KEYCommercial Bank
Latest KeyBank Interest Rates - September 2026
KeyBank National Association (KEY)
1-Year CD: 3.75% Mortgage APR: 6.75% Prime Rate: 6.75%
Interest Rate Summary
KeyBank Interest Rates & Loan Products Overview
Quick Summary: Official interest rates and consumer retail banking solutions offered across 15 states by KeyBank National Association (KEY):
Key Benchmark & Deposit Rates:
- Reference Prime Rate: Standing at 6.75%, serving as the benchmark index for lines of credit, credit cards, and variable lending facilities.
- Savings & CDs: The standard Key Active Saver earns a base 0.01% APY (with promotional Select Money Market rates up to 3.75% for introductory periods). Featured Tiered Long-Term and Jumbo Certificates of Deposit (CDs) yield up to 3.75% APY on 12-month terms and 3.50% APY on 9-month terms with relationship checking.
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Fixed purchase mortgage rates start from 6.750% (approx. 6.824% APR) across primary service areas, alongside 15-Year Fixed (6.125%) and ARM options with repayment terms up to 30 years, zero prepayment penalties, and community credit grants up to $5,000 for qualifying buyers.
- Auto Financing: Direct auto loans for purchase and refinancing start as low as 6.74% APR (ranging to 11.74% APR) for 60 to 72-month terms on qualifying loan amounts ($5,000+).
- Personal Loans: Unsecured installment personal loans range from 8.49% to 21.99% APR for borrowing amounts between $2,000 and $50,000 with repayment periods from 12 to 84 months and $0 origination fees.
- Credit Cards: Consumer cards (e.g., KeyBank Latitude® and Key Cashback® Mastercard) feature 0% introductory APR promotional periods followed by variable purchase APRs starting at 18.49% (scaling to 25.49% based on creditworthiness) with a 25-day grace period.
💡 Financial Tip: Rates and promotional CD APYs may vary depending on geographic ZIP code, loan amount, and relationship checking tier. Confirm localized terms on Key.com prior to applying.
CD & Savings Interest Rates - KEY
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.01% | 0.01% |
| 1 Month | - | 0% |
| 3 Months | - | 0% |
| 6 Months | - | 0% |
| 12 Months (Benchmark ⭐) | 3.75% | 3.75% |
| 24 Months | - | 0% |
| 36 Months | - | 0% |
Featured Loan Products - KEY
Loan Guide & Terms →mortgageKEY
6.75% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 80% of value
- • Formula: SOFR + margin
auto loanKEY
6.74% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 80% of value
personal loanKEY
8.49% /yr
- • Max loan term: 5 years
student loanKEY
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for KeyBank
Simulate monthly principal and interest payments at 6.75%/yr APR for KEY with detailed amortization schedule and Excel export.
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