Loan Rates
AUTO LOAN RATES
AUTO LOANS (NEW & USED)
| Model Year | Term (Months) | APR as low as* |
|---|---|---|
| 2025-2015 | 48 | 5.25% |
| 2025-2015 | 60 | 5.49% |
| 2025-2015 | 72 | 5.75% |
| 2025-2015 | 84 | 6.25% |
MOTORCYCLE LOANS (NEW & USED)
| Model Year | Term (Months) | APR as low as* |
|---|---|---|
| 2025-2015 | 48 | 5.50% |
| 2025-2015 | 60 | 5.75% |
| 2025-2015 | 72 | 6.75% |
RV, CAMPER, & TRAVEL TRAILER LOANS (MAX FINANCE $35K)
| Model Year | Term (Months) | APR as low as* |
|---|---|---|
| 2025-2015 | 48 | 7.75% |
| 2025-2015 | 60 | 8.00% |
| 2025-2015 | 72 | 8.25% |
| 2025-2015 | 84 | 8.50% |
WATERCRAFT LOANS
| Model Year | Term (Months) | APR as low as* |
|---|---|---|
| 2025-2015 | 48 | 8.25% |
| 2025-2015 | 60 | 8.50% |
| 2025-2015 | 72 | 8.75% |
| 2025-2015 | 84 | 9.00% |
*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers.
Rates and terms subject to change without notice. 1/9/2026.
Rates and terms subject to change without notice. 1/9/2026.
HOME LOAN RATES
| Product Type | Term (Months) | APR as low as* |
|---|---|---|
| First Mortgage Loans | Call (316) 263-5756, option 2 | |
| Fixed Rate Home Equity Loans | Call (316) 263-5756, option 2 | |
| Home Equity Line of Credit (HELOC) | Call (316) 263-5756, option 2 | |
| Fast Forward Home Loan | 60 | 5.99% |
| Fast Forward Home Loan | 84 | 6.25% |
| Fast Forward Home Loan | 120 | 6.50% |
| Fast Forward Home Loan | 180 | 6.75% |
| Fast Forward Home Loan | 240 | 7.00% |
*Rates and terms subject to change without notice. 10/9/2025
*Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime plus or minus a margin and the Loan to Value. The floor rate is 4.75%. Maximum APR during the life of the loan is 18.00%. Limited to owner occupied properties. Other restrictions and limitations may apply.
HELOC: Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. The floor rate is 5.00% APR. Maximum APR during the life of the loans is 18.00% APR. Appraisal is required with a fee range from $250-$500. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply. All loans are subject to approval.
*Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime plus or minus a margin and the Loan to Value. The floor rate is 4.75%. Maximum APR during the life of the loan is 18.00%. Limited to owner occupied properties. Other restrictions and limitations may apply.
HELOC: Annual Percentage Rate is variable and is subject to change quarterly based on the Wall Street Journal Prime Plus or minus a margin and the Loan to Value. The floor rate is 5.00% APR. Maximum APR during the life of the loans is 18.00% APR. Appraisal is required with a fee range from $250-$500. For a limited time, Quantum will waive your closing costs for the following fees: title insurance, recording fees, and flood certification. Limited to owner-occupied properties. Other restrictions, fees and limitations may apply. All loans are subject to approval.
PERSONAL LOAN RATES
| Product Type | Term (Months) | APR as low as*** |
|---|---|---|
| Line of Credit (My Line My Way) | Varies | 7.90% |
| Signature Loans | 12 | 7.99% |
| Signature Loans | 24 | 8.99% |
| Signature Loans | 36 | 9.99% |
| Signature Loans | 48 | 10.99% |
| Signature Loans | 60 | 11.99% |
***Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 3/13/2024.
VISA® CREDIT CARD
| Product Type | APR as low as* |
|---|---|
| Rewards | 9.90% to 12.90% |
| Shared Secure | 12.00% |
*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.
SHARE/CD SECURED LOAN RATES
| Product Type | APR as low as* |
|---|---|
| Share/CD Secured | 3.00% above current dividend being paid |
*Lowest possible APR (Annual Percentage Rate) based on credit worthiness for qualified borrowers. Rates and terms subject to change without notice. 10/16/2017.
Fees could reduce earnings. Rates and balance tiers for CDs and Retirement CDs are applicable as of the effective date, and may change at our discretion.
Fees could reduce earnings. Rates and balance tiers for CDs and Retirement CDs are applicable as of the effective date, and may change at our discretion.
Deposit Rates
SAVINGS ACCOUNT RATES
SAVINGS ACCOUNT RATES
| Account Type | Minimum Deposit Required | APY* | Dividend Rate |
|---|---|---|---|
| Savings Account | Minimum $5 required | 0.05% | 0.05% |
| Money Market Account | $0 - $4,999 | 0.15% | 0.15% |
| Money Market Account | $5,000 - $49,999 | 0.20% | 0.20% |
| Money Market Account | Over $50,000 | 0.30% | 0.30% |
| Kid's Account - Savings | Minimum $5 required | 0.05% | 0.05% |
| Youth Account - Savings | Minimum $5 required | 0.05% | 0.05% |
*Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 9/28/2020.
Declared Dividends for Savings and Checking – 9/28/2020.
Declared Dividends for Savings and Checking – 9/28/2020.
IRA & SHARE CERTIFICATE (CD) RATES
IRA & SHARE CERTIFICATE (CD) RATES
| Term | Minimum Deposit Required (Notes) | APY* |
|---|---|---|
| 3 Months | Dividend paid at maturity; 30-day penalty | 0.30% |
| 6 Months | Dividend paid at maturity; 60-day penalty | 0.40% |
| 9 Months | Dividend paid at maturity; 90-day penalty | 3.75% |
| 12 Months | Dividend paid quarterly; 90-day penalty | 0.70% |
| 18 Months | Dividend paid quarterly; 90-day penalty | 0.75% |
| 18 Months | Dividend paid quarterly; 120-day penalty | 3.75% |
| 24 Months | Dividend paid quarterly; 120-day penalty | 1.00% |
| 36 Months | Dividend paid annually; 180-day penalty | 1.25% |
| 60 Months | Dividend paid annually; 360-day penalty | 1.50% |
NOTE: Penalty for early withdrawal applies to all Certificates.
*Annual Percentage Yield. Rates subject to change without notice. Current Certificates rates effective 1/9/26.
Fees could reduce earnings. Rates and balance tiers for savings, CDs, and Retirement CDs are applicable as of the effective date, and may change at our discretion.
*Annual Percentage Yield. Rates subject to change without notice. Current Certificates rates effective 1/9/26.
Fees could reduce earnings. Rates and balance tiers for savings, CDs, and Retirement CDs are applicable as of the effective date, and may change at our discretion.
CHECKING ACCOUNT RATES
| Account Type | Minimum Deposit Required | APY* | Dividend Rate |
|---|---|---|---|
| The Q Checking | |||
| The Q Plus Checking | Minimum $100 required | 0.03% | 0.03% |
Fees could reduce earnings. Rates and balance tiers for checking accounts are applicable as of the effective date, and may change at our discretion.
*Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 4/1/2017.
Declared Dividends for Savings and Checking – 4/1/2017.
*Annual Percentage Yield (APY) will vary based on average deposit balance and length of time on deposit. Minimum balance may be required. Effective 4/1/2017.
Declared Dividends for Savings and Checking – 4/1/2017.
