When you’re ready to take that next step towards your dream home, My Community is there
Our experienced mortgage lending team will get you the funding you need to reach your new front steps.
Benefits You'll Love
- Variety of mortgage types
- Seasoned lenders who know the market
- Easy application process
- Quick decisioning and processing
- Help from start to finish
- Competitive rates for home purchase and refinance
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique situation
- Variety of financing programs available:
- First-time homebuyer specials
- Fixed-rate mortgages
- Adjustable rate mortgages (ARMs)
- FHA Loans
- VA Loans
- Construction to Permanent Loans
- 2nd Lien Home Improvement Loans
- Helpful loan advisors with working knowledge of the real estate market
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Homebuying Concierge
- Get matched with a top-producing real estate agent in your area.
FHA Loans
FHA loans are federally insured, which may require a smaller down payment and may offer a lower interest rate than a comparable conventional loan. This might be the right loan for you if you are a first-time homebuyer or if you have limited cash for a down payment and closing costs.
- Down payments as low as 3.5%
- Fixed or adjustable interest rate
- Flexible terms up to 30 years
- Requires FHA mortgage insurance
- Balloon payment options not available
VA Loans
If you have been a member of the U.S. Military, you may qualify for a VA loan to help you purchase a primary residence. VA loans are federally guaranteed, which can make home buying more affordable with a fixed interest rate and payment, no monthly mortgage insurance to pay, and in some cases, no down payment requirement. If you are a veteran, we would also like to say a special "thank you."
- Up to 100% financing for eligible military personnel
- Fixed/level payment of principal and interest for the life of the loan
- Balloon payment options not available
- Flexible terms up to 30 years
- Monthly mortgage insurance not required
Fixed-Rate Mortgages
A fixed-rate mortgage features an interest rate that remains the same throughout the life of the loan, which means both your monthly principal and interest payment will be steady and predictable. If you are able to contribute a 20-percent down payment or more, you may be able to avoid the cost of private mortgage insurance.
- Down payments as low as 5%
- Amortization periods: from 10 to 30 years
- Fixed/level payment of principal and interest for the life of the loan; interest-only payments available in some situations
- Balloon payment options not available
- May require private mortgage insurance
Adjustable-Rate Mortgages
An Adjustable Rate Mortgage (ARM) may offer lower initial interest rates and can be an excellent choice of financing under certain situations like rising income expectations and short-term ownership. After a specified period, the interest rate adjusts based on a preselected index plus a margin and is generally subject to periodic and life-of-loan interest rate caps and floors.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle Loans
| Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
|---|---|---|---|
| New (2025 - 2024) | 4.99% | 5.49% | 5.74% |
| Used (2025 - 2021) | 5.24% | 5.74% | 5.99% |
| Used (2010 - 2019) | 5.79% | 6.04% | 7.24% |
| Used (2018 and older) | 6.84% | 7.64% | N/A |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
For motorcycles, add 1.00% to the base auto loan rate.
Payment Example: New auto loan of $20,000 for 60 months at 5.24% APR will have a monthly payment of $380.
Payment Example: New auto loan of $30,000 for 72 months at 5.49% APR will have a monthly payment of $490
Cash Secured Loans
| Loan Type | APR |
|---|---|
| Savings Secured Loan | 3.30% above pledged shares |
| Certificate (CD) Secured Loan | 2.30% above pledged certificate |
CD/Share Certificates
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 3.93% 3.93% 3.93% 3.78% 3.45% 3.20% 2.96% |
4.00% 4.00% 4.00% 4.00% 3.85% 3.50% 3.25% 3.00% |
| Jumbo Certificates 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.02% 4.02% 4.02% 3.88% 3.54% 3.30% 3.06% |
4.10% 4.10% 4.10% 4.10% 3.95% 3.60% 3.35% 3.10% |
| Youth Account Certificates 6 Month 12 Month 24 Month |
$500.00 $500.00 $500.00 |
3.93% 3.93% 3.78% |
4.00% 4.00% 3.85% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Credit Cards
| Loan Type | APR |
|---|---|
| MasterCard Rewards Card $25 Annual Fee, 25 Day Grace Period |
As low as 15.99% |
| MasterCard Platinum Card No Annual Fee, 25 Day Grace Period |
As low as 13.00% |
| Cash Secured Card No Annual Fee, 25 Day Grace Period |
As low as 13.50% |
Deposit Accounts
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Prime Checking $1,000.00 |
$25.00 |
$1000.00 |
0.20% |
0.20% |
Home Loans
Please contact Ladana Inkman for an interest rate quote: 469-774-2020 or email: [email protected]
IRA Certificates
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 3.93% 3.78% 3.45% 3.20% 2.96% |
4.00% 4.00% 3.85% 3.50% 3.25% 3.00% |
| Jumbo Certificates 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.02% 3.88% 3.54% 3.30% 3.06% |
4.10% 4.10% 3.95% 3.60% 3.35% 3.10% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| $5 - $25,000 | 4.89% | 5.00% |
| $25,000+ | 0.76% | 5.00% to 0.76% |
| All balances if qualifications not met | 0.06% | 0.06% |
Minimum deposit of $25.00 required to open Kasasa Cash account.
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $5 - $25,000 | 0.85% | 0.85% |
| $25,000+ | 0.75% | 0.85% to 0.75% |
| All balances if qualifications not met | 0.06% | 0.06% |
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Personal Loans
| Loan Type | APR |
|---|---|
| Unsecured Loans | As low as 12.49% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Recreational Vehicles
| Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
|---|---|---|---|
| New (2025 - 2024) | 8.50% | 9.00% | 10.00% |
| Used (2025 and older) | 10.00% | 10.45% | 10.75% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Savings Accounts
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Savings Account $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
$5.00 $5.00 |
0.10% 0.10% |
0.10% 0.10% |
| Christmas Club $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
- - |
0.50% 0.50% |
0.50% 0.50% |
| IRA Savings $5.00-24,999.99 $25,000 & over |
- - |
- - |
0.10% 0.10% |
0.10% 0.10% |
| Money Market $2,500-24,999.99 $25,000 & over |
$2,500.00 $2,500.00 |
$2,500.00 $25,000.00 |
0.15% 0.20% |
0.15% 0.20% |
Dividends will be compounded and will be credited monthly. Average Daily Balance.