Current Rates

Rates Effective as of January 2nd, 2026.

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 second 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 balance 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*
7-Month Certificate $250 3.88% 3.95%
7-Month Jumbo Certificate $100,000 3.93% 4.00%
7-Month Super Jumbo Certificate $250,000 3.98% 4.05%
       
13-Month Certificate $250 3.73% 3.80%
13-Month Jumbo Certificate $100,000 3.78% 3.85%
13-Month Super Jumbo Certificate $250,000 3.83% 3.90%
       
20-Month Certificate $250 3.45% 3.50%
20-Month Jumbo Certificate $100,000 3.49% 3.55%
20-Month Super Jumbo Certificate $250,000 3.54% 3.60%

*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 7-month term certificate, the penalty rate will be 60 days’ dividends. For a 13-month term certificate, the penalty rate will be 120 days' dividends. For a 20-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, 7-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, 13-month promotional term certificate will automatically roll over into an 12-month term certificate unless changes are made within a 10-day grace period. Upon Maturity, 20-month promotional term certificate will automatically roll over into a 24-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%
7 Months $250 3.88% 3.95%
1 Year $250 0.90% 0.90%
13 Months $250 3.73% 3.80%
18 Months $250 0.99% 0.99%
20 Months $250 3.45% 3.50%
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 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
7 Months $100,000 3.93% 4.00%
1 Year $100,000 1.00% 1.00%
13 Months $100,000 3.78% 3.85%
18 Months $100,000 1.09% 1.09%
20 Months $100,000 3.49% 3.55%
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 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
7 Months $250,000 3.98% 4.05%
1 Year $250,000 1.10% 1.10%
13 Months $250,000 3.83% 3.90%
18 Months $250,000 1.19% 1.19%
20 Months $250,000 3.54% 3.60%
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: 2024 Models & Newer   Used: 2020-2023 Models       Used: 2019 & Older                
Term APR   Term APR   Term APR
Up to 60 months Starting at 4.74%   Up to 60 months Starting at 5.43%   Up to 60 months Starting at 9.43%
61-72 months Starting at 5.59%   61-72 months Starting at 6.09%   61-72 months Starting at 10.09%
73-84 months Starting at 6.69%   73-84 months Starting at 7.14%   73-84 months Starting at 11.14%

 

Powersports (Mortgage, Jet Skis, Snowmobiles & ATV)

New: 2024 Models & Newer   Used: 2020-2023 Models       Used: 2019 & Older              
Term APR   Term APR   Term APR
Up to 60 months Starting at 8.90%   Up to 60 months Starting at 9.20%   Up to 60 months Starting at 10.70%
61-72 months Starting at 9.90%   61-72 months Starting at 10.20%   61-72 months Starting at 11.70%
73-84 months Starting at 10.90%   73-84 months Starting at 11.20%   73-84 months Starting at 12.70%

 

Boat, Recreational Vehicle (RV) and Campers

New: 2024 Models & Newer   Used: 2020-2023 Models          Used: 2019 & Older                
Term APR   Term APR   Term APR
60 months Starting at 8.15%   60 months Starting at 9.20%   60 months Starting at 10.70%
120 months1 Starting at 9.15%   120 months1 Starting at 10.20%   120 months1 Starting at 11.70%
180 months2 Starting 10.15%   180 months2 Starting at 11.20%   180 months2 Starting at 12.70%

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

Unsecured (Personal) Loans

Whatever Loan Term APR
  Up to 36 months 9.24%
  37-60 months 11.24%
  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

Home Equity Fixed Rate Loan:  
Loan to Value (LTV) 5 Year Term (APR*) 10 Year Term (APR*) 15 Year Term (APR*) 20 Year Term (APR*)
80% LTV 7% 7.5% 7.75% 8%

*APR = Annual Percentage Rate. Rates listed above are "as low as". Rate is based on credit worthiness and loan-to-value. Not all applicants may qualify for the fixed base rate. VISA, variable, overdraft protection, real estate, share secure and existing KCT loans are excluded from any rate deductions.

Home Equity Line of Credit (HELOC)
     80% CLTV (Combined Loan to Value)
     Prime - 0.50% APR*

*APR = Annual Percentage Rate. Rates listed above are "as low as". Rate is based on credit worthiness and combined loan-to-value and will vary quarterly based on the prime rate (as published in the Wall Street Journal) plus or minus a margin, or 4.0% APR, whichever is higher, with a maximum APR not to exceed 21%. Rates and promotional terms subject to change and may be discontinued without notice. HELOC's have a minimum rate of 4.00%. The annual percentage rate may vary after the account is opened. Interest Only Payments Allowed.

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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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.