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Current Rates

As a not-for-profit financial cooperative, Kohler Credit Union returns profits to its members by providing higher deposit rates and lower loan rates. We work diligently to provide the most-desired financial products and services in an economical manner.

Mortgage Rates

View daily rates.

*Rate based on minimum loan amount of $180,000 for a home purchase. APR equals annual percentage rate.

 

Autos and Motorcycles

Autos, Motorcycles*    
2012 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 24 Months 2.50% $42.78
25 to 36 Months 2.75% $28.98
37 to 48 Months 2.75% $22.04
49 to 60 Months 2.75% $17.86
2014 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
61 to 72 Months 2.75% $15.10
73 to 84 Months ($40,000 and above) 3.75% $13.56
2009 - 2011    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 24 Months 4.00% $43.44
25 to 36 Months 4.50% $29.76
37 to 48 Months 5.50% $23.26
2008    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 8.50% $31.58
2007 and Older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 10.25% $32.40

Rates as of December 23, 2016.
* Based on loans up to 110% the lesser of purchase price or NADA value to qualified borrowers.
† Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, direct deposit of net check to Kohler Credit Union checking account and auto payment of the loan. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

 

ATV's, Snowmobiles, Trailers, Scooters, Mopeds, Etc.

ATV's, Snowmobiles, Trailers, Scooters, Mopeds, Etc.*    
2012 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 24 Months 3.60% $43.26
25 to 36 Months 4.10% $29.58
37 to 48 Months 4.60% $22.86
49 to 60 Months 5.10% $18.92
2009 - 2011    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 7.85% $31.28
37 to 48 Months 8.10% $24.46
2007 and Older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 10.25% $32.40

Rates as of December 23, 2016.
* Based on loans up to 110% the lesser of purchase price or NADA value to qualified borrowers.
† Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, direct deposit of net check to Kohler Credit Union checking account and auto payment of the loan. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

 

RV's and Boats

RV's, Boats*    
2014 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months ($1,000-$4,999) 6.75% $30.78
Up to 72 Months ($5,000-$9,999) 5.75% $16.46
Up to 144 Months ($10,000-$19,999) 3.75% $8.64
Up to 180 Months ($20,000 and over) 3.75% $7.28
2010-2013    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months ($1,000-$4,999) 6.99% $30.88
Up to 72 Months ($5,000-$9,999) 5.99% $16.58
Up to 144 Months ($10,000 and over) 3.99% $8.76

Rates as of December 23, 2016.
* Based on loans up to 110% the lesser of purchase price or NADA value to qualified borrowers.
† Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, direct deposit of net check to Kohler Credit Union checking account and auto payment of the loan. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

 

Personal Loans

PERSONAL LOANS    
MAXIMUM TERM APR RATE AS LOW AS * MONTHLY PAYMENT †
Up to 36 Months 10.25% $32.40

Rates as of December 23, 2016.
* Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain credit worthiness criteria, direct deposit to a Kohler Credit Union checking account and auto payment of the loan.

† Monthly payment is based on payment per $1,000 for rate and term.

 

Personal Savings Accounts

Deposit Type Minimum Balance** Rate APY * Dividend Period "Call KCU" Access
Basic Share (and secondary shares) $5.00 0.05% 0.05% Monthly Yes
Escrow $0.00 0.14% 0.14% Monthly Yes
Fair Share (Money Market Account) < $2500.00 0.05% 0.05% Monthly Yes
Fair Share (Money Market Account) $2500.00 0.05% 0.05% Monthly Yes
Premium Money Market < $10,000.00 † 0.05% 0.05% Monthly Yes
Premium Money Market $10,000.00 0.05% 0.05% Monthly Yes
Premium Money Market $25,000.00 0.05% 0.05% Monthly Yes
Premium Money Market $50,000.00 0.10% 0.10% Monthly Yes
Premium Money Market $100,000.00 0.15% 0.15% Monthly Yes
Health Savings Account < $500.00 0.05% 0.05% Monthly Yes
Health Savings Account $500 0.10% 0.10% Monthly Yes
Health Savings Account $2,500.00 0.15% 0.15% Monthly Yes
Health Savings Account $5,000.00 0.20% 0.20% Monthly Yes
Health Savings Account > $15,000.00 0.25% 0.25% Monthly Yes
Christmas Club $0.00 0.25% 0.25% Monthly Yes
Golden Shares $5.00 0.05% 0.05% Monthly Yes
Little Savers Club (Ages 5 and under) $5.00 0.05% 0.05% Monthly Yes
Planet M (Ages 6-12) $5.00 0.05% 0.05% Monthly Yes
boom! Money & Stuff (Ages 13-17) $5.00 0.05% 0.05% Monthly Yes

APY is accurate as of December 23, 2016 the last dividend declaration date.
Rates may change after the account is opened. Maintenance or activity fees could reduce the earnings on the account. Membership is required.

* APY equals Annual Percentage Yield.

** Minimum balance required to earn the advertised APY.

† Should your Premium Money Market fall below $10,000, your account will be charged a monthly service fee of $15.00.

 

IRA & IRA Share

DEPOSIT TYPE MINIMUM BALANCE** RATE APY * DIVIDEND PERIOD
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 0.05% 0.05% Monthly
1 Year $500 - $9,999 0.05% 0.05% Monthly
1 Year $10,000 - $24,999 0.05% 0.05% Monthly
1 Year $25,000 & Over 0.10% 0.10% Monthly
2 Year $500 - $9,999 0.15% 0.15% Monthly
2 Year $10,000 - $24,999 0.20% 0.20% Monthly
2 Year $25,000 & Over 0.25% 0.25% Monthly
3 Year $500 - $9,999 0.30% 0.30% Monthly
3 Year $10,000 - $24,999 0.35% 0.35% Monthly
3 Year $25,000 & Over 0.40% 0.40% Monthly
4 Year $500 - $9,999 0.45% 0.45% Monthly
4 Year $10,000 - $24,999 0.50% 0.50% Monthly
4 Year $25,000 & Over 0.55% 0.55% Monthly
5 Year $500 - $9,999 0.65% 0.65% Monthly
5 Year $10,000 - $24,999 0.70% 0.70% Monthly
5 Year $25,000 & Over 0.75% 0.75% Monthly

APY is accurate as of December 23, 2016, the last dividend declaration date.
Rates may change after the account is opened. Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Rates for Traditional, Educational and Roth IRA’s are the same, though tax consequences may vary. Contact a tax advisor for more information. Membership is required.

*APY equals Annual Percentage Yield.

**Minimum balance required to earn the advertised APY.

 

Share Certificates

DEPOSIT TYPE MINIMUM BALANCE** RATE APY* DIVIDEND PERIOD
3 Month $500 0.05% 0.05% Monthly
6 Month $500 0.05% 0.05% Monthly
1 Year $500-$9,999.99 0.05% 0.05% Monthly
1 Year $10,000-$24,999.99 0.05% 0.05% Monthly
1 Year $25,000 & Over 0.10% 0.10% Monthly
2 Year $500-$9,999.99 0.15% 0.15% Monthly
2 Year $10,000-$24,999.99 0.20% 0.20% Monthly
2 Year $25,000 & Over 0.25% 0.25% Monthly
3 Year $500-$9,999.99 0.30% 0.30% Monthly
3 Year $10,000-$24,999.99 0.35% 0.35% Monthly
3 Year $25,000 & Over 0.40% 0.40% Monthly
4 Year $500-$9,999.99 0.45% 0.45% Monthly
4 Year $10,000-$24,999.99 0.50% 0.50% Monthly
4 Year $25,000 & Over 0.55% 0.55% Monthly
5 Year $500-$9,999.99 0.65% 0.65% Monthly
5 Year $10,000-$24,999.99 0.70% 0.70% Monthly
5 Year $25,000 & Over 0.75% 0.75% Monthly

Rates as of December 23, 2016.
Rates may change after the account is opened. Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Membership is required.

*APY equals Annual Percentage Yield.

**Minimum balance required to earn the advertised APY.