APR = Annual Percentage Rate. APY=Annual Percentage Yield. Rates are subject to change without 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 | 4.15%* | 4.23%* |
| 12 Months* | $500 | 4.05%* | 4.13%* |
| 18 Months* | $500 | 4.00%* | 4.07%* |
| 24 Months* | $500 | 4.00%* | 4.07%* |
| 36 Months | $500 | 3.90% | 3.97% |
| 48 Months | $500 | 3.25% | 3.30% |
| 60 Months | $500 | 3.25% | 3.30% |
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 2025-2020 | Up to 84 Months | As low as 4.74% - 5.74% |
| Used Auto 2019-2015 | Up to 60 Months | As low as 6.49% - 6.99% |
| Used Auto 2014- | Up to 36 Months | As low as 7.99% |
| Recreational | Up to 120 Months | As low as 7.00% - 8.25% |
| Personal | Up to 36 Months | As low as 10.49% |
| 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 6.00% |
| Fixed Rate 1st Mortgage Unimproved Property/Land |
Up to 12 Years | As low as 7.25% |
| Adjustable Rate 1st Mortgage Fixed for 7 years, then adjustable annually |
7 Years / 30 Year Amortization | As low as 6.25% |
| 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% |
| Adjustable Rate Construction Line of Credit Construction of or renovation to primary residence |
Up to 12 months | 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.