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Rates

 

Deposit Rates - Checking

Effective as of 10/1/18

  Balance Minimum Deposit to
Open / Earn APY*
Interest Rate APY*
eFreedom Checking (must meet certain criteria to earn the disclosed APY.  APY earned depends on account balance.  Click here for details).
$1 to $20,000.00 $25/ $1 2.48% 2.50%
  over $20,000.00   .35% 2.51% to 0.51%
Freedom Checking   $25 / $1,000 .03% 0.03% to 0.00%
Freedom Platinum ($200.00 deposit required to open; must meet certain criteria to earn the disclosed APY. APY earned depends on account balance)   $200 / $200 .08% .08%
Consumer Tiered Money Market $0 to $2,499.99 $2,500 / $1 .05% .05%
  $2,500 to $24,999.99 $2,500 / $2,500 .08% .08%
  $25,000 to $49,999.99 $2,500 / $25,000 .15% .15%
  $50,000 to $99,999.99 $2,500 / $50,000 .20% .20%
  $100,000 and up $2,500 / $100,000 .25% .25%
Business Tiered Money Market $0 to $9,999.99 $2,500 / $1 .05% .05%
  $10,000 to $49,999.99 $2,500 / $10,000 .15% .15%
  $50,000.00 to $99,999.99 $2,500 / $50,000 .20% .20%
  $100.000 to $499,999.99 $2,500 / $100,000 .30% .30%
  $500,000 to $999,999.99 $2,500 / $500,000 .35% .35%
  $1,000,000 and up $2,500 / $1,000,000 .40% .40%

 

*APY - Annual Percentage Yield. Rate and APY are variable and are subject to change.
Fees may reduce earnings.
Rates may change after account is opened.
Further restrictions may apply.

 

Deposit Rates - Savings

Effective as of 10/1/18

  Balance Minimum Deposit to Open/Earn APY* Interest Rates APY*
Passbook   $50 / $1 .05% .05%
Statement   $100 / $100 .08% .08%
Christmas/Vacation Club   $5 / $1 .995% 1.00%
Kid$kash Stmt Savings $1 to $1,000 $5 / $1 2.96% 3.00%
  over $1,000   .08% 3.00% to 0.09%
Money Market Savings Account
Consumer / Business
$25,000 - $49,999.99 $25,000 / $25,000 .20% .20%
  $50,000 - $99,999.99 $25,000 / $50,000 .25% .25%
  $100,000 - $199,999.99 $25,000 / $100,000 .45% .45%
  $200,000 and up $25,000 / $100,000 .50%

.50%

Rewards Money Market $2,500 - $24,999.99   .10% .10%
($1,000 deposit required to open: $5 Service Charge $25,000-$49,999.99   .35% .35%
if average daily balance falls below $1,000. Must meet $50,000-$99,999.99   .45% .45%
certain criteria to earn disclosed APY.) $100,000-$199,999.99   .70% .70%
  $200,000 and up   .90% .90%
Inidividual or Family Health Savings Account   $25 / $1 .08% .08%

*APY - Annual Percentage Yield. Rate and APY are variable and are subject to change.
Fees may reduce earnings.
Rates may change after account is opened.
Further restrictions may apply.

 

Certificates of Deposit*

Effective as of 10/1/18

Balance Interest Rate APY**
30 to 89 Days .10% .10%
90 to 179 Days .25% .25%
180 to 364 Days .30% .30%
8 Months*** 1.65% 1.66%
9 Months .35% .35%
1 Year .50%

.50%

13 Months*** 2.25% 2.27%
18 Months .55% .55%
2 Years .85% .85%
3 Years 1.15% 1.16%
4 Years 1.30% 1.31%

* Penalty may be applied for early withdrawal.Minimum $500 to open Certificate of Deposit.  Fees may reduce earnings. Further restrictions may apply.

**APY - Annual Percentage Yield. Rates are subject to change at any time.

***8-Month and 13-Month Special CD's will automatically renew into a 1-Year term at the current rate at that time.  Minimum to open account is $500. Penalty will be imposed for early withdrawal.  Fees may reduce earnings.  May not be combined with any other rate promotions.  Municipal and institutional accounts are not eligible for promotion.

 

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IRA'S

Effective as of 10/1/18

  Minimum Deposit Interest Rate APY*
18-Month Traditional $500 .45% .45%
                 Roth $500 .45% .45%
                 ESA $500 .45% .45%
1 Year IRA Certificate of Deposit $500 .50% .50%
2 Year IRA Certificate of Deposit $500 .85% .85%
3 Year IRA Certificate of Deposit $500 1.15% 1.16%
4 Year IRA Certificate of Deposit $500 1.30% 1.31%

*APY - Annual Percentage Yield. Rates are subject to change.
Note: Traditional, Roth and ESA IRA's are 18 mos. variable rate. Fees may reduce earnings. Rates may change after account is opened. Further restrictions may apply. Minimum deposit of $500 required for all IRA products.

Please see your tax advisor if you have questions about whether or not you are qualified to contribute to an IRA.

 

Mortgages

Click here for Mortgage Information, Rates & Applications.

 

Consumer Loans

Effective 10/1/18

  Rate APR* Max. LTV
Time Notes      
Unsecured 9.100% 9.226% N/A
CD Secured(CD account rate + 3.00%) Floor 4%/Ceiling 10% 4.000% 4.051% 95%
Passbook Secured (Passbook account rate + 3.00%) Floor 4%/Ceiling 10% 4.000% 4.051% 95%

The Prime Rate as of June 14, 2018 is 5.00%. Passbook and CD secured loans are fixed if term is 90 days or less - variable monthly, if term exceeds 90 days.

     
Auto Loans      
Model years 2012 - 2019      
Up to 36 months (Model year 2012 & newer) 3.350% 3.350% 100%
Up to 48 months (Model year 2013 & newer) 3.600% 3.600% 100%
Up to 60 months (Model year 2014 & newer) 3.750% 3.750% 100%
Secured Personal Loans      
Boat, Motorcycle, ATV, Tractor, Snowmobile, Trailers, Campers & Autos Older than 2012      
Up to 36 months 6.650% 6.650% 100%
Up to 48 months 7.150% 7.1500% 100%
RV Loans      
Model years 2012-2019      
Up to 36 months 5.700% 5.700% 90%
Up to 48 months 6.100% 6.100% 90%
Up to 60 months (minimum loan amount $20,000) 6.550% 6.550% 90%
Up to 120 months (minimum loan amount $20,000) 8.600% 8.600% 90%
Up to 180 months (minimum loan amount $20,000) 9.750% 9.750% 90%
Mobile Home Loans      
Model years 2012 - 2019      
Up to 60 months 5.700% 5.700% 85%
Up to 120 months 7.300% 7.300% 85%
Up to 180 months 8.350% 8.350% 85%
Unsecured Personal Loans
 
 
 
Minimum loan amount $2,500 - Maximum loan amount $20,000)      
Up to 36 months 9.300% 9.300% N/A
Home Improvement Loans      
(Up to 100% of written cost estimates)      
Up to 36 months 7.700% 7.700% N/A
Overdraft Line of Credit      
Minimum loan amount $500 18.500% 18.500% N/A
VISA/MC      
Minimum loan amount $500. Maximum loan amount $20,000. 12.900% 12.900% N/A

 

*Annual Percentage Rate. The APRs shown are as of October 1, 2018 and are available to a consumer who has a credit score of 751 or better required by Kinderhook Bank for its best rate and whose loan meets any applicable loan-to-value requirement. Higher APRs are available to consumers who do not meet these criteria. The APRs shown above have been discounted by .25% and are conditional upon an automatic payment arrangement from a Kinderhook Bank account. The automatic payment arrangement is optional. If you choose not to have the payment automatically deducted from your Kinderhook Bank deposit account, the interest rate will be .25% higher. All rates and terms are subject to credit qualification.  Examples of monthly payments for various types of loans in New York State are as follows: The monthly payment for a RV loan of $30,000 with an APR of 6.55% repayable in 60 months would be $587.83. The monthly payment for a Mobile Home loan of $25,000 in New York with an APR of 7.30% repayable in 120 months would be $294.26. The monthly payment for a Secured Personal Loan of $15,000 with an APR of 7.15% repayable in 48 months would be $360.33. The monthly payment for an Unsecured Personal Loan of $10,000 with an APR of 9.30% repayable in 36 months would be $319.49. The monthly payment for a Home Improvement Loan of $10,000 with an APR of 7.70% repayable in 36 months would be $312.06. The monthly payment for an Auto Loan of $20,000 with an APR of 3.75% repayable in 60 months would be $366.95.  All loans except for Cash Secured, Overdraft LOC & VISA/MC are eligible for automatic-deduction discounts. *FOR JOINT APPLICATIONS, RATE & LTV ARE BASED UPON THE LOWEST CREDIT SCORE OF THE APPLICANTS.