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Rates

Deposit Rates - Checking

Effective as of 3/1/15

Balance Minimum Deposit to
Open / Earn APY*
Interest Rate APY*
eFreedom Checking $1 to $20,000.00 $100/ $1 2.48% 2.50%
over $20,000.00 .75% 2.52% to 0.88%
Freedom Checking $100 / $1,000 .03% 0.03% to 0.00%
Regular Money Market $0 to $2,499.99 $100 / $100 .05% .05%
$2,500.00 and up $2,500/$2,500 .15% .15%
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 .18% .18%
$50,000 to $99,999.99 $2,500 / $50,000 .25% .25%
$100,000 and up $2,500 / $100,000 .35% .35%
Business Tiered Money Market $0 to $9,999.99 $2,500 / $1 .05% .05%
$10,000 to $49,999.99 $2,500 / $10,000 .18% .18%
$50,000.00 to $99,999.99 $2,500 / $50,000 .25% .25%
$100.000 to $499,999.99 $2,500 / $100,000 .40% .40%
$500,000 to $999,999.99 $2,500 / $500,000 .45% .45%
$1,000,000 and up $2,500 / $1,000,000 .50% .50%

*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 3/1/15

Balance Minimum Deposit to
Open/Earn APY*
Interest Rates APY*
Passbook $50 / $1 .08% .08%
Statement $100 / $100 .08% .08%
Christmas 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 .23% .23%
$50,000 - $99,999.99 $25,000 / $50,000 .33% .33%
$100,000 - $199,999.99 $25,000 / $100,000 .43% .43%
$200,000 and up $25,000 / $100,000 .50%

.50%

 Inidividual or Family Health Savings Account    $100 / $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 3/1/15

Balance Interest Rate APY**
30 to 89 Days .10% .10%
90 to 179 Days .10% .10%
180 to 364 Days .80% .80%
1 Year .35% .35%
18 Months .35% .35%
2 Years .90% .90%
3 Years 1.09% 1.10%
4 Years .50% .50%

* Penalty may be applied for early withdrawal.
**APY - Annual Percentage Yield. Rates are subject to change.
Minimum $500 deposit to open Certificate of Deposit.
Fees may reduce earnings.
Rates may change after account is opened.
Further restrictions may apply

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IRA'S

Effective as of 3/1/15

Minimum Deposit Interest Rate APY*
Traditional $500 .45% .45%
Roth $500 .45% .45%
ESA $500 .45% .45%
1 Year IRA Certificate of Deposit $500 .80% .80%
2 Year IRA Certificate of Deposit $500 .90% .90%
3 Year IRA Certificate of Deposit $500 .45% .45%
4 Year IRA Certificate of Deposit $500 .50% .50%

*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.

Mortgages

Click here for Mortgage Information, Rates & Applications.

Consumer Loans

Effective 3/1/15

Rate APR* Max. LTV
Time Notes
Unsecured 9.250% 9.370% N/A
Stock Secured (Prime+.50%) Floor 4%/Ceiling 10% 4.000% 4.051% 60%
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 12/16/2008 is 3.25%. 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 2008 - 2015
Up to 36 months (Model year 2008 & newer) 3.500% 3.500% 100%
Up to 48 months (Model year 2009 & newer) 3.750% 3.750% 100%
Up to 60 months (Model year 2010 & newer) 4.000% 4.000% 100%
Secured Personal Loans
Boat, Motorcycle, ATV, Tractor, Snowmobile, Trailers, Campers & Autos Older than 2008
Up to 36 months 7.000% 7.000% 80%
Up to 48 months 7.500% 7.500% 80%
RV Loans
Model years 2008-2015
Up to 36 months 6.750% 6.750% 80%
Up to 48 months 7.500% 7.500% 80%
Up to 60 months (minimum loan amount $20,000) 7.750% 7.750% 80%
Up to 180 months (minimum loan amount $20,000) 9.750% 9.750% 80%
Mobile Home Loans
Model years 2008 - 2015
Up to 60 months 7.00% 7.00% 75%
Up to 120 months 7.25% 7.25% 75%
Up to 180 months 7.50% 7.50% 75%
Unsecured Personal Loans
Mimimum loan amount $2,500 - Maximum loan amount $20,000)
Up to 36 months 9.000% 9.000% N/A
Home Improvement Loans      
(Up to 100% of wrtten cost estimates)      
Up to 36 months 7.750% 7.750%  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 March 1, 2015 and are available to a consumer who has a credit score of 740 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. Additional relationship and auto-deduct discounts may apply. All rates and terms are subject to credit qualification.

Examples of monthly payments for various types of loans are as follows: The monthly payment for a RV loan of $30,000 in New York with an APR of 7.75% repayable in 60 months would be $604.82. The monthly payment for a Mobile Home loan of $25,000 in New York with an APR of 7.25% repayable in 120 months would be $293.58. The monthly payment for a Secured Personal Loan of $15,000 with an APR of 7.50% repayable in 48 months would be $362.26. The monthly payment for an Unsecured Personal Loan of $10,000 with an APR of 9.00% repayable in 36 months would be $318.04. The monthly payment for a Home Improvement Loan of $10,000 with an APR of 7.75% repayable in 36 months would be $312.29. The monthly payment for an Auto Loan of $20,000 with an APR of 4.00% repayable in 60 months would be $368.32.

All loans except for Cash Secured Loans, Overdraft LOC & VISA/MC are eligible for auto-deduct discounts.