Personal Banking Rates
View current rates for some of our most common products below. More products, rates, and terms are available—for more information, please contact us or visit your local Kish branch.
Checking Account Rates (1), (2)
$100 minimum to open all Checking Accounts
no | Annual Percentage Yield (APY) |
|---|---|
| Easy Checking | N/A |
| Expect More Checking | no |
| $0.01 - $999.99 | 0.05% |
| $1,000.00+ | 0.10% |
| Green Checking | no |
| $0.01 - $25,000.00 | 4.00% |
| $25,000.01+ | 0.10% |
| Expect More Checking with Workplace Banking (3) | no |
| $0.01+ | 2.00% |
| Sunrise Checking | no |
| $0.01 - $10,000.00 | 3.00% |
| $10,000.01+ | 0.10% |
Savings & Money Market Account Rates (1), (2)
$100 minimum to open all Savings and Money Market Accounts, unless otherwise noted
no | Annual Percentage Yield (APY) |
|---|---|
| Savings Account | no |
| $100 - $9,999.99 | 0.10% |
| $10,000.00 - $249,999.99 | 0.15% |
| $250,000.00+ | 0.20% |
| Money Market Account | no |
| $1,000 - $19,999.99 | 1.25% |
| $20,000.00+ | 2.50% |
| Investment Money Market Account (6) | no |
| $1,000 - $19,999.99 | 1.25% |
| $20,000 - $499,999.99 | 2.50% |
| $500,000+ | 4.10% |
Certificate of Deposit Rates (1), (4), (5)
$2,000 minimum to open all CDs
no | Annual Percentage Yield (APY) |
|---|---|
| 3 Months | 3.75% |
| 5 Months Special | 4.77% |
| 6 Months | 4.40% |
| 12 Months | 4.19% |
| 18 Months | 4.14% |
| 18-Month UnCD (2) (6) | 4.00% |
| 24 Months | 3.75% |
| 30 Months | 3.43% |
| 36 Months | 3.43% |
| 48 Months | 3.43% |
| 48 Months Special | 4.09% |
| 48 Months Burial Reserve | 3.43% |
| 60 Months | 3.43% |
| 120 Months | 1.15% |
Individual Retirement Account Rates (1), (4)
no | Annual Percentage Yield (APY) |
|---|---|
| IRA Money Market Account ($100 minimum to open) (2) | no |
| $0.01 - $19,999.99 | 2.50% |
| $20,000+ | 2.50% |
| 18-Month Variable ($100 minimum to open) (2) | 2.26% |
Health Savings Account Rates (1), (2)
no | Annual Percentage Yield (APY) |
|---|---|
| $100+ | 0.10% |
| $1,000+ | 0.15% |
| $15,000+ | 0.20% |
(1) Rates effective as of 10/22/2024. Fees could reduce earnings on the account. Complete account disclosures are available upon request.
(2) Rates may change after the account is opened.
(2) Rates may change after the account is opened.
(3) Account eligibility subject to employment requirements being met.
(4) Early withdrawal penalties may be imposed for early withdrawal.
(5) CDs are eligible to be opened as IRA CDs, unless otherwise noted.
(6) Variable rate CD. Access your money without paying an early withdrawal penalty by giving the Bank seven days’ notice. Not eligible to be opened as an IRA CD.
(4) Early withdrawal penalties may be imposed for early withdrawal.
(5) CDs are eligible to be opened as IRA CDs, unless otherwise noted.
(6) Variable rate CD. Access your money without paying an early withdrawal penalty by giving the Bank seven days’ notice. Not eligible to be opened as an IRA CD.
Loan Rates
Home Equity Installment Loan Rates
| 5-Year Fixed | 10-Year Fixed | 15-Year Fixed | |
|---|---|---|---|
| Loan-to-Value 80% or below | no | no | no |
| Rate | 6.63% | 7.13% | 7.25% |
| APR | 6.75% | 7.19% | 7.30% |
| Payment | $490.62 | $291.88 | $228.22 |
| Loan-to-Value 80.01% - 90% | no | no | no |
| Rate | 7.38% | 7.88% | 8.00% |
| APR | 7.50% | 7.94% | 8.05% |
| Payment | $499.47 | $301.67 | $238.91 |
Subject to credit approval. The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 11/01/2024. APR shown requires automatic payments from a Kish Bank account and property insurance. Flood insurance may be required. All APR and estimated payments are based on a loan amount of $25,000 and do not include taxes and insurance.
Home Equity FlexLine of Credit Rates
| APR | Margin | Index (Prime) | |
|---|---|---|---|
| Loan-to-Value 80% or below (1) | 8.00% | 0.00% | 8.00% |
| Loan-to-Value 80.01% - 90% (2) | 8.75% | 0.75% | 8.00% |
(1) Subject to credit approval. The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 10/01/2024. APR is currently 8.00%, based on a 25-year term that includes a 10 year draw period followed by a 15 year repayment period for loans with a LTV of 80% or less and auto-drafting from a Kish Bank account. The interest is variable and is based on the prime interest rate published in the Wall Street Journal; the maximum APR is 21% or maximum allowed by law.
(2) Subject to credit approval. The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 10/01/2024. APR is currently 8.75%, based on a 25-year term that includes a 10 year draw period followed by a 15 year repayment period for loans with a LTV of 90% or less and auto-drafting from a Kish Bank account. The interest is variable and is based on the prime interest rate published in the Wall Street Journal plus 0.75%; the maximum APR is 21% or maximum allowed by law.
(1) (2) During the term of the credit line, the minimum monthly payment is $40 and a $100 transfer fee when exercising a flex option. Fees to establish the plan generally total between $350 and $785. Property insurance is required and flood insurance may be required.
(2) Subject to credit approval. The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 10/01/2024. APR is currently 8.75%, based on a 25-year term that includes a 10 year draw period followed by a 15 year repayment period for loans with a LTV of 90% or less and auto-drafting from a Kish Bank account. The interest is variable and is based on the prime interest rate published in the Wall Street Journal plus 0.75%; the maximum APR is 21% or maximum allowed by law.
(1) (2) During the term of the credit line, the minimum monthly payment is $40 and a $100 transfer fee when exercising a flex option. Fees to establish the plan generally total between $350 and $785. Property insurance is required and flood insurance may be required.
New Vehicle Loan Rates
| 3-Year Fixed | 5-Year Fixed | 6-Year Fixed | |
|---|---|---|---|
| Model Years 2024 & 2025 | no | no | no |
| Rate | 7.88% | 8.38% | 8.63% |
| APR | 8.08% | 8.50% | 8.73% |
| Payment | $781.97 | $511.41 | $446.00 |
Subject to credit approval. The Annual Percentage Rate (APR) shown is available for well-qualified applicants as of 11/07/2024. APR shown requires automatic payments from a Kish Bank account. Insurance may be required. All APR and estimated payments are based on a loan amount of $25,000.
Mortgage Loan Rates
To check current Mortgage rates, please contact any Kish location or Kish mortgage lender.
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