Lending Rates
All Rates are “As Low As – APR”
| Loan Type | Rate |
|---|---|
| New & Used Vehicles (cars, trucks, motorcycles, & boats) | 5.99% |
| New & Used Recreational Vehicles (ATV, snowmobiles, tractors, & trailers) | 6.49% |
| Title Campers | 5.99% |
*Dealer Rates May Vary. Contact KSW for Details
| Loan Type | Rate |
|---|---|
| Guarantor Loan | 13.24% |
| FHA Loans – Limit $25,000 up to 20 yrs. | 8.50% |
| Home Equity Loans – Only within the State of Maine | Prime + 0.0% |
| Real Estate Loans – Only within the State of Maine | Call for Details |
| Land/Seasonal Property | Call for Details |
| Open-End Advances (minimum $500, limit $5,000) | 13.75% |
| Open-End Loan Drafts | Prime + 6.00% (above prime, adjusted semi-annually) |
| Personal Loans | 8.99% |
| Loan Secured by Shares | 3.5% (above share rate) |
| VISA | 9.90% |
| Loans Secured by Certificates (due at the maturity of the certificate) | 3.5% (above the rate of certificate) |
Mortgage rates, terms, and application.
All rates are subject to credit approval and may vary based on credit score.
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Savings Rates
Current Savings Rates, Effective April 17, 2025
| Type | Minimum Balance | Dividend Rate | Annual % Yield |
|---|---|---|---|
| Share Savings | $25.00 | 0.05% | 0.05% |
| Kasasa Saver | $25.00 | 0.75%*** | 0.75%*** |
| Club Accounts | $0.00 | 0.05% | 0.05% |
| Youth Accounts | $5.00 | 0.05% | 0.05% |
| 6 mo Certificate | $500.00 | 3.50% | 3.56% |
| 12 mo Certificate | $500.00 | 4.00% | 4.07% |
| 24 mo Certificate | $500.00 | 3.95% | 4.02% |
| 36 mo Certificate | $500.00 | 3.50% | 3.56% |
| 48 mo Certificate | $500.00 | 3.25% | 3.30% |
| 60 mo Certificate | $500.00 | 3.00% | 3.04% |
| IRA – Individual Retirement Accounts | $25.00 | 0.25% | 0.25% |
KASASA CASH: 4.00% up to 15,000, over 15,000. (Annual Percentage Yield Blended Rate)
Money Market Rates
| Tiers | Minimum Balance | Dividend Rate | Annual % Yield |
|---|---|---|---|
| Tier 1 | $2,000.00 | 2.00% | 2.018% |
| Tier 2 | $25,000.01 | 2.25% | 2.273% |
| Tier 3 | $50,000.01 | 2.50% | 2.529% |
** $25 minimum balance.
*** Kasasa rates are subject to qualifications. Please see details here.
All rates are subject to credit approval and may vary based on credit score.