APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 01/01/2025. APY will vary depending on amount on deposit.
Kasasa Cash*
Qualifications
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction(s)
- At least 12 debit card purchases
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
Qualifications
Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction(s)
- At least 12 debit card purchases
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Share Accounts
Money Market
Share Certificates of Deposit
| Standard Terms | Min. Dep | APY |
|---|---|---|
| 3 Months | $500.00 | 0.30% |
| 6 Months | $500.00 | 2.50% |
| 12 Months | $500.00 | 3.00% |
| 24 Months | $500.00 | 3.25% |
| 36 Months | $500.00 | 3.50% |
| 48 Months | $500.00 | 3.75% |
| 60 Months | $500.00 | 3.80% |
*Standard terms updated as of 01/01/2025
90-day penalty for early withdrawal on all Share Certificates.
New Vehicles-Ask us about our spring specials!
New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining
Updated 01/01/2025
Used vehicles
Vehicles older than 2015 please visit one of our loan officers for further details.
Updated 01/01/2025
New RV's, Campers, Travel Trailer, Boats and more! Ask us about our spring specials!
Used RV's, Campers, Travel Trailer, Boats and more!
Home Mortgage Loans
| Type | Term | APR |
|---|---|---|
| 1st Mortgage | 80% LTV: 0 / 120 Months | 5.97% |
| 1st Mortgage | 80% LTV: 0 / 180 Months | 6.22% |
| 1st Mortgage | 80% LTV: 0 / 360 Months | 6.52% |
| 2nd Mortgage | 0 - 180 Months | 7.32% |
| 2nd Mortgage | 180 +Months | 7.57% |
| Land | 0 / 180 Months | 7.49% |
Real Estate: 1st Mortgage @80% LTV target, 5-year balloon on all 1st and 2nd mortgages. Other terms, conditions, and fees will apply. 2nd mortgage max 80% LTV if behind SWMCFCU 1st mortgage or 70% if behind any other 1st mortgage.
HELOC: Max loan of $65,000 or 80% of appraised or taxable value (which is less county tax assessment) with 5-year review. Other special HELOC terms, conditions and fees will apply.
Land: Unimproved land is without septic and/or well, LTV capped at 70% of appraised or taxable value, depending on principle amount. Improved land includes both septic and well. LTV is capped at 75% of appraised or taxable value, depending on principle amount.
Construction loans - Other program terms, conditions will apply.
More details apply consult with one of our loan officers.
Updated 01/01/2025
Business Checking Accounts