—for example for a loan of $100,000.00 at a rate of 4.375% is a monthly principal and interest payment of $499.29. or $4.99 for each $1,000.00 borrowed. This is based on a loan to value ratio of 80%, 20% down.

Savings Rates
Effective Date: Friday, January 17th, 2020
NameAPYMinimum DepositMinimum Balance
Regular Savings 0.150% $5.00 $5.00
Secondary Savings 0.150% $0.00 $5.00
Christmas Club 0.150% $0.00 $5.00
Kasasa Saver*** 0.500% $0.00 $0.00
Money Market Plus 0.500% $0.00 $1,000.00
Money Market Plus 0.500% $0.00 $10,000.01
Money Market Plus 0.600% $0.00 $25,000.01
Money Market Plus 1.100% $0.00 $50,000.01
Money Market Plus 1.200% $0.00 $100,000.01
Money Market Plus 1.300% $0.00 $200,000.01
Money Market Plus 1.700% $0.00 $250,000.01
Money Market Checking 0.500% $0.00 $5,000.00
Money Market Checking 0.550% $0.00 $25,000.01
Money Market Checking 0.600% $0.00 $50,000.01
Personal Checking 0.000% $0.00 $0.00
4% eChecking** 4.000% $0.00 $0.00
Kasasa Cash* 4.250% $0.00 $0.00
Minimum balance must be met to earn dividend APY=Annual Percentage Yield

See account details and dividend qualifications:*Kasasa Checking Accounts**4% eChecking***Kasasa Saver

.

Business Money Market Rates
Effective Date: Friday, January 17th, 2020
NameAPYMinimum BalanceMaximum Balance
Business Money Market 0.150% 1,000.00 25,000.00
Business Money Market 0.350% 25,000.01 50,000.00
Business Money Market 0.400% 50,000.01 100,000.00
Business Money Market 0.500% 100,000.01  
*Minimum balance must be met to earn dividend
APY=Annual Percentage Yield.

Certificate Specials*
Effective Date: Friday, January 17th, 2020
NameAPYMinimum Deposit
No certificate specials available at this time

Certificate Rates
Effective Date: Friday, January 17th, 2020
NameAPYMinimum Deposit
6 Month Certificate 0.950% $500.00
6 Month Certificate 1.250% $50,000.00
1 Year Certificate 1.100% $500.00
1 Year Certificate 1.450% $50,000.00
2 Year Certificate 1.200% $500.00
2 Year Certificate 1.550% $50,000.00
3 Year Certificate 1.350% $500.00
3 Year Certificate 1.700% $50,000.00
4 Year Certificate 1.750% $500.00
4 Year Certificate 1.950% $50,000.00
5 Year Certificate 2.000% $500.00
5 Year Certificate 2.150% $50,000.00
APY=Annual Percentage Yield.

IRAs
Effective Date: Friday, January 17th, 2020
DescriptionAPYMinimum Balance
Traditional IRA 0.800% 5.00
Roth IRA 0.800% 5.00
6 Month IRA Certificate 0.950% 500.00
6 Month IRA Certificate 1.250% 50,000.00
1 Year IRA Certificate 1.100% 500.00
1 Year IRA Certificate 1.450% 50,000.00
2 Year IRA Certificate 1.200% 500.00
2 Year IRA Certificate 1.550% 50,000.00
3 Year IRA Certificate 1.350% 500.00
3 Year IRA Certificate 1.700% 50,000.00
4 Year IRA Certificate 1.750% 500.00
4 Year IRA Certificate 1.950% 50,000.00
5 Year IRA Certificate 2.000% 500.00
5 Year IRA Certificate 2.150% 50,000.00
APY=Annual Percentage Yield.

Youth Certificates
Effective Date: Friday, January 17th, 2020
NameAPYMinimum BalanceMaximum Deposit
Child Certificate ages 0-5 4.000% $100.00 $5,000.00
Youth Certificate ages 6-12 4.000% $100.00 $5,000.00
Teen Certificate ages 13-17 4.000% $100.00 $5,000.00
APY = Annual Percentage yield. Tier 1: A dividend rate of 3.94% will be paid on the portion of your average daily balance that is less than or equal to $5000.00. The annual percentage yield for this tier is 4.00%. Tier 2: A dividend rate of 0.00% will be paid on the portion of your average daily balance that is greater than $5000.00. The annual percentage yield for this tier will range from 1.33% to 4.00%, depending on the balance in the account.