Rates

Effective as of: June 21, 2018


Mt. McKinley Bank has many excellent deposit, real estate and consumer loan rates listed below. If you have any questions about these rates or products, please call (907) 452-1751 or outside the Fairbanks area, dial toll free (888) 515-1774. You may also visit the Mt. McKinley Bank location nearest you for more information.

Rate data is updated on a best effort basis, generally each business day before 10am. Rates are Subject to change without notice.

Deposit Rates

Time Deposits
APY*
Rate
30 Days 0.15% 0.15%
91 Days 0.20% 0.20%
6 Months 0.25% 0.25%
9 Months 0.25% 0.25%
1 Year 0.75% 0.75%
Opportunity Plus 1 Year 0.50% 0.50%
2 Year 1.01% 1.00%
Opportunity Plus 2 Year 0.80% 0.80%
3 Year 1.51% 1.50%
5 Year 2.02% 2.00%
Accounts APY** Rate
Cash (Qualifying Rate)**     - balance up to $5,000.00 2.50% 2.47%
                                                                         - balance more than $5,000.00 0.10% 0.10%
Saver (Qualifying Rate)**  - balance up to $10,000.00 0.75% 0.75%
                                                                       - balance more than $10,000.00 0.10% 0.10%
Accounts
APY*
Rate
NOW Checking 0.05% 0.05%
Savings 0.10% 0.10%
Money Market Plus
Rate paid when balance is more than or equal to $2,500
0.15% 0.15%
Investment Account
APY*
Rate
Up to $25,000 0.08% 0.08%
$25,001 - $50,000 0.12% 0.12%
$50,001 - $100,000 0.13% 0.13%
$100,000 - $500,000 0.14% 0.14%
$500,001 - $1,500,000 0.15% 0.15%
>$1,500,000 0.16% 0.16%
* APY- Annual Percentage Yield. The actual rate earned if the money stays on deposit for a full year.
** Non Qualifying Rate = .05% APY = .05%

 

Real Estate Loan Rates

Alaska Housing Finance Corp.
Rate
APR
Taxable 4.625% 4.93%
First Time Homebuyer (Tax Exempt) 4.250% 4.58%
First Time Homebuyer (Taxable) 4.500% 4.83%
Veterans Mortgage Program 4.250% 4.58%
Rural - Owner Occupied 4.375% 4.61%
Conventional
Rate
 
Fixed Rate Call for quote  
Government
Rate
 
FHA Call for quote  
VA Call for quote  
In House
Rate
 
Non-Conforming - Fixed Rate Call for quote  
Land Call for quote  
Recreational Property Call for quote  
Property Improvement Call for quote  
Second Mortgage Call for quote  
Home Equity Line of Credit Call for quote  
Construction
Rate
 
Construction Loans Available for Owner builders and Contractors Call for quote  

 

Consumer Loan Rates

Loan Type
Rate
APR
Auto - New Call for quote  
Auto - Used - 1 Year Old Call for quote  
Auto - Used - 2 to 5 Years Old Call for quote  
Auto - Used - over 5 Years Old Call for quote  
Travel Trailer - New Call for quote  
Travel Trailer - Used Call for quote  
Motorhome - New Call for quote  
Motorhome - Used Call for quote  
Truck Camper - New Call for quote  
Truck Camper - Used Call for quote  
Aircraft Call for quote  
Boats - New Call for quote  
Boats - Used Call for quote  
Motorcycle - New (Under $12,500) Call for quote  
Motorcycle - New (Over $12,500) Call for quote  
Used Motorcycle Call for quote  
Consumer Equipment - New (Minimum $12,500.00) Call for quote  
Consumer Equipment Used (Minimum $12,500.00) Call for quote  
4-Wheeler, Jet Ski, Snow-machine, etc. -  New Call for quote  
Miscellaneous Secured Call for quote  

 

Commercial Loan Rates

Commercial Rates are subject to change and vary for different situations.
If interested, please call 907-452-1751.