Loan Rates

Auto and Truck Loans Return to Top

New Autos/Trucks - Current/Previous Year Under 5,000 miles

Minimum Loan Amount Term APR*
Up to 36 mos. 4.24%
Up to 48 mos. 4.49%
Over $15,000 Up to 60 mos. 4.99%
Up to 66 mos. 5.24%
Over $20,000 Up to 72 mos. 5.49%
Over $25,000 Up to 78 mos. 7.49%
Over $35,000 Up to 84 mos. 7.74%

2007-2009 Used Autos/Trucks

Minimum Loan Amount Term APR*
Up to 36 mos. 4.24%
Up to 48 mos. 4.49%
Over $15,000 Up to 60 mos. 4.99%
Up to 66 mos. 5.49%
Over $20,000 Up to 72 mos. 6.24%
Over $25,000 Up to 78 mos. 7.74%
Over $35,000 Up to 84 mos. 7.99%

Autos/Trucks 2005-2006

Minimum Loan Amount Term APR*
Up to 36 mos. 5.49%
Up to 48 mos. 5.99%
Over $12,000 Up to 60 mos. 6.24%
Up to 66 mos. 6.49%
Over $20,000 Up to 72 mos. 6.74%
Over $25,000 Up to 78 mos. 8.24%
Over $35,000 Up to 84 mos. 8.49%

Autos/Trucks 2004

Minimum Loan Amount Term APR*
Up to 36 mos. 5.99%
Up to 48 mos.** 6.49%
Over $12,000 Up to 60 mos.** 6.74%
Up to 66 mos.** 6.99%
Over $20,000 Up to 72 mos.** 7.24%

    Ask about rates for 2003 and older autos and trucks.

  • *The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. All rates shown are fixed rate loans. Rates shown are subject to change without notice. Term affected by amount financed. Certain terms may not be available for all risk catagories. APR means Annual Percentage Rate.
  • ** Term may not be available for some risk categories.
Click to Apply Online!

Also check out Cars For Members and Enterprise Car Sales

Motorcycle Loans Return to Top

New Motorcycles - Current/Previous year under 5,000 miles
90% of purchase price or NADA, whichever is less

Minimum Loan Amount Term APR*
Up to 36 mos. 8.25%
Up to 48 mos.** 8.50%
Over $15,000 Up to 60 mos.** 8.75%
Up to 66 mos.** 8.99%
Over $20,000 Up to 72 mos.** 9.25%

Used Motorcycles
85% of purchase price or NADA, whichever is less

Minimum Loan Amount Term APR*
Up to 24 mos. 9.00%
Up to 36 mos.** 9.25%
Up to 48 mos.** 9.50%
Over $15,000 Up to 60 mos.** 9.75%
  • *The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. All rates shown are fixed rate loans. Rates shown are subject to change without notice. Term affected by amount financed. Certain terms may not be available for all risk catagories. APR means Annual Percentage Rate.
  • ** Term may not be available for some risk categories.
Click to Apply Online!

Boat, Motor, and Trailer Loans Return to Top

New Boat/Motor/Trailer
80% of purchase price or NADA, whichever is less

Term APR*
Up to 60 mos. 10.00%
Up to 72 mos. 10.25%

Used Boat/Motor/Trailer
75% of purchase price or NADA, whichever is less

Term APR*
Up to 48 mos. 10.50%

New Personal Watercraft
90% of purchase price or NADA, whichever is less

Term APR*
Up to 36 mos. 10.00%
  • *The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. All rates shown are fixed rate loans. Rates shown are subject to change without notice. Term affected by amount financed. Certain terms may not be available for all risk catagories. APR means Annual Percentage Rate.
Click to Apply Online!

Motor Home Loans Return to Top

New Motor Homes - Current/previous year under 5,000 miles
80% of purchase price or NADA, whichever is less

Term APR*
Up to 48 mos. Up to $15,000 9.75%
Up to 60 mos. 10.00%
Up to 72 mos. over $15,000 10.25%
Up to 84 mos. over $30,000 10.50%
Up to 96 mos. over $50,000 10.75%

Used Motor Homes
75% of purchase price or NADA, whichever is less

Term APR*
Up to 48 mos. Up to $15,000 10.75%
Up to 60 mos. 11.00%
Up to 66 mos. over $15,000 11.25%
Up to 72 mos. over $20,000 11.50%
  • *The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. All rates shown are fixed rate loans. Rates shown are subject to change without notice. Term affected by amount financed. Certain terms may not be available for all risk catagories. APR means Annual Percentage Rate.
Click to Apply Online!

Signature & Lines of Credit Return to Top

Term APR*
Signature -12 month term - $5,000 Max 12.50%
Signature Line of Credit - Up to 36 months - $10,000 Max 12.75%
  • *The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category your rate may be higher. All rates shown are fixed rate loans. Rates shown are subject to change without notice. Term affected by amount financed. Certain terms may not be available for all risk catagories. APR means Annual Percentage Rate.
Click to Apply Online!

Mortgage Rates* for Home Loans Return to Top

You can reach our Mortgage Department by calling 321-455-9400, x 5439, or toll-free (inside Florida) 800-662-5257, x 5439. All KSCFCU Mortgage Loans are offered for owner occupied residential dwellings in Brevard, Volusia, Orange, Seminole, Flagler, Indian River and Lake counties.

First Mortgage Loans

  • The interest rate, APR's, and points shown are subject to change without notice. The payment shown includes principal and interest only. Your actual payment will be higher if an escrow account is established and required. The maximum loan to value is 90% of appraised value or sale price, whichever is less. When refinancing, the maximum loan to value is 85% if you take cash out. Click here for additional disclosure information.
  • Payment estimates are based on a owner occupied loan in the amount of $100,000 with a LTV of 80%. Closing fees include appraisal and may vary depending on the county where the dwelling is located. Closing fees do not include prepaid interest or escrow reserves.
    • Interest

    Rate

    		 Points APR* Closing Fees Payment
    10 Yr Fixed 5.75% 0 5.904% $2644.50 $1,097.69
    15 Yr Fixed 5.75% 0 5.858% $2644.50 $830.41
    20 Yr Fixed 6.00% 0 6.087% $2644.50 $716.43
    25 Yr Fixed 6.125% 0 6.199% $2644.50 $651.96
    30 Yr Fixed 6.125% 0 6.191% $2644.50 $607.61

    Closed End 2nd Mortgage Loans

    • The interest rate and APR's shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees include appraisal fee, if necessary. The maximum loan to value is either 80% of appraised value or 110% of your tax assessment. The maximum loan amount is $100,000. Click here for additional disclosure information.
    • Payment estimates are based on a loan in the amount of $100,000 and a LTV of 80%.
      • Interest

      Rate

      		 APR* Closing Fees Payment
      Up to 60 mos. 7.00% 7.021% $672 $1980.14
      61-84 mos. 7.25% 7.265% $672 $1521.52
      85-120 mos. 7.50% 7.511% $672 $1187.02
      121-180 mos. 7.75% 7.758% $672 $941.28
Click to Apply Online!

Mortgage FAQs

  • *The rate you pay will be based on your credit history. If your risk profile puts you in a higher risk category your rate may be higher. Your APR will vary based on your final loan amount and finance charges. APR means Annual Percentage Rate.

Home Equity Loan Programs Return to Top

  • The interest rate and APR's shown are subject to change without notice. The payment shown includes principal and interest only. Closing Fees include estimated appraisal fee, if required, documentary stamps and recording fees. The maximum loan to value ratio of the 1st and 2nd mortgages combined can not exceed 80% of the appraisal, if required or 110% of the tax assessment. The maximum loan amount is $50,000. Click here for additional disclosure information.
  • Payment estimates are based of a loan in the amount $50,000 and include an estimated appraisal fee (determined on the county where the dwelling is located), documentary stamps and recording fees.

    • Home Equity Line of Credit Fixed Rate - up to 80% LTV

    Interest

    Rate

    		 APR* Closing Fees Payment
    Up to 10 Years 8.00% 8.00% $437.50 $606.88

    Home Equity Line of Credit Variable Rate - up to 80% LTV

    Interest

    Rate

    APR*

    		 Closing Fees Payment
    15 Years 4.00% 4.043% $437.50 $369.84
    • The rate you pay will be based on your credit history. If your risk profile puts you in a higher risk category your rate may be higher.
    • The index used to determine the APR is the Prime Rate published in the Money Rates column of the Wall Street Journal. *APR means Annual Percentage Rate and can vary depending on the need of an appraisal.

    Share and Certificate Secured Loans Return to Top

    Share Secured - up to 100% of Savings account balance

    Term APR
    120 mos. 4.50% above prevailing share rate

    Certificate Secured - up to 100% of Certificate account balance

    Term APR
    Maturity 2.00% above Certificate rate