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The Open Road is Calling
Rates as low as 3.99%
for 84 Months*
The route to better savings starts here.
The Open Road is Calling
The route to better savings starts here.
| BALANCE | RATE | APY | BONUS RATE4 |
| $100,000 minimum balance | 2.45% | 2.50% | 3.00% |
4Advantage+ Money Market Rate Bonus Conditions
| AUTO LOANS | TERM | INTEREST RATE APR (AS LOW AS) |
|---|---|---|
| Promotional Rate | 84 Month | 3.99%** |
| New Vehicle (2023 - 2027) | 66 Month | 5.39% |
| New Vehicle (Cost over $15,000) | 75 Month | 5.49% |
| New Vehicle (Cost over $25,000) | 84 Month | 6.29% |
| Used Vehicle Max Mileage 65K (2019-2022) | 84 month | 6.43% |
| Used Vehicle (2018 and older) | 75 Month | 6.63% |
Must add 1% to vehicles >100k miles
Must use J.D. Power retail on new 2023 models
*Floor rate of 4.50% APR (Annual Percentage Rate), max term 84 months. Interest APR (Annual Percentage Rate) is listed “as low as.” Rates are subject to change without notice. Approval subject to creditworthiness.
** Floor rate of 3.99% APR (Annual Percentage Rate) max term 84 months. Existing State ECU auto loans are not eligible. Minimum of $10,000. On approved credit, rates, terms, and eligibility are based on creditworthiness and other qualifications. Expires August 31, 2026.
| AUTO LOANS | TERM | INTEREST RATE APR (AS LOW AS) |
|---|---|---|
| New Vehicle (2019 - 2022) |
66 Month | 2.69% |
| New Vehicle (Cost over $15,000) | 75 Month | 2.99% |
| New Vehicle (Cost over $25,000) |
84 Month | 3.09% |
| Used Vehicle (2015 - 2018) |
72 Month | 3.24% |
| Used Vehicle (2014 and older) |
60 Month | 3.74% |
Must add 1% to vehicles >100k miles
Must use J.D. Power retail on new 2019 models
| BALANCE | RATE | APY |
| $0 - $9,999.99 | 0.10% | 0.10% |
| $10,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $249,999.99 | 0.30% | 0.30% |
| $250,000 - $499,999.99 | 0.35% | 0.35% |
| $500,000 and above | 0.45% | 0.45% |
| BALANCE | RATE | APY |
| $0 - $9,999.99 | 0.15% | 0.15% |
| $10,000 - $49,999.99 | 1.75% | 1.75% |
| $50,000 - $249,999.99 | 2.00% | 2.00% |
| $250,000 - $499,999.99 | 2.25% | 2.25% |
| $500,000 and above | 2.50% | 2.50% |
| CREDIT CARDS | TERM | APR |
|---|---|---|
| Visa Platinum | Non-variable Rate | 7.50% |
| Visa Gold | Non-variable Rate | 9.25% |
| Visa Classic | Non-variable Rate | 12.50% |
| TERM | MAXIMUM AMOUNT FINANCED | APR | RATE |
|---|---|---|---|
| 30 year (fixed) | 80% loan to value | Call for rate 800.983.7328 | |
| 30 year with 10 year call | 85% loan to value | Call for rate 800.983.7328 | |
| 15 year (fixed) | 80% loan to value | 6.166% | 6.00% |
^APR is based on $100,000 loan amount and a Loan Origination Fee of 1% plus a $50 Doc Prep Fee and $19 Flood Certification Fee. Minimum loan amount $10,000. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debit of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC
| TERM | MAXIMUM AMOUNT FINANCED | APR | RATE |
|---|---|---|---|
| 30 year (10 year draw) | 80% combined loan to value | 6.76% | 6.75% variable rate |
Floor rate of 6.00%. Document preparation fee of $200.00. Minimum loan amount $10,000.00 Interest only payment.
NMLS# 402473. Equal Opportunity Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Available for primary and second single-family homes. 10-year draw with interest-only payments, followed by up-to 20-year repayment period. You can borrow up-to 90% of your home’s maximum loan to Value (LTV), with a maximum loan amount of $250,000. Rates subject to change after loan is funded.
| TYPE | RATE | APY | MINIMUM BALANCE |
| Traditional | 0.40% | 0.40% | $0 |
| Roth | 0.40% | 0.40% | $0 |
| BALANCE | RATE | APY |
| Balances up to $50,000 | 1.53% | 1.55% |
| Balances over $50,000 | 0.30% | 1.55% to 0.72% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.
| BALANCE | RATE | APY |
| Balances up to $50,000 | 1.10% | 1.10% |
| Balances over $50,000 | 0.30% | 1.10% to 0.57% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.
| BALANCE | RATE | APY |
| Balances up to $50,000 | 0.60% | 0.60% |
| Balances over $50,000 | 0.30% | 0.60% to 0.40% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate too. To earn your rewards just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
And if you don’t meet these qualifications, don’t worry. Your Kasasa accounts are still free. You’ll also earn our base dividend rate on Kasasa Saver — and you can get right back to earning your full rewards the very next cycle that you qualify.
| BALANCE | RATE | APY |
| $1,000 - $9,999 | 0.10% | 0.10% |
| $10,000 - $24,999 | 0.15% | 0.15% |
| $25,000 - $49,999 | 0.20% | 0.20% |
| Over $50,000 | 0.30% | 0.30% |
| BALANCE | RATE | APY |
| $0 - $9,999 | 0.15% | 0.15% |
| $10,000 - $49,999 | 1.75% | 1.75% |
| $50,000 - $249,999 | 2.00% | 2.00% |
| $250,000 and above | 2.25% | 2.25% |
| RECREATION LOANS | MAX TERM | APR (AS LOW AS) |
|---|---|---|
| New RV/Trailer/Tractor Loans (2025 - 2027) (Cost over $40,000) | 180 Month | 8.74% |
| New RV/Trailer/Tractor Loans (2025 - 2027) (Cost under $40,000) | 144 Month | 8.74% |
| Used RV/Trailer/Tractor Loans (2020 - 2024) | 144 Month | 9.24% |
| Used RV/Trailer/Tractor Loans (2017 - 2019) | 120 Month | 9.74% |
| New Motorcycle/Boat Loans (2025 - 2027) (Cost over $20,000) | 84 Month | 7.74% |
| Used Motorcycle/Boat Loans (2020 - 2024) (Cost under $20,000) | 75 Month | 7.99% |
| Used Motorcycle/Boat Loans (2020 - 2024) | 84 Month | 8.24% |
| Used Motorcycle/Boat Loans (2015 - 2019) | 66 Month | 9.74% |
Interest APR (Annual Percentage Rate) is listed “as low as.” Rates are subject to change without notice. Approval subject to creditworthiness. Rates shown are for illustration and should be confirmed against the current published rate sheet prior to publishing.
| ACCOUNT | RATE | APY | BALANCE REQUIRED | MINIMUM BALANCE TO EARN DIVIDENDS |
| Member Savings | 0.15% | 0.15% | $5 | $300 |
| Special Savings | 0.15% | 0.15% | $0 | $300 |
| Club Accounts | 0.15% | 0.15% | $0 | $300 |
| Uniform Gift to Minor Account | 0.15% | 0.15% | $0 | $300 |
| Certificate Builder | 0.30% | 0.30% | $25 | $25 |
| TERM | MAXIMUM AMOUNT FINANCED | APR | RATE |
|---|---|---|---|
| 20 year - 10 year call | 80% combined loan to value | 7.78%** | 7.63% |
| 10 year - fixed | 90% combined loan to value | 7.386%** | 7.13% |
| 10 year - fixed | 80% combined loan to value | 7.135%** | 6.88% |
** APR based on $50,000 and a Loan Origination Fee of 1%, plus a $50 Doc Prep Fee and $19 Flood Certification Fee. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debt of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC
| OTHER SECURED LOANS | TERM | APR (AS LOW AS) |
|---|---|---|
| Share Secured | 60 Month | 2.00% over Account |
| Certificate Secured | Maturity Date of CD | 2.00% over Certificate Rate |
| TERM | MINIMUM BALANCE | RATE | APY | BONUS RATE4 | EARLY WITHDRAWAL PENALTY |
| 6 Month | $1,000 | 4.426% | 4.50% | 5.00% | 90 Days Interest |
| 12 Month | $500 | 3.21% | 3.25% | 3.75% | 90 Days Interest |
| 24 Month1 | $1,000 | 2.72% | 2.75% | 3.25% | 180 Days Interest |
| 36 Month1 | $1,000 | 2.87% | 2.90% | 3.40% | 180 Days Interest |
| 48 Month2 | $1,000 | 2.97% | 3.00% | 3.50% | 270 Days Interest |
| 60 Month2 | $1,000 | 3.06% | 3.10% | 3.60% | 270 Days Interest |
Quarterly Dividends.
¹Dividend Transfer
²Dividend Transfer and Rising Rate Option Available
For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.
4Share Certificate Rate Bonus Conditions
| TERM | MINIMUM BALANCE | RATE | APY | EARLY WITHDRAWAL PENALTY |
| 6 Month | $1,000 | 1.50% | 1.51% | 90 Days Interest |
| 7 Month | $1,000 | 3.00% | 3.03% | 90 Days Interest |
| 12 Month | $500 | 1.65% | 1.66% | 90 Days Interest |
| 15 Month | $1,000 | 2.00% | 2.02% | 90 Days Interest |
| 24 Month1 | $1,000 | 2.10% | 2.12% | 180 Days Interest |
| 36 Month1 | $1,000 | 2.20% | 2.22% | 180 Days Interest |
| 48 Month2 | $1,000 | 2.30% | 2.32% | 270 Days Interest |
| 60 Month2 | $1,000 | 2.40% | 2.42% | 270 Days Interest |
Quarterly Dividends.
¹Dividend Transfer
²Dividend Transfer and Rising Rate Option Available
For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.
Share Certificate Rate Bonus Conditions
| TERM | MINIMUM BALANCE | RATE | APY | BONUS RATE4 | EARLY WITHDRAWAL PENALTY |
| 6 Month | $1,000 | 3.05% | 3.10% | 3.60% | 90 Days Interest |
| 12 Month | $500 | 3.00% | 3.05% | 3.55% | 90 Days Interest |
| 24 Month1 | $1,000 | 2.72% | 2.75% | 3.25% | 180 Days Interest |
| 36 Month1 | $1,000 | 2.55% | 2.57% | 3.07% | 180 Days Interest |
| 48 Month2 | $1,000 | 2.35% | 2.37% | 2.87% | 270 Days Interest |
| 60 Month2 | $1,000 | 2.57% | 2.60% | 3.10% | 270 Days Interest |
Quarterly Dividends.
¹Dividend Transfer
²Dividend Transfer and Rising Rate Option Available
For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.
4Share Certificate Rate Bonus Conditions
| UNSECURED LOANS | TERM | APR |
|---|---|---|
| Signature Loans | 36 Month | 10.74% |
| Line of Credit | Revolving | 10.74% |