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Special Offers
10 Year Fixed Rate Mortgage
KFS could save you THOUSANDS on your mortgage!  You'll consistently find some of the best rates around at KFS.  And you won't pay an application fee or document preparation fee at KFS.   Apply online or call a KFS Lender today to or find out how much KFS can save you.  

      3.19% Rate   |  3.25% APR*

     
  • No application fee
  • Decisions in Minutes, not days
  • Local service even after you close

          Call today!  1.888.249.0606

*Rate = 3.19%.  APR (Annual Percentage Rate) =  3.25%.  Valid for 1-4 family owner-occupied property only.  10 Year fixed rate mortgage loan to be repaid in 120 monthly payments of 49.74 per $1,000 borrowed.  Payments do not include amounts for taxes and insurance premiums, if applicable.  Actual payment obligation will be greater.  hazard insurance is required on the property that secures the loan.  Rates are accurate as of 1/17/12 and are subject to change without notice.  Ask a loan officer for the most current rate information.  
 KFS Rewards Checking & KFS Rewards Saver
Earn big-time interest and nationwide ATM fee refunds**for the things you are already doing!  KFS Rewards Checking pays premium interest and refunds ATM fees nationwide. Rewards earned on KFS Rewards Checking are automatically transferred to KFS Rewards Saver.  These FREE accounts work together so your savings builds itself.  There are no monthly fees and no minimum balance requirements.  Learn more. 

KFS Rewards CHECKING

    2.25% APY* Rewards Rate (on balances up to $35,000)

      .50% APY* Rewards Rate
    (on portion of balance over $35,000)

    0.05% APY* Base Rate
    (paid on all balances if qualifications are not met)

KFS Rewards SAVER

           0.75% APY* Rewards Rate (on balances up to $100,000)

              .25% APY* Rewards Rate
(on portion of balance over $100,000)

            0.15% APY* Base Rate
(paid on all balances if qualifications are not met)

      **During the monthly qualification cycle: 

      • Have at least 15 debit card purchases post and clear
      • Have at least 1 direct deposit or automatic payment post and clear
      • Enroll and receive electronic statements 
*Minimum to open account is $1 for KFS Rewards Checking and $25 for KFS Rewards Saver. Annual Percentage Yield (APY) accurate as of 10/27/2011. KFS Rewards Checking rate tiers are as follows: 2.25% APY applies to balances of $0-$35,000 and 0.50% APY applies to balances over $35,000 if qualifications are met during monthly qualification cycle. 0.05% APY applies to all balances if qualifications are not met. The advertised KFS Rewards Checking APY is based on compounding interest. The interest earned in KFS Rewards Checking is automatically transferred to KFS Rewards Saver each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. KFS Rewards Saver rate tiers are as follows: 0.75% APY applies to balances of $0-$100,000 and 0.25% APY applies to balances over $100,000 if qualifications are met during monthly qualification cycle on KFS Rewards Checking. 0.15% APY applies to all balances if qualifications are not met on KFS Rewards Checking. All balances will earn 0.25%-0.75% APY if qualifications are met on KFS Rewards Checking. Qualifying transactions must post and clear KFS Rewards Checking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Rates may change after account is opened. Fees may reduce earnings. **Unlimited ATM Fee refunds (KFS Rewards Checking account only) provided only if qualifications are met within monthly qualification cycle.  No minimum balance requirement.  No monthly service charge.  Available for personal accounts only.
 KFS Tunes Checking
Earn iTunes® downloads and Nationwide ATM fee refunds with the KFS Tunes Checking account!  

Earn $10 in downloads when you open your account, then earn $5 each month that you qualify.  Plus we'll refund you ATM fees nationwide every month you qualify.   KFS Tunes comes with free online banking and bill pay and there are NO monthly fees and NO minimum balance requirements.   Learn more. 

To earn iTunes downloads and get Nationwide ATM fee refunds*, meet these 3 easy qualifications each cycle:

  • Make 10 debit card purchases
  • Enroll and receive electronic statements
  • Access online banking
Earn iTunes® download refunds up to $10 with initial account opening regardless of qualifications.  Earn up to $5 in iTunes download refunds each cycle the qualifications are met.  If you do not meet the qualifications one cycle, your account will still be free; however, it will not receive ATM refunds or iTunes refunds for that time period.  No minimum balance required.  No monthly service charge.  You must deposit a minimum of $10 to open this account.  Available to personal accounts only.  iTunes must be purchased with the KFS debit card associated with your KFS Tunes account.  *ATM fee refunds up to $25 per statement cycle when qualifications are met.  iTunes is a trademark of Apple, Inc.  This program is not endorsed by iTunes or Apple® nor is there any actual or implied joint venture, partnership or relationship of any kind between KFS and Apple's iTunes. 
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