Lending Rates

All Rates are “As Low As – APR”

Loan TypeRate
New & Used Vehicles (cars, trucks, motorcycles & boats)7.04%
New & Used Recreational Vehicles (ATV, snowmobiles, tractors & trailers)8.24%
Title Campers7.04%

*Dealer Rates May Vary. Contact KSW for Details

Loan TypeRate
Guarantor Loan13.24%
FHA Loans – Limit $25,000 up to 20 yrs.8.50%
Home Equity Loans – Only within the State of MainePrime + 0.0%
Real Estate Loans – Only within the State of MaineCall for Details
Land/Seasonal PropertyCall for Details
Open-End Advances (minimum $500, limit $5,000)13.75%
Open-End Loan DraftsPrime + 6.00%
(above prime, adjusted semi-annually)
Personal Loans8.99%
Loan Secured by Shares3.5%
(above share rate)
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.

Protect your auto loan for $399.00 with our amazing Visual Gap (PDF) product.

Savings Rates

Current Savings Rates, Effective April 18, 2024

TypeMinimum BalanceDividend RateAnnual % 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$500.004.35%4.44%
36 mo Certificate$500.00 4.00%4.07%
48 mo Certificate$500.00 4.00%4.07%
60 mo Certificate$500.00 3.75%3.82%
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

TiersMinimum BalanceDividend RateAnnual % Yield
Tier 1$2,000.002.00%2.018%
Tier 2$25,000.012.25%2.273%
Tier 3$50,000.012.50%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.

KSW Rate and Fee Schedule for Share and Share Draft Accounts (PDF).

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