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Savings Rates

Savings Accounts
Effective Date: Monday, September 26th, 2022
Account TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
Savings $5 0.050% 0.050% Monthly/Monthly
Miscellaneous Savings $1 0.050% 0.050% Monthly/Monthly
Super Saver Account $25,000 - $49,999 0.275% 0.275% Quarterly/Quarterly
Super Saver Account $50,000 & Over 0.375% 0.280% to 0.360% Quarterly/Quarterly
Christmas Club $1 0.050% 0.050% Monthly/Monthly
IRA Share $1 & Over 0.050% 0.050% Monthly/Monthly
IRA Super Saver $25,000 - $49,999 0.275% 0.275% Quarterly/Quarterly
IRA Super Saver $50,000 & Over 0.375% 0.280% to 0.360% Quarterly/Quarterly
Money Market $1,000 - $9,999 0.200% 0.200% Daily/Monthly
Money Market $10,000 & Over 0.250% 0.250% Daily/Monthly
Super Saver Account is a Split Tier and each Tier will receive the dividend that applies.
*APY=Annual Percentage Yield. Fees may reduce earnings.

Kasasa

Kasasa Savings/Checking Accounts (Consumer)
Effective Date: Monday, September 26th, 2022
Account TypeMinimum Balance to Earn APYDividend RateAnnual Percentage Yield (APY)Compounded/Paid
Kasasa Cash® Checking
(if qualifications are met)1, 2
$0.00-15,000 2.47% 2.50% Monthly/Monthly
Kasasa Cash® Checking
(if qualifications are met)1, 2
$15,000.00 or greater 0.399% 0.40% to 0.67%3 Monthly/Monthly
Kasasa Cash® Checking
(if qualifications are NOT met) 1
$0.00 0.05% 0.05% Monthly/Monthly
Kasasa Saver®
(if qualifications are met)1, 2
$0.00 - $50,000.00 1.48% 1.50% Monthly/Monthly
Kasasa Saver®
(if qualifications are met) 1
$50,000.00 or greater 0.399% 0.40% to 0.77%4 Monthly/Monthly

Rate Information: The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the divided rate and frequency of compounding for an annual period.  The dividend rate and annual percentage yield may change at any time as determined by the Credit Union Board of Directors. The Kasasa Saver and Kasasa Cash accounts are tiered rate accounts.

1 To earn APY, the following qualifications must be met and all transactions and activities must post and settle to the Kasasa checking account(s) during each monthly Qualification Cycle: a) At least 12 debit card purchases; b) At least 1 direct deposit or automatic payment (ACH); c) Be enrolled in and agree to receive eStatements.

2 Only the funds that comprise each tier will earn the rate for that tier.

3 The APY range is based on an assumed account balance of $115,000.  The APY decreases as your balance increases.  

4 The APY range is based on an assumed account balance of $150,000.  The APY decreases as your balance increases.

Share Certificate Account
Effective Date: Monday, September 26th, 2022
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
Youth 3 Month** $100 0.100% 0.100% Monthly/Monthly
Youth 6 Month** $100 0.250% 0.250% Monthly/Monthly
Special Youth 12 Month*** $100 4.000% 4.000% At Maturity/At Maturity
Youth 12 Month** $100 0.850% 0.850% Quarterly/Quarterly
3 Month $1,000 0.100% 0.100% Monthly/Monthly
6 Month $1,000 0.250% 0.250% Monthly/Monthly
12 Month $1,000 0.850% 0.850% Quarterly/Quarterly
18 Month $1,000 0.900% 0.900% Quarterly/Quarterly
24 Month $1,000 1.000% 1.000% Quarterly/Quarterly
30 Month $1,000 1.100% 1.100% Quarterly/Quarterly
36 Month $1,000 1.150% 1.150% Quarterly/Quarterly
39 Month Bump Up $1,000 1.250% 1.260% Quarterly/Quarterly
48 Month $1,000 1.300% 1.310% Quarterly/Quarterly
60 Month $1,000 1.400% 1.410% Quarterly/Quarterly
*APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.
**Subsequent deposits are allowed on Youth Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions.
***Maximum of one(1) Youth Share Certificate may be purchased per Youth Account during the promotional period August 25 - October 6, 2022. Primary account owner must be age 0-18 years. Minimum deposit of $100 is required to open the account. Maximum Share Certificate balance is $3,000. Additional deposits may be made to the Share Certificate during the 12-month term, not to exceed the maximum balance of $3,000. At the time of maturity the funds will be deposited into the Youth Account. A penalty will be imposed for early withdrawal. Rates to not apply to ESA or IRA Share Certificates. Other rates and terms available.

Traditional and Roth IRA Share Certificates
Effective Date: Monday, September 26th, 2022
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $1,000 0.100% 0.100% Monthly / Monthly
6 Month $1,000 0.250% 0.250% Monthly / Monthly
12 Month $1,000 0.850% 0.850% Quarterly/Quarterly
18 Month $1,000 0.900% 0.900% Quarterly/Quarterly
24 Month $1,000 1.000% 1.000% Quarterly/Quarterly
30 Month $1,000 1.100% 1.100% Quarterly/Quarterly
36 Month $1,000 1.150% 1.150% Quarterly/Quarterly
48 Month $1,000 1.300% 1.310% Quarterly/Quarterly
60 Month $1,000 1.400% 1.410% Quarterly/Quarterly
*APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Coverdell ESA Share Certificates
Effective Date: Monday, September 26th, 2022
Share Certificate TypeMinimum Balance to Receive DividendDividend RateAnnual Percentage Yield (APY)*Compounded/Paid
3 Month $500 0.100% 0.100% Monthly / Monthly
6 Month $500 0.250% 0.250% Monthly / Monthly
12 Month $500 0.850% 0.850% Quarterly/Quarterly
18 Month $500 0.900% 0.900% Quarterly/Quarterly
24 Month $500 1.000% 1.000% Quarterly/Quarterly
30 Month $500 1.100% 1.100% Quarterly/Quarterly
36 Month $500 1.150% 1.150% Quarterly/Quarterly
48 Month $500 1.300% 1.310% Quarterly/Quarterly
60 Month $500 1.400% 1.410% Quarterly/Quarterly
*APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.

Loan Rates

New Auto Loan Rates
Effective Date: Monday, September 26th, 2022
Loan Term \ DetailsYear of VehicleAPR* as low as
Up to 36 Months 2020 - 2022 2.99%
37 to 60 Months 2020 - 2022 2.99%
61 to 72 months 2020 - 2022 3.49%
73 to 84 Months
(Minimum $10,000 Loan)
2020 - 2022 4.99%
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply.

To view Payment Examples please select the hyperlinks on each loan rate.

Used Auto Loan Rates
Effective Date: Monday, September 26th, 2022
Loan Term \ DetailsYear of VehicleAPR* as low as
Up to 36 months 2013 & Older 2.99%
37 to 48 Months 2013 & Newer 2.99%
Up to 60 Months 2015 & Newer 2.99%
61 to 66 Months 2016 & Newer 3.49%
61 to 72 Months 2017 & Newer 3.49%
73 to 84 months 2019 & Newer 4.99%
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply.

To view Payment Examples please select the hyperlinks on each loan rate.

Mortgage Rates
Effective Date: Monday, September 26th, 2022
DescriptionLoan Term \ DetailsAPR*Interest Rate
10 Year Balloon 20% Down Payment
Payments amortized 360 months
5.267% 4.75%
10 Year Balloon 5% Down Payment
Payments amortized 360 months
5.279% 4.75%
15-Year Fixed
20-Year Fixed
30-Year Fixed
Contact Jolt for Details    
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply.

To view Payment Examples please select the hyperlinks on each loan rate.

2nd Mortgage Rates - 90% Lending
Effective Date: Monday, September 26th, 2022
DescriptionLoan Term \ DetailsAPR* as low asInterest Rate
Home Equity Line of Credit 60 Months 4.75%  
Fixed 2nd Mortgage 120 Months 6.25%  
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply.

To view Payment Examples please select the hyperlinks on each loan rate.

Miscellaneous Loans
Effective Date: Monday, September 26th, 2022
DescriptionLoan Term \ DetailsAPR* as low as
Home Improvement Loan 61 to 72 months 6.99%
Signature Loan/Home Improvement Up to 60 Months 5.99%
Small RV's Up to 60 Months 4.50%
Large RV's 60 Months 4.50%
RV's 61 to 120 Months FIXED 4.75%
Large RV's 121 to 180 Months Fixed 5.65%
Motorcycles, ATV's, Jet Ski's Up to 60 Months 4.50%
New & Used Boat Loans Up to 60 Months 4.50%
Share-Secure Loan Up to 12 Months 3.050%
Share-Secure Loan Up to 36 Months 4.050%
Technology Loan
(Maximum $2,500 Loan)
Up to 24 Months 5.25%
Platinum VISA Credit Card   9.90%
*APR=Annual Percentage Rate. Rates listed represent our best rates. Rates, terms and conditions vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval and rates are subject to change without notice. Other conditions may apply. Signature Loans cannot be used to pay off loans currently held at Jolt Credit Union.

To view Payment Examples please select the hyperlinks on each loan rate.

 

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