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Loan Rates

Effective May 1, 2013

Loan TypeAnnual
Percentage
Rate		TermsRate Type
New Auto
1.99% - 10.74% *
Up to 5 years
Fixed Rate
2.24% - 10.99% *
6 years
Fixed Rate
2.49% - 11.24% *
7 years
Fixed Rate
Used Auto
1.99% - 10.74% *
Up to 5 years
Fixed Rate
2.24% - 10.99% *
6 years
Fixed Rate
Older Used Auto
(Over 5 model years and/or 50,000 miles)

2.99% - 11.99% *
Up to 5 years
Fixed Rate

3.24% - 11.99% *
6 years
Fixed Rate

RV

New to 4 Years Old
7.25% - 16.00% *
90% Maximum LTV
Minimum 10% down payment. Larger down payment may be required based on credit score.
Loan Amount $50,000 and above, up to 15 years.
Loan Amount $25,000 to $49,999, up to 12 years.
Fixed Rate
7.75% - 16.50% *
90% Maximum LTV
Minimum 10% down payment. Larger down payment may be required based on credit score.
Loan Amount $10,000 to $24,999, up to 10 years.
Fixed Rate
9.75% - 18.00% *
90% Maximum LTV
Minimum 10% down payment. Larger down payment may be required based on credit score.
Loan Amount $5,000 to $9,999 up to 6 years.
Loan Amount under $5,000 up to 4 years.
Fixed Rate
New
motorcycle/boat
8.75% - 17.50% *
Up to 5 years
Fixed Rate
Used
motorcycle/boat
9.75% - 18.00% *
Up to 5 years
Fixed Rate
Signature Loan
11.75% - 18.00%
Under $10,000 - 3 years
Over $10,000 - 5 years
Fixed Rate
6.625% - 15.375%
Under $10,000 - 3 years
Over $10,000 - 5 years
Variable Rate
Preferred Access
Credit Line
5.625% - 6.375%
Open End Line of Credit
Variable Rate
Share Secured
3.125%
Up to 10 years
Variable Rate
Certificate Secured
3.125%
Up to 10 years
Variable Rate
Money Market Secured
3.125%
Up to 10 years
Variable Rate
* All rates are based on an evaluation of applicant's credit. Each applicant's credit history is reviewed and the rate is determined by how credit has been handled in the past. LTV = Loan-to-Value.
All rates and discounts are subject to change without notice.
For current information, call (661) 327-9461.
 

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Are You Facing Foreclosure?

Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

Click here to learn what Kern FCU can do to help! 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

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The people that work at Kern FCU will show you personal quality service anytime… anywhere.

You can count on us when buying a car, home, or seeking big returns on your savings. It's where you belong… at Kern FCU.

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