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APR = Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change wothout notice.  Fees may reduce earnings.


Kasasa Cash* Learn More

Tier Rate APY
0 - $15,000 4.889% 5.00%
Over $15,000 0.499% 0.50%
Qualifications not met 0.10% 0.10%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver* Learn More

Tier Rate APY
0 - $50,000 0.995% 1.00%
Over $50,000 0.499% 0.50%
Qualifications not met 0.10% 0.10%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Accounts

Account Minimum Balance Rate APY
Member Savings $5 0.25% 0.25%
Christmas Club $5 0.25% 0.25%
Regular Checking N/A 0.10% 0.10%
IRA, SEP, Roth, Educational N/A 0.50% 0.50%

Dividends on accounts are computed on average daily balances and posted at month end.

Money Market Learn More

Minimum Balance Rate APY
$10,000 1.00% 1.00%
$25,000 1.25% 1.26%
$50,000 1.50% 1.51%
$100,000 3.00% 3.04%

Dividends on accounts are computed on average daily balances and posted at month end.

Share & IRA Certificates Learn More

Term Minimum Balance Rate APY
6 Months* $500 5.00%* 5.12%*
12 Months* $500 5.25%* 5.38%*
18 Months* $500 5.00%* 5.12%*
24 Months* $500 4.25%* 4.33%*
36 Months $500 4.00% 4.07%
48 Months $500 3.75% 3.82%
60 Months $500 3.75% 3.82%

Penalty for early withdrawal. Dividends on certificates are computed on average daily balances of $500 or more.

*limited time offer

Consumer Loans

Loan Type Maximum Term APR
New Auto 2024-2019 Up to 84 Months As low as 4.49% - 5.99%
Used Auto 2018-2014 Up to 60 Months As low as 6.99% - 7.99%
Used Auto 2013- Up to 36 Months As low as 8.49%
Recreational  Up to 120 Months As low as 7.75% - 9.0%
Personal Up to 36 Months As low as 9.9%
Savings Secured Up to 60 Months As low as Dividend Rate + 1.5%
Certificate Secured Maturity of Pledged Certificate As low as Dividend Rate + 1.5%
Overdraft Protection N/A *$50 Minimum Payment As low as 18.0%

Real Estate Loans

Loan Type Maximum Term APR
Fixed Rate 1st Mortgage
Traditional Home Purchase or Refinance
Up to 15 Years As low as 6.50%
Fixed Rate 1st Mortgage
Unimproved Property/Land
Up to 12 Years As low as 8.00%
Adjustable Rate 1st Mortgage
Fixed for 7 years, then adjustable annually
7 Years / 30 Year Amortization As low as 6.50%
Fixed Rate 2nd Mortgage
Traditional Home Improvement Loan
Up to 15 Years As low as 9.25%
Adjustable Rate Home Equity Line of Credit
Rate adjusted quarterly, level payments
7 Years / 5 Year Draw Period As low as WSJ 3-month
Treasury Bill + 3.25%
Adjustable Rate Home Equity Line of Credit
Rate adjusted monthly, interest-only payments
25 Years / 10 Year Draw Period As low as WSJ Prime
Rate - 0.25%

Visa Credit Card Learn More

Minimum Payment APR
5% of balance, $25 minimum As low as 12.9%

APR = Annual Percentage Rate. All rates are subject to change without notice. For consumer loans, terms and rates are based on soundness of credit.