Current Rates

Rates Effective as of April 14th, 2025.

Checking & Savings

Primary Share (Savings) Account

Minimum Balance Dividend Rate APY*

$5.00

 0.10% 0.10%

Youth Savers**

    
$5.00 - $5,000 0.25% 0.25%
$5,000.01 or more 0.10% 0.10%

*APY (Annual Percentage Yield). Share Account Dividends are declared each calendar quarter. Share Account Dividends are current as of the first Quarter 2025. Savings Accounts include Primary, Second Share, and Third Share.

**Youth Savers Account eligible for individuals under 18. Parent or Legal Guardian must be named as joint owner (child as primary). A minimum $5 balacne required to open an account. Membership and other qualifications apply. 0.25% APY applies to Youth Savers Accounts up to a $5,000 balance, balances above $5,000 will receive the current regular savings rate. 

Checking Accounts

Minimum Balance Dividend Rate APY*

Basic Checking

    
Less than $500 0.05% 0.05%

$500 or more

 0.05% 0.05%

Checking Plus

    
Less than $500 0.05% 0.05%

$500 or more

 0.05% 0.05%

Teen Checking1

    
Less than $500 0.05% 0.05%

$500 or more

 0.05% 0.05%

HSA (Health Savings Account)

    
Min. Balance $3,000 1.00% 1.004%
Min Balance  $5,000 1.25% 1.257%
Min Balance $10,000 1.50% 1.510%
No Overdraft Checking 0.00% 0.00%

1Teen Checking is designed to help teens establish healthy savings and spending habits by opting out of Courtesy Pay, Overdraft Protection, and Regulation E. Must be 13-17 years old to qualify for the Teen Checking Account. Membership and other qualifications apply. Parent or Legal Guardian must be named as joint owner (teen as primary).

Money Market Accounts

Minimum Balance Dividend Rate APY*
$2,500 - $9,999  0.12% 0.12%
$10,000 - $24,000 0.12% 0.12%
$25,000 - $49,000 0.20% 0.20%
$50,000 - $99,999 0.30% 0.30%
$100,000 or more 0.50% 0.50%

Money Market Rates change each month. 

Christmas Club Account

Minimum Balance Dividend Rate APY*
$5.00 0.10% 0.10%

Dividends for Christmas Club Accounts are paid monthly. Christmas Club funds are deposited into your Checking Account each November 1st.

Certificates

Promo Certificate

Term Minimum Rate APY*
9-month Certificate $250 4.16% 4.25%
9-month Jumbo Certificate $100,000 4.16% 4.25%
9-month Super Jumbo Certificate $250,000 4.16% 4.25%
       
17-month Certificate $250 3.93% 4.00%
17-month Jumbo Certificate $100,000 3.97% 4.05%
17-month Super Jumbo Certificate $250,000 4.02% 4.10%

*APY (Annual Percentage Yield). The APY is based on the assumption that dividends will remain in the account until maturity. Dividends are compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. For a 9-month term certificate, the penalty rate will be 60 days’ dividends. For a 17-month term certificate, the penalty rate will be 120 days' dividends. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, 9-month promotional term certificate will automatically roll over into a standard 12-month term certificate unless changes are made within a 10-day grace period. Upon Maturity, 17-month promotional term certificate will automatically roll over into an 18-month term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. Limited time offer.

Certificates

Term Minimum Rate APY*
91 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
9 Months $250 4.16% 4.25%
1 year $250 0.90% 0.90%
17 Months $250 3.93% 4.00%
18 Months $250 0.99% 0.99%
2 Years $250 1.00% 1.00%
30 Months $250 1.19% 1.19%
3 Years $250 1.29% 1.30%
4 Years $250 1.34% 1.35%
5 Years $250 1.49% 1.50%

*APY (Annual Percentage Yield). The APY is based on the assumption that dividends will remain in the account until maturity. Dividends are compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. Limited time offer.

Jumbo Certificates

Term Minimum Rate APY*
91 Day $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
9 Months $100,000 4.16% 4.25%
1 Year $100,000 1.00% 1.00%
17 Months $100,000 3.97% 4.05%
18 Months $100,000 1.09% 1.09%
2 Years $100,000 1.10% 1.10%
30 Months $100,000 1.29% 1.29%
3 Years $100,000 1.39% 1.40%
4 Years $100,000 1.44% 1.45%
5 Years $100,000 1.59% 1.60%

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change.  Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. 

Super-Jumbo Certificates

Term Minimum Rate APY*
91 Day $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
9 Months $250,000 4.16% 4.25%
1 Year $250,000 1.10% 1.10%
17 Months $250,000 4.02% 4.10%
18 Months $250,000 1.19% 1.19%
2 Years $250,000 1.20% 1.20%
30 Months $250,000 1.38% 1.39%
3 Years $250,000 1.49% 1.50%
4 Years $250,000 1.54% 1.55%
5 Years $250,000 1.69% 1.70%

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. 

 

Loans

Auto Loans (Cars, Trucks & Vans)

New: 2023 Models & Newer   Used: 2019 - 2022 Models
Term APR   Term APR
Up to 60 months Starting at 4.74%   Up to 60 months Starting at 5.43%
61-72 months Starting at 5.59%   61-72 months Starting at 6.09%
73-84 months Starting at 6.69%   73-84 months Starting at 7.14%

For models 2018 and older contact KCT for rates.

Motorcycles

New: 2023 Models & Newer Used: 2019 - 2022 Models
Term APR   Term APR
Up to 60 months Starting at 8.90%   Up to 60 months Starting at 9.40%
61-72 months Starting at 9.90%   61-72 months Starting at 10.40%
73-84 months Starting at 10.90%   73-84 months Starting at 11.40%

For models 2018 and older, contact KCT for rates.

Boat, Recreational Vehicle (RV) and Campers

New: 2023 Models & Newer Used: 2019 - 2022 Models
Term APR Term APR
60 months Starting at 8.15% 60 months Starting at 9.40%
120 months1 Starting at 9.15% 120 months1 Starting at 10.40%
180 months2 Starting at 10.15% 180 months2 Starting at 11.40%

1The 120 month term requires a minimum of $20,000 financed for new and used. Maximum finance amount $60,000 for new and used.
2The 180 month term requires a minimum of $61,000 financed for new and used.
120 and 180 month terms available only for Boat, RV, and Camper loans. For models 2018 and older contact KCT for rates.

Secured Loans (other)

2018 Models and Older
Term APR
36 months Starting at 8.45%
48 months Starting at 8.95%
60 months Starting at 9.45%
72 months Starting at 9.95%
84 months Starting at 10.45%

 

Unsecured (Personal) Loans

Whatever Loan Term APR
  Up to 36 months 11.99%
  37-60 months 13.99%
  61-84 months 15.99%

The final rate you receive will be based upon your credit history. Rates are subject to change. APR=Annual Percentage Rate.

Home Equity Products

Fixed Rate: 85% Loan to Value - First Lien Position* Fixed Rate: 85% Loan to Value - Second Lien Position*
Term APR Term APR
Up to 60 months Starting at 7.25% Up to 60 months Starting at 7.50%
61-84 months Starting at 7.75% 61-84 months Starting at 8.00%
85-120 months Starting at 8.00% 85-120 months Starting at 8.50%
121-180 months Starting at 9.00% 121-180 months Starting at 9.50%

*10,000 Minimum for loan amount. 

Variable Lines of Credit: 85% Loan-to-Value
Lien Position APR Calculation
First Position Starting at 7.25% Prime Rate minus 0.25%
Second Position Starting at 7.50% Prime Rate

The Annual Percentage Rate for KCT’s Home Equity Variable Lines of Credit may change quarterly on January 1st, April 1st, July 1st, and October 1st based upon the Prime Rate as reported by the Wall Street Journal, currently 7.50%. The floor for KCT’s Home Equity Variable Lines of Credit is 4.00% APR, with a ceiling of 18.00% APR.

Student Choice Refinancing

Term APR
5 Year Starting at 4.99%
10 year Starting at 5.99%
15 year Starting at 6.74%

Variable rate loans available based on Prime Rate and spread. Contact KCT for rates. 

 

Mortgage Rates Available Upon Request. 

 

The final rate you receive will be based upon your credit history. Rates are subject to change. APR=Annual Percentage Rate.

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Become a Member

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Membership in KCT Credit Union is open to anyone who lives or works within the following counties: Dekalb, DuPage, Grundy, Kane, Kendall, McHenry, and Cook County west of Route 83.