Personal Interest Rates
Listed below are the interest rates as of Friday, May 24, 2013.
Click the categories below to expand for more details.
Checking and Savings
|
Account Type |
Minimum Balance to Open Account and Obtain APY* |
Interest Rate |
APY* |
|
Kasasa Cash |
No Minimum Balance |
2.52%
0.10% |
2.55%
0.10% |
|
Gold Club Checking |
$100 | 0.10% | 0.10% |
|
Kasasa Saver |
No Minimum Balance |
0.9954%
0.10% |
1.00%
0.10% |
|
Statement Savings |
$200 |
0.10% |
0.10% |
|
Beginning Savings |
No Minimum Balance |
0.25% |
0.25% |
*APY=Annual Percentage Yield. Rates subject to change. Fees may reduce earnings of the account daily balance.
**Limitations Apply. Click Here for Qualifications and Limitations
Money Market
Individual Retirement Accounts (IRAs)
Health Savings
Certificates of Deposit (CDs)
Mortgage Rates
Based on owner-occupied $150,000 loan with 20% down payment. Normal underwriting guidelines apply. Borrower pays all closing costs.
|
Product |
Interest Rate |
APR* |
|
30 Year Fixed Rate |
3.750% |
3.824% |
|
20 Year Fixed Rate |
3.625% |
3.728% |
|
15 Year Fixed Rate |
2.875% |
2.696% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Home Construction Rates
Land Purchase Rates
Home Equity Loan Rates
|
Product |
Interest Rate |
APR* |
|
Home Equity Loan <80% Loan-to-Value Ratio (LTV) |
As low as 4.63% |
4.817% |
|
Home Equity Loan 81-90% LTV |
As low as 5.00% |
5.192% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Home Equity Line of Credit Rates
|
Product |
Interest Rate |
APR* |
|
Home Equity Line of Credit (HELOC) <70% |
5.00% variable |
5.00% variable |
|
HELOC >70% LTV |
5.00% variable |
5.00% variable |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Vehicle Rates
|
Product |
Interest Rate |
APR* |
|
Vehicle New |
As low as 4.13% |
4.155% |
|
Vehicle 2010-2012 |
As low as 4.63% |
4.658% |
|
Vehicle 2007-2009 |
As low as 5.00% |
5.028% |
|
Vehicle 2004-2006 |
As low as 5.25% |
5.278% |
|
All Other Vehicles |
As low as 5.50% |
5.528% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR'’s may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Credit Card Rates
|
Plan Options |
Retail Purchase |
Cash Advance |
|
Introductory Rate (6 months) |
7.90% |
18.90% |
|
Annual Percentage Rate |
14.90% |
18.90% |
|
Grace Period for Repayment of the balances for purchases |
25 days |
None |
|
Minimum Monthly Payment |
3% of the average daily balance or $10.00 |
3% of the average daily balance or $10.00 |
|
Method for Computing |
Average daily balance |
Actual daily balance |
|
Annual Fee |
None |
None |
|
Late Payment Fee |
$25.00 |
$25.00 |
|
Cash Advance Fee |
N/A |
$5.00 |
|
Return Check Fee |
$25.00 |
$25.00 |
Actual interest rates and APR's may vary based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
Personal Unsecured Rates
|
Product |
Interest Rate |
APR* |
|
Personal Unsecured Loan |
As low as 7.5% |
7.839% |
|
Overdraft Line of Credit |
18% |
18% |
*APR=Annual Percentage Rate subject to change. Actual interest rates and APR's may vary, are based on your personal credit history and will be provided upon receipt of a completed loan application approved by Coulee Bank.
