Vehicle Loans
100% Retail Value on Vehicles **(Boats & RV’s)
Lower your interest rate by taking advantage of the Rate Reduction Incentive.
| Loan Type | Terms | *APR |
|---|---|---|
| New | Up to 48 months | As low as 5.50% |
| New | 49 to 60 months | As low as 6.25% |
| Used Secured | Up to 48 months | As low as 6.50% |
| Used Secured | 49 to 60 months | As low as 7.25% |
Rates as of August 2, 2023.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
** 80% Retail Value on Recreation Vehicles.
Mortgage Loans
| Type | Terms | *APR |
|---|---|---|
| First Mortgage | Up to 30 years | Call for current fixed rate or apply online. |
| Home Equity Open-End Line of Credit | Up to 20 years | Call for current variable rate. |
| Home Equity Loan Fixed Rate with Fixed Terms | Up to 10 years | Call for current fixed rate. |
Call Credit Union at (859) 367-1230 for current rates.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
Share Secured Loans
| Loan Type | Terms | *APR |
|---|---|---|
| Share Secured | Up to 72 months | 4% + Savings rate |
| Certificate Secured | Up to 72 months | 4% + CD rate |
Rates as of March 18, 2020.
* Annual Percentage Rate. Rates offered are subject to change without notice.
Credit Cards
| Type | Grace Period | Annual Fee | *APR |
|---|---|---|---|
| Visa Platinum | 25 days | $0.00 | As low as 9.90% |
Rates as of January 9, 2017.
* Annual Percentage Rate. Rates offered are subject to change without notice. Your rate may be higher based on your credit history.
Signature Loans
| Loan Type | Terms | *APR |
|---|---|---|
| Unsecured | 24 months | As low as 10.00% |
| Unsecured | 36 months | As low as 11.00% |
Rates as of August 2, 2023.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
Dividends - Share / Savings Accounts
| Account | Min Balance | Period | Rate | *APY |
|---|---|---|---|---|
| Regular Shares | $5.00 | Monthly | 0.150% | 0.15% |
| Regular Shares | $20,000.01 | Monthly | 0.750% | 0.75% |
| Special Shares | $5.00 | Monthly | 0.100% | 0.15% |
| Special Shares | $20,000.01 | Monthly | 0.750% | 0.75% |
| Loan Shares | $5.00 | Monthly | 0.150% | 0.15% |
| IRA Shares | $5.00 | Monthly | 0.150% | 0.15% |
| Education Shares | $5.00 | Monthly | 0.150% | 0.15% |
| Roth IRA | $5.00 | Monthly | 0.150% | 0.15% |
| Kids Club/Youth Account | $5.00 | Monthly | 2.022% | 2.00% |
| Kids Club/Youth Account | $1,500.01 | Monthly | 0.250% | 0.25% |
| Kasasa Cash | $5.00 | Monthly | 3.929% | 4.000% |
| Kasasa Cash | $10,000.01 | Monthly | 0.250% | 0.25% |
| Kasasa Saver | $5.00 | Monthly | 0.748% | 0.75% |
| Kasasa Saver | $10,000.01 | Monthly | 0.200% | 0.20% |
| Christmas Club | $5.00 | Monthly | 0.100% | 0.10% |
Rates as of August 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Dividends - Share, IRA or ROTH IRA Certificate of Deposits
| Period | Min Balance | Payment | Rate | *APY |
|---|---|---|---|---|
| 9 Month | $1,000.00 | Monthly | 4.649% | 4.750% |
| 1 Year | $1,000.00 | Monthly | 2.374% | 2.400% |
| 2 Years | $1,000.00 | Monthly | 2.472% | 2.500% |
| 3 Years ** | $1,000.00 | Monthly | 2.765% | 2.800% |
| 5 Years ** | $1,000.00 | Monthly | 2.862% | 2.900% |
Rates as of August 10, 2023.
* Annual Percentage Yield. Rates offered are subject to change without notice. Certificates of Deposits are subject to a penalty for early withdrawal.
** Certificate of Deposits with 3 or 5 year maturities, you can step-up your rate one time during the term of the certificate.