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Current Rates

As a not-for-profit financial cooperative, Kohler Credit Union returns profits to its members by providing higher deposit rates and lower loan rates. We work diligently to provide the most-desired financial products and services in an economical manner.

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Mortgage Rates

View daily rates.

*Rate based on minimum loan amount of $180,000 for a home purchase. APR equals annual percentage rate.

 

Autos and Motorcycles

Autos, Motorcycles*    
2020 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
73 to 84 Months 6.34% $14.78
2018 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 5.09% $30.01
37 to 48 Months 5.34% $23.19
49 to 60 Months 5.34% $19.03
61 to 72 Months 5.59% $16.38
2017 and older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 7.59% $31.15
37 to 48 Months 7.84% $24.34
49 to 60 Months ($20,000 and over) 8.09% $20.32
61 to 72 Months($25,000 and over) 8.34% $17.70

Rates as of January 2, 2023.
* 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, 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.

 

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

ATV's, Snowmobiles, Trailers, Scooters, Mopeds, Etc.*    
2018 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 5.84% $30.35
37 to 48 Months 6.09% $23.53
49 to 60 Months 6.34% $19.49
61 to 72 months ($15,000 and over) 6.59% $16.86
2015 - 2017    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 9.59% $32.07
37 to 48 Months 10.09% $25.41
2014 and Older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 36 Months 11.09% $32.78

Rates as of January 2, 2023.
* 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, 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.

 

RV's and Boats

RV's, Boats*    
2020 and Newer    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 84 Months (Under $25,000) 7.34% $15.26
Up to 120 Months ( $25,000 minimum) 7.34% $11.79
Up to 144 Months ($35,000 minimum) 7.34% $10.47
Up to 180 Months ($50,000 minimum) 7.34% $9.19
Up to 240 Months ($100,000 minimum) 7.84% $8.27
2016-2019    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 84 Months (Under $25,000) 7.59% $15.38
Up to 120 Months ($25,000 minimum) 7.59% $11.92
Up to 144 months ( $35,000 minimum) 7.59% $10.61
2015 and older    
MAXIMUM TERM APR RATE AS LOW AS † MONTHLY PAYMENT ‡
Up to 60 Months (Under $10,000) 9.59% $21.05
Up to 84 Months ($10,000 and over) 9.59% $16.39

Rates as of January 2, 2023.
* 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, 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 Loans

PERSONAL LOANS    
MAXIMUM TERM APR RATE AS LOW AS * MONTHLY PAYMENT †
Up to 36M ($3,000.01 or over) 10.34% $32.43

Rates as of January 2, 2023.
* 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
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 0.15% 0.15% Monthly Yes
Fair Share (Money Market Account) $2500.00 0.15% 0.15% Monthly Yes
Premium Money Market < $10,000.00 † 0.15% 0.15% Monthly Yes
Premium Money Market $10,000.00 0.25% 0.25% Monthly Yes
Premium Money Market $25,000.00 0.45% 0.45% Monthly Yes
Premium Money Market $50,000.00 0.60% 0.60% Monthly Yes
Premium Money Market $100,000.00 0.65% 0.65% 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 0.11% 0.11% Monthly Yes

APY is accurate as of January 2, 2023 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
7 Month † $1,000 3.15% 3.20% Monthly
IRA Share Incremental Deposit IRA 0.10% 0.10% Monthly
6 Month $500 0.75% 0.75% Monthly
1 Year $500 - $9,999.99 1.30% 1.31% Monthly
1 Year $10,000 - $24,999.99 1.35% 1.36% Monthly
1 Year $25,000 & Over 1.40% 1.41% Monthly
2 Year $500 - $9,999.99 1.85% 1.87% Monthly
2 Year $10,000 - $24,999.99 1.90% 1.92% Monthly
2 Year $25,000 & Over 1.95% 1.97% Monthly
3 Year $500 - $9,999.99 1.90% 1.92% Monthly
3 Year $10,000 - $24,999.99 1.95% 1.97% Monthly
3 Year $25,000 & Over 2.00% 2.02% Monthly
4 Year $500 - $9,999.99 1.95% 1.97% Monthly
4 Year $10,000 - $24,999.99 2.00% 2.02% Monthly
4 Year $25,000 & Over 2.05% 2.07% Monthly
5 Year $500 - $9,999.99 2.00% 2.02% Monthly
5 Year $10,000 - $24,999.99 2.05% 2.07% Monthly
5 Year $25,000 & Over 2.10% 2.12% Monthly

APY is accurate as of January 2, 2023 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. Minimum of $1,000 to open and entire certificate must be funded by new money to Kohler Credit Union. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of November 15, 2022, are subject to change, and available for a limited time. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Certificate renews automatically to a standard 6 month certificate at the rate in effect at the time of renewal. Some restrictions and exclusions apply. Federally insured by the NCUA. Membership eligibility and membership is required.

 

Share Certificates

DEPOSIT TYPE MINIMUM BALANCE** DIVIDEND RATE APY* DIVIDEND PERIOD
7 Month † $1,000 3.15% 3.20% Monthly
3 Month $500 0.40% 0.40% Monthly
6 Month $500 0.75% 0.75% Monthly
1 Year $500-$9,999.99 1.30% 1.31% Monthly
1 Year $10,000-$24,999.99 1.35% 1.36% Monthly
1 Year $25,000 & Over 1.40% 1.41% Monthly
2 Year $500-$9,999.99 1.85% 1.87% Monthly
2 Year $10,000-$24,999.99 1.90% 1.92% Monthly
2 Year $25,000 & Over 1.95% 1.97% Monthly
3 Year $500-$9,999.99 1.90% 1.92% Monthly
3 Year $10,000-$24,999.99 1.95% 1.97% Monthly
3 Year $25,000 & Over 2.00% 2.02% Monthly
4 Year $500-$9,999.99 1.95% 1.97% Monthly
4 Year $10,000-$24,999.99 2.00% 2.02% Monthly
4 Year $25,000 & Over 2.05% 2.07% Monthly
5 Year $500-$9,999.99 2.00% 2.02% Monthly
5 Year $10,000-$24,999.99 2.05% 2.07% Monthly
5 Year $25,000 & Over 2.10% 2.12% Monthly

Rates as of January 2, 2023.
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. Minimum of $1,000 to open and entire certificate must be funded by new money to Kohler Credit Union. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of November 15, 2022, are subject to change, and available for a limited time. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Certificate renews automatically to a standard 6 month certificate at the rate in effect at the time of renewal. Some restrictions and exclusions apply. Federally insured by the NCUA. Membership eligibility and membership is required.