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Source: https://www.kfcu.org/rates
Read: 2026-10-22T16:23:06.000Z

Keesler Federal Credit Union Rates | Loan, Savings, and Certificate Rates Skip to content
Account Type | Minimum Balance | Dividend Rate | APY
Checking Plus Qualified 4 | $25 3 | X | X
Balances up to and including $25,000 | X | 4.89% | 5.00% 1
Balances greater than $25,000 (blended rate) | X | 0.50% | 1.38% to 5.00% 1, 5
Checking Pays | $25 3 | 0.05% | 0.05% 1
Checking Plus Non-Qualified | $25 3 | X | X
Free4All Checking 2 | $25 3 | X | X
Account Type | Minimum Balance | Dividend Rate | APY
Checking Saver Qualified - Balances up to $150,000 | X | 0.99% 1 | 1.00% 2
Checking Saver Qualified - Balances over $150,000 | X | 0.40% 1 | 1.00% to 0.76% 2, 4
Checking Saver Non-Qualified | X | 0.05% 1 | 0.05% 2
Primary Share Savings | $1 Less than $5,000 More than $5,000 | 0.15 to 0.20% 1
Alternate Share Savings | $0 Less than $5,000 More than $5,000 | 0.15 to 0.20% 1
Christmas Savings | $1 | 0.30% 1 | 0.30% 2
IRA Savings 3 | $0 | 0.65% 1 | 0.65% 2
Primary Share Savings | Alternate Share Savings | Christmas Savings | High Interest Money Market | HIMMA Premier | Checking Saver
Best if you want to: | Take advantage of the basic savings account that comes with your membership. | Personalize your savings account to fit your savings needs. | Save all year so the holiday shopping season won’t take you by surprise. | Earn higher dividends with easy access to your funds. | Earn a maximum dividend over a 6 month period with access to your funds. | Allows you to earn dividends on your rewards.
Minimum Deposit | $1 | $0 | $1 | $2,500 | $0 - New Deposits Only | $0
Dividends | 0.15% to 0.20% or if balance is $5000 or more, paid quarterly. | 0.15% to 0.20% or if balance is $5000 or more, paid quarterly. | 0.30% paid quarterly. | 0.30% to 0.40% based on account balance. Paid monthly. | 3.25% APY or 3.20% interest rate for the first 6 months. | 1.00% APY on balances up to $150,000 when qualifications are met. 0.05% APY on all balances, even if qualifications are not met.
Automatic Transfers | ✔️ | ✔️ | ✔️ | ✔️ Limited to six per month | ✔️ Limited to six per month | ✔️
Federally Insured by NCUA | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️
Balance Tier | Dividend Rate | APY
$2,500.00 - $9,999.99 1 | 0.30% | 0.30% 2
$10,000.00 - $49,999.99 1 | 0.30% | 0.30% 2
$50,000.00 - $99,999.99 1 | 0.35% | 0.35% 2
Balances $100,000.00 and above 1 | 0.40% | 0.40% 2
Balance Tier | Dividend Rate | APY
$0 | 3.20% | 3.25% 1
²Rate available on new deposits only. Account can be opened online, by phone or in branch. Dividend paid at rate of 3.25% APY or 3.20% dividend rate. At the end of six months, the HIMMA Premier balance can be rolled into one of the following options: a regular HIMMA account, a share or checking account, or a certificate. Limit 6 pre-authorized withdrawals per month. Rates and terms subject to change at any time.
Account Type | Term | Minimum Balance | Dividend Rate | APY
Share & IRA Certificate Accounts | 6 Month | $1,000.00 | 0.35% 1 | 0.35% 2
Share & IRA Certificate Accounts | 1 Year | $100.00 | 2.97% 1 | 3.00% 2
Share & IRA Certificate Accounts | 1 Year FirstStep 3 | $25.00 | 1.05% 1 | 1.05% 2
Share & IRA Certificate Accounts | 18 Month | $1,000.00 | 3.21% 1 | 3.25% 2
Share & IRA Certificate Accounts | 2 Year | $1,000.00 | 0.85% 1 | 0.85% 2
Share & IRA Certificate Accounts | 3 Year | $1,000.00 | 0.80% 1 | 0.80% 2
Share & IRA Certificate Accounts | 4 Year | $1,000.00 | 1.10% 1 | 1.10% 2
Share & IRA Certificate Accounts | 5 Year | $1,000.00 | 1.34% 1 | 1.35% 2
Account Type | Term | Minimum Balance | Dividend Rate | APY
Jumbo Share & IRA Certificates | 6 Month | $100,000.00 | 0.45% 1 | 0.45% 2
Jumbo Share & IRA Certificates | 1 Year | $100,000.00 | 2.97% 1 | 3.00% 2
Jumbo Share & IRA Certificates | 18 Month | $100,000.00 | 3.21% 1 | 3.25% 2
Jumbo Share & IRA Certificates | 2 Year | $100,000.00 | 0.95% 1 | 0.95% 2
Jumbo Share & IRA Certificates | 3 Year | $100,000.00 | 0.90% 1 | 0.90% 2
Jumbo Share & IRA Certificates | 4 Year | $100,000.00 | 1.19% 1 | 1.20% 2
Jumbo Share & IRA Certificates | 5 Year | $100,000.00 | 1.44% 1 | 1.45% 2
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Auto | 36 mo. | 4.39% 1 | $29.76
Used Auto (2-6 years old) | 36 mo. | 4.89% 1 | $29.98
Older Auto (7-9 years old) | 36 mo. | 5.39% 1 | $30.22
Older Auto (10-24 years old) | 36 mo. | 10.39% 1 | $32.59
Classic Auto (25 years and older) | 36 mo. | 6.89% 1 | $30.92
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Auto Loans | Up to 36 mo. | 4.39% | $29.76
New Auto Loans | Up to 48 mo. | 5.14% | $23.15
New Auto Loans | Up to 60 mo. | 5.64% | $19.21
New Auto Loans | Up to 72 mo. | 6.14% | $16.69
New Auto Loans | Up to 84 mo. | 6.64% | $14.96
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
Used Auto Loans | Up to 36 mo. | 4.89% | $29.98
Used Auto Loans | Up to 48 mo. | 5.64% | $23.38
Used Auto Loans | Up to 60 mo. | 6.14% | $19.46
Used Auto Loans | Up to 72 mo. | 6.64% | $16.93
Used Auto Loans | Up to 84 mo. | 7.14% | $15.22
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
Classic Auto Loans | Up to 36 mo. | 6.89% | $30.92
Classic Auto Loans | Up to 48 mo. | 7.64% | $24.32
Classic Auto Loans | Up to 60 mo. | 8.14% | $20.41
Classic Auto Loans | Up to 72 mo. | 8.64% | $17.91
Classic Auto Loans | Up to 84 mo. | 9.14% | $16.22
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Motorcycle Loans | Up to 36 mo. | 6.69% | $30.83
New Motorcycle Loans | Up to 48 mo. | 6.99% | $24.02
New Motorcycle Loans | Up to 60 mo. | 7.49% | $20.10
New Motorcycle Loans | Up to 72 mo. | 7.99% | $17.60
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Watercraft Loans | Up to 60 mo. | 6.49% | $19.62
New Watercraft Loans | Up to 72 mo. | 6.99% | $17.10
New Watercraft Loans | Up to 84 mo. | 7.49% | $15.39
New Watercraft Loans | Up to 144 mo. | 8.49% | $10.18
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New RV and Camper Loans | Up to 60 mo. | 6.49% | $19.62
New RV and Camper Loans | Up to 72 mo. | 6.99% | $17.10
New RV and Camper Loans | Up to 84 mo. | 7.49% | $15.39
New RV and Camper Loans | Up to 180 mo. | 8.99% | $10.18
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Outdoor Vehicle Loans | Up to 36 mo. | 6.99% | $30.97
New Outdoor Vehicle Loans | Up to 48 mo. | 7.49% | $24.26
New Outdoor Vehicle Loans | Up to 60 mo. | 7.99% | $20.35
Loan Type | Term | APR as Low As | Est. Monthly Payment per $1,000
New Tractor Loans | Up to 36 mo. | 6.99% | $30.97
New Tractor Loans | Up to 48 mo. | 7.49% | $24.26
New Tractor Loans | Up to 60 mo. | 7.99% | $20.35
Loan Type | APR as Low As | Est. Monthly Payment per $1,000
New Boats (all current year models) | 6.49% 1 | Monthly payments are approximately $19.62 per $1000 borrowed at 6.49% APR for 60 months.
Used Boats (previous year models and older) | 6.99% 1 | Monthly payments are approximately $19.86 per $1000 borrowed at 6.99% APR for 60 months.
New RVs, Campers, and Travel Trailers | 6.49% 1 | Monthly payments are approximately $19.62 per $1000 borrowed at 6.49% APR for 60 months.
Used RVs, Campers, and Travel Trailers | 6.99% 1 | Monthly payments are approximately $19.86 per $1000 borrowed at 6.99% APR for 60 months.
New Motorcycles | 6.69% 1 | Monthly payments are approximately $30.83 per $1000 borrowed at 6.69% APR for 36 months.
Used Motorcycles | 7.19% 1 | Monthly payments are approximately $31.06 per $1000 borrowed at 7.19% APR for 36 months.
Older Motorcycles | 10.19% 1 | Monthly payments are approximately $25.57 per $1000 borrowed at 10.19% APR for 36 months.
New ATV/Golf Cart | 6.99% 1 | Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Older ATV/Golf Cart | 7.49% 1 | Monthly payments are approximately $31.19 per $1000 borrowed at 7.49% APR for 36 months.
New Tractor | 6.99% 1 | Monthly payments are approximately $30.97 per $1000 borrowed at 6.99% APR for 36 months.
Used Tractor | 7.49% 1 | Monthly payments are approximately $31.20 per $1000 borrowed at 7.49% APR for 36 months.
Loan Type | APR as Low As
Home Equity Line of Credit (HELOC) 2 | 7.00%
Prime Rate | 7.00% 4
³Rate can adjust quarterly (January, April, July & October) Annual rate cap is 2% and maximum rate cannot exceed 18%. An Interest Rate Floor will be set for your plan at the time of the loan, which means the loan can never fall below a certain APR%. The Interest Rate Floor for your plan will be set at a range of 2.75% to 7.00% for the life of the plan based on your credit history. Rates based on Prime Rate plus a margin (margin range from 0.00% to 2.00% based on credit history). HELOC’s are variable rate loans. All closings costs paid by Keesler Federal.
Loan Type | APR as Low As | Est. Monthly Payment per $1,000
Signature Loans | 10.49% 1, 2 | Monthly payments are approximately $32.65 per $1000 borrowed at 10.49% APR for 36 months.
Miscellaneous Collateral | 8.99% 1, 2 | Monthly payments are approximately $31.92 per $1000 borrowed at 8.99% APR for 36 months.
Account Type | Term | Rate | Max Loan Amount
Certificate Pledge | Up to 120 months | APR rate 2.00% above the certificate rate at the time of the loan | 100% of original balance
Card Type | APR as Low As | Credit Limit
VISA® Signature | 13.90% 1 | $5,000 to $100,000
VISA® Platinum | 11.90% 1 | $1,000 to $100,000
VISA® Classic | 9.49% 1 | $1,000 to $100,000
Card Type | APR as Low As | Credit Limit
Business VISA® | 11.00% 1 | $1,000 to $100,000