• New Slide
Home   >   Rates

Autos and Motorcycles

Autos, Motorcycles*    
2021 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
73 to 84 Months 8.09% $15.64
2019 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 6.34% $30.58
37 to 48 Months 6.84% $23.88
49 to 60 Months 6.84% $19.73
61 to 72 Months 7.09% $17.10
2018 and older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 8.84% $31.73
37 to 48 Months 9.34% $25.06
49 to 60 Months ($20,000 and over) 9.59% $21.05
61 to 72 Months($25,000 and over) 9.84% $18.45

Rates as of January 24, 2024.
* 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, and direct deposit of net payroll check to a Kohler Credit Union checking account. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

 

Mortgage

Mortgage Rates        
Term Rate 3 APR 4 Points 5 PMT 2
30 Year Fixed 6.875% 6.988% 0.00% $6.60
20 Year Fixed 6.375% 6.520% 0.00% $7.39
15 Year Fixed 6.375% 6.556% 0.00% $8.65
10/1 ARM 1 7.000% 7.700% 0.00% $9.00
7/1 ARM 1 6.500% 7.676% 0.00% $8.72
5/1 ARM1 6.250% 7.768% 0.00% $8.58
3/1 ARM 1 6.125% 7.936% 0.00% $8.51

1Published rate may be adjusted based on credit score and down payment. ARMs require 5% minimum down payment. Rate adjustment could occur after the initial term (1, 3, 5, 7, or 10 years) and annually thereafter based on the UST1YW as published in the Wallstreet Journal; loan rate is calculated by adding a margin of 2.75%. Rate will not increase more than 2% in any given year and not more than 6% total over the loan term on 1, 3, or 5 year ARM. Rate will not increase more than 5% in any given year and not more than 5% total over the loan term on 7 or 10 year ARM.  No conversion option. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Non-refundable application Fee of $599 is required. Available on single family, detached homes, owner-occupied upon completion. Additional restrictions may apply. Rates and terms are subject to change at any time and without notice.

2To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, 30-year 6.375% loan for $100,000 would be: 100 X $6.24= $624 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes, insurance, and private mortgage insurance if required.

3Rates are based on Purchase money transactions, refinance terms are also available as not all programs are shown. For more information, please contact a Kohler Credit Union Mortgage Originator. Actual payments will be higher with taxes, insurance, and private mortgage insurance if required. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. A non-refundable application fee of $599 is required. Private Mortgage Insurance (PMI) required for loans with less than 20% down.

4Annual percentage rate (APR) refers to the yearly interest generated by a sum that's charged to borrowers or paid to investors. APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan or income earned on an investment. This includes any fees or additional costs associated with the transaction but does not take compounding into account. The APR provides consumers with a bottom-line number they can compare among lenders, credit cards, or investment products. 

5A mortgage point equals 1 percent of your total loan amount — for example, on a $100,000 loan, one point would be $1,000. Mortgage points are essentially a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payments (a practice known as “buying down” your interest rate). Typically, you would buy points to lower your interest rate on a fixed rate mortgage. Buying points for an ARM only provides a discount on the initial fixed period of the loan and isn't generally done. Because you’re paying more up front, the reduced interest rate will only save you money over the long term. The longer you plan to own your new home, the better the chance that you’ll reach the “break-even” point where the interest you've saved compensates for your initial cash outlay. If you have a shorter-term plan, have limited cash, or would benefit more from a bigger down payment, paying points may not benefit you. A Kohler Credit Union mortgage loan originator can help you decide whether paying points is an option for you.

 

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

ATV's, Snowmobiles, Trailers, Scooters, Mopeds, Etc.*    
2019 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 7.09% $30.93
37 to 48 Months 7.34% $24.11
49 to 60 Months 7.59% $20.09
61 to 72 months ($15,000 and over) 7.84% $17.46
2016 - 2018    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 10.84% $32.67
37 to 48 Months 11.09% $25.90
2015 and Older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 11.34% $32.91

Rates as of January 24, 2024.
* 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, and direct deposit of net payroll check to a Kohler Credit Union checking account. 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*    
2021 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 84 Months (Under $25,000) 8.59% $15.89
Up to 120 Months ( $25,000 minimum) 8.59% $12.46
Up to 144 Months ($35,000 minimum) 8.59% $11.16
Up to 180 Months ($50,000 minimum) 8.59% $9.91
Up to 240 Months ($100,000 minimum) 9.09% $9.06
2017-2020    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 84 Months (Under $25,000) 8.84% $16.02
Up to 120 Months ($25,000 minimum) 8.84% $12.59
Up to 144 months ( $35,000 minimum) 8.84% $11.30
2016 and older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 60 Months (Under $10,000) 10.84% $21.67
Up to 84 Months ($10,000 and over) 10.84% $17.05

Rates as of January 24, 2024.
* 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, and direct deposit of net payroll check to a Kohler Credit Union checking account. 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 36M ($3,000.01 or over) 11.59% $33.03
Up to 48M ($3,000.01 or over) 12.59% $26.63
Up to 60M ($3,000.01 or over) 13.59% $23.07

Rates as of January 24, 2024.
* Rates stated as annual percentage rate. The annual percentage rate you receive is based on certain creditworthiness criteria, automatic payment with remote document signature, and direct deposit of net payroll check to a Kohler Credit Union checking account. Other terms and conditions may apply.
† Monthly payment is based on payment per $1,000 for rate and term.

 

Personal Savings Accounts

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period "Call KCU" Access
Mega Money Market ‡ <$25,000 0.35% 0.35% Monthly Yes
Mega Money Market ‡ $25,000 3.00% 3.04% Monthly Yes
Mega Money Market ‡ $150,000 3.50% 3.56% Monthly Yes
Mega Money Market ‡ $300,000 4.00% 4.07% Monthly Yes
Basic Share (and secondary shares) $5.00 0.10% 0.10% Monthly Yes
Saver's Sweepstakes $0.00 0.10% 0.10% Monthly Yes
Fair Share (Money Market Account) < $2500.00 0.10% 0.10% Monthly Yes
Fair Share (Money Market Account) $2500.00 0.40% 0.40% Monthly Yes
Premium Money Market < $10,000.00 † 0.65% 0.65% Monthly Yes
Premium Money Market $10,000.00 0.80% 0.80% Monthly Yes
Premium Money Market $25,000.00 0.95% 0.95% Monthly Yes
Premium Money Market $50,000.00 1.25% 1.26% Monthly Yes
Premium Money Market $100,000.00 1.60% 1.61% Monthly Yes
Premium Money Market $250,000.00 2.25% 2.27% Monthly Yes
Health Savings Account < $500.00 0.10% 0.10% Monthly Yes
Health Savings Account $500 0.11% 0.11% Monthly Yes
Health Savings Account $2,500.00 0.16% 0.16% Monthly Yes
Health Savings Account $5,000.00 0.21% 0.21% Monthly Yes
Health Savings Account > $15,000.00 0.26% 0.26% Monthly Yes
Christmas Club $0.00 0.25% 0.25% Monthly Yes
Piggy Bank Pals $5.00 0.10% 0.10% Monthly Yes
Escrow $0.00 0.18% 0.18% Monthly Yes

APY is accurate as of January 24, 2024 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.

ǂAPY = Annual percentage yield. Rates are accurate as of October 12, 2023. Rates and APYs for money market accounts are variable and subject to change and available for a limited time. Introductory rate will revert to the current posted rates after April 30, 2024. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Mega Money Market has the following balance tiers and corresponding rates: $25,000 – $149,999 (3.04% APY) with $25,000 minimum new money required; $150,000 – $299,999 (3.56% APY) with $150,000 minimum new money required; $300,000 or more (4.07% APY) with $300,000 minimum new money required. The advertised introductory rate is available on new Mega Money Market accounts only. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. If balance falls below the $25,000 minimum, the account will be assessed a monthly minimum balance fee and will earn 0.35% APY until the minimum balance requirement is met. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. Financial institutions are ineligible. Federally insured by the NCUA. Membership eligibility and membership is required.

 

IRA & IRA Share

DEPOSIT TYPE BALANCE REQUIREMENTS** DIVIDEND RATE APY * DIVIDEND PERIOD
11 Month (New Money)† $1,000 - $500,000 4.65% 4.75% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 & Over 1.75% 1.76% Monthly
1 Year $500 - $9,999.99 1.95% 1.97% Monthly
1 Year $10,000 - $24,999.99 2.00% 2.02% Monthly
1 Year $25,000 & Over 2.05% 2.07% Monthly
2 Year $500 - $9,999.99 2.35% 2.38% Monthly
2 Year $10,000 - $24,999.99 2.40% 2.43% Monthly
2 Year $25,000 & Over 2.45% 2.48% Monthly
3 Year $500 - $9,999.99 2.40% 2.43% Monthly
3 Year $10,000 - $24,999.99 2.45% 2.48% Monthly
3 Year $25,000 & Over 2.50% 2.53% Monthly
4 Year $500 - $9,999.99 2.45% 2.48% Monthly
4 Year $10,000 - $24,999.99 2.50% 2.53% Monthly
4 Year $25,000 & Over 2.55% 2.58% Monthly
5 Year $500 - $9,999.99 2.50% 2.53% Monthly
5 Year $10,000 - $24,999.99 2.55% 2.58% Monthly
5 Year $25,000 & Over 2.60% 2.63% Monthly

APY is accurate as of January 24, 2024 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.

†APY = Annual percentage yield. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of January 24, 2024, are subject to change, and available for a limited time. 11 month term: to receive the 4.65% rate / 4.75% APY a minimum of $1,000 is required to open and entire certificate must be funded by new money to Kohler Credit Union, with a $500,000 maximum. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 11 month certificate renews automatically to a standard 12 month certificate at the rates in effect at the time of renewal. Financial institutions and public funds are ineligible. Federally insured by the NCUA. Membership eligibility and membership is required.

 

Share Certificates

DEPOSIT TYPE BALANCE REQUIREMENTS** DIVIDEND RATE APY* DIVIDEND PERIOD
11 Month (New Money)† $1,000 - $500,000 4.65% 4.75% Monthly
3 Month $500 & Over 1.25% 1.26% Monthly
6 Month $500 & Over 1.75% 1.76% Monthly
1 Year $500-$9,999.99 1.95% 1.97% Monthly
1 Year $10,000-$24,999.99 2.00% 2.02% Monthly
1 Year $25,000 & Over 2.05% 2.07% Monthly
2 Year $500-$9,999.99 2.35% 2.38% Monthly
2 Year $10,000-$24,999.99 2.40% 2.43% Monthly
2 Year $25,000 & Over 2.45% 2.48% Monthly
3 Year $500-$9,999.99 2.40% 2.43% Monthly
3 Year $10,000-$24,999.99 2.45% 2.48% Monthly
3 Year $25,000 & Over 2.50% 2.53% Monthly
4 Year $500-$9,999.99 2.45% 2.48% Monthly
4 Year $10,000-$24,999.99 2.50% 2.53% Monthly
4 Year $25,000 & Over 2.55% 2.58% Monthly
5 Year $500-$9,999.99 2.50% 2.53% Monthly
5 Year $10,000-$24,999.99 2.55% 2.58% Monthly
5 Year $25,000 & Over 2.60% 2.63% Monthly

Rates as of January 24, 2024.
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.

†APY = Annual percentage yield. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of January 24, 2024, are subject to change, and available for a limited time. 11 month term: to receive the 4.65% rate / 4.75% APY a minimum of $1,000 is required to open and entire certificate must be funded by new money to Kohler Credit Union, with a $500,000 maximum. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 11 month certificate renews automatically to a standard 12 month certificate at the rates in effect at the time of renewal. Financial institutions and public funds are ineligible. Federally insured by the NCUA. Membership eligibility and membership is required.