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Rates



Balance Dividend Rate APY
Balance up to $20,000 3.20% 3.25%
Balances over $20,000 0.10% 3.25% - 0.63%
All balances if qualifications aren't met 0.02% 0.02%
Minimum opening deposit: $25

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle**:
  • Have at least 12 check card purchases post and settle*
  • Have at least 1 bill pay transaction OR 1 automatic credit* or payment (ACH) post and settle
  • Be enrolled and receive e-statement notice.
Balance Dividend Rate APY
Balances up to $40,000 1.98% 2.00%
Balances over $40,000 0.10% 2.00% - 0.64%
All balances if qualifications aren't met 0.02% 0.02%
Minimum Opening Deposit: $25
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle**:
  • Have at least 12 check card purchases post and settle*
  • Have at least 1 bill pay transaction OR 1 automatic credit* or payment (ACH) post and settle
  • Be enrolled and receive e-statement notice
Product Term APR
Personal Loans 1 year 4.00% - 16.00%^

2 Year 4.50% - 16.00%^

3 Year 5.00% - 16.00%^

4 Year 5.50% - 16.50%^

5 Year 6.00% - 17.00%^

6 Year 6.50% - 17.50%^

7 Year 7.00% - 17.99%
PV Loans 5 Year 4.00%-9.00%

7 Year 5.00%-10.00%

10 Year 6.00%-11.00%

15 Year 7.00%-12.00%
Line of Credit N/A 7.00% - 17.50%
Visa Signature Credit Card N/A 14.50%-18.00%
Visa Platinum Credit Card N/A
9.99%
Visa Credit Card N/A
11.99%
Share Secured Visa Credit Card N/A
7.00%

 

Rates range from 4.00% - 18.00% APR and are based on your credit history. Certain terms and conditions apply.

^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Product Term APR
100% Share Secure 5 year 3.25%-6.25%
100% Share Secure 7 year 3.75%-6.25%
100% Share Secure 10 year 4.25%-6.25%



50% Share Secure 7 year
7.00%
25% Share Secure 7 year
8.00%
105 Share Secure 7 year
8.50%

Rates range from 3.25% - 18.00% APR and are based on your credit history. Certain terms and conditions apply.

^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Product Term APR
New - 100% Financing 5 Years 6.00% - 16.00%^

6 Years 6.50% - 17.00%^

7 Years 7.00% - 17.99%^
Used - 100% Financing (Wholesale Kelly Blue Book Value) 5 Years 6.75% - 17.99%^

6 Years* 7.25% - 17.99%^

7 Years** 7.75% - 17.99%^

Rates range from 6.00% - 17.99% APR and are based on your credit history. Certain terms and conditions apply.

^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Product Term APR
Mortgages and Home Equity Lines of Credit Please call (808) 245-6791

Account Name Min. Balance to Earn Dividends APY Min. Opening Deposit
Share Savings $100 0.10% $5
Business Savings $100 0.10% $100
Sub Shares $100 0.10% $5
Multiple Signature Shares $100 0.10% $5
Christmas Club $.01 0.10% $5
Share Draft Checking $.01 0.05% $25
Business Checking $10,000 0.05% $1,000
IRA Shares $100 0.10% $25
Roth IRA Shares $100 0.10% $25
Roth Conversion IRA Shares $100 0.10% $25
Coverdell ESA Shares $100 0.10% $25
CUMMSA
(Credit Union Money Market Share Account)
$2,000 or more 0.25% $5
CUMMSA
(Credit Union Money Market Share Account)
Less than $2,000 0.05%
Premier CUMMSA
(Credit Union Money Market Share Account)
$25,000 0.50% $25,000
Signature CUMMSA
(Credit Union Money Market Share Account)
$100,000 1.50% $100,000

This rate schedule states rates applicable to specified accounts. For CUMMSA, dividends are credited to your account and compounded monthly. For all other share accounts, dividends are credited to your account and compounded every quarter. Fees or other conditions could reduce the earnings on the account. This schedule is incorporated as a part of your account agreement with Gather FCU. Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable; this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
Term Min. Balance APY Min. Opening Deposit
3-Month Share Certificate $1,000 0.50% $1,000
6-Month Share Certificate $1,000 0.75% $1,000
1-Year Share Certificate $1,000 1.25% $1,000
1 - 1/2 Year Share Certificate $1,000 1.50% $1,000
2 - Year Share Certificate $1,000 1.75% $1,000
3 - Year Share Certificate $1,000 2.00% $1,000
1 - Year IRA Share Certificate $500 2.25% $500
1 - Year Roth IRA Share Certificate $500 2.25%
$500
1 - Year Roth Conversion IRA Share Certificate $500 2.25% $500
1 - Year Coverdell ESA Share Certificate $500 2.25%
$500

The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Dividends for the Sure Account, IRA, Roth and Coverdell ESA Share Certificate Accounts are credited and compounded quarterly. For the 3-Month Share Certificate, dividends are credited upon maturity and transferred to a designated share account or a check mailed to member. For all other Share Certificate Accounts, dividends are credited monthly and transferred to a designated share account or a check mailed to member. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (808) 245-6791.




APY = Annual Percentage Yield
Rates effective as of 10/20/2022
Fees may reduce earnings.

*Effective 06/30/2023
**"Monthly Qualification Cycle” means a period beginning the last day of each month through the 2nd to the last day of the next month
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