Rates

Better rates is one area where you truly experience the Credit Union difference. As a not-for-profit financial cooperative, Kohler Credit Union returns profits to its members by providing higher deposit rates and lower loan rates. It’s just another way we are do right by our members.

Autos and Motorcycles

Autos, Motorcycles*
2021 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
73 to 84 Months** 6.09% $14.65
2019 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months** 4.49% $29.74
37 to 48 Months** 4.49% $22.80
49 to 60 Months** 4.49% $18.64
61 to 72 Months** 4.99% $16.10
2018 and older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months** 7.34% $31.03
37 to 48 Months** 7.84% $24.34
49 to 60 Months ($20,000 and over)** 8.09% $20.20
61 to 72 Months ($25,000 and over)** 8.34% $17.70

Rates as of November 22, 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 with eStatements. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

**APR=Annual Percentage Rate. Rates, terms and conditions vary based on credit, qualifications, account relationship, collateral and are subject to change. Loans subject to credit approval and some exclusions may apply. APR available November 22, 2024, for a limited time. Requires new money with a minimum loan amount of $5,000, an open Kohler Credit Union Checking account with direct deposit, and eStatements. Cannot be combined with any other offers. Term of 60 months at 4.49% APR results in a payment of $18.64 per $1,000 borrowed. Membership eligibility required. Interest will continue to accumulate during the optional 90 day no payment timeframe. Deferred payments may not exceed 90 days.

Mortgage

Mortgage Rates
Term Rate 3 APR 4 Points 5 PMT 2
30 Year Fixed 6.375% 6.484% 0.00% $6.44
20 Year Fixed 6.000% 6.142% 0.00% $7.17
15 Year Fixed 5.875% 6.054% 0.00% $8.38
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 ARM 1 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 deposit of $599 is collected after the intent to proceed is signed. 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. Non-refundable application deposit of $599 is collected after the intent to proceed is signed. 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 November 22, 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 with eStatements. 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 November 22, 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 with eStatements. Other terms and conditions may apply.
‡ Monthly Payment is based on payment per $1,000 for rate and term.

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 November 22, 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 with eStatements. 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
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 0.35% 0.35% Monthly Yes
Premium Money Market < $10,000.00 † 0.60% 0.60% Monthly Yes
Premium Money Market $10,000.00 0.75% 0.75% Monthly Yes
Premium Money Market $25,000.00 0.90% 0.90% Monthly Yes
Premium Money Market $50,000.00 1.20% 1.21% Monthly Yes
Premium Money Market $100,000.00 1.55% 1.56% Monthly Yes
Premium Money Market $250,000.00 2.20% 2.22% 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

APY is accurate as of November 22, 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.

IRA & IRA Share

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
5 Month New Money † $1000 3.93% 4.00% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 1.75% 1.76% Monthly
1 Year $500 1.75% 1.76% Monthly
2 Year $500 2.00% 2.02% Monthly
3 Year $500 2.05% 2.07% Monthly
4 Year $500 2.10% 2.12% Monthly
5 Year $500 2.20% 2.22% Monthly

APY is accurate as of November 22, 2024 the last dividend declaration date.
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 November 13, 2024, are subject to change, and available for a limited time. 5 month term: to receive the 3.93% rate / 4.00% APY a minimum opening deposit of $1,000 with a $500,000 maximum is required and all funds must be new from outside of Kohler Credit Union to fund the certificate. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 5 month New Money Share Certificate renews automatically to a standard 6 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 is required.

Share Certificates

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
5 Month New Money † $1000 3.93% 4.00% Monthly
3 Month $500 1.25% 1.26% Monthly
6 Month $500 1.75% 1.76% Monthly
1 Year $500 1.75% 1.76% Monthly
2 Year $500 2.00% 2.02% Monthly
3 Year $500 2.05% 2.07% Monthly
4 Year $500 2.10% 2.12% Monthly
5 Year $500 2.20% 2.22% Monthly

APY is accurate as of November 22, 2024 the last dividend declaration date.
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 November 13, 2024, are subject to change, and available for a limited time. 5 month term: to receive the 3.93% rate / 4.00% APY a minimum opening deposit of $1,000 with a $500,000 maximum is required and all funds must be new from outside of Kohler Credit Union to fund the certificate. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 5 month New Money Share Certificate renews automatically to a standard 6 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 is required.