Latest KeyBank Interest Rates - September 2026

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.