APY = Annual Percentage Yield. Rates are effective as of March 23, 2023. Fees may reduce earnings.
Free Kasasa Saver* Learn More
| Tier | Dividend Rate | APY |
|---|---|---|
| 0 - $5,000 | 0.30% | 0.30% |
| $5,000+ | 0.20% | 0.30% to 0.20% |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for your 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 Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
That's really it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on your Kasasa Saver balance. And you can get right back to earning your full rewards the very next cycle that you qualify.
*Recurring payments from your debit card are not used in calculating the total number of debit swipes.
Savings
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Share Savings1 | $10 | 0.25% |
| Christmas Club | $10 | 0.25% |
1 $5.00 Membership fee required
Certificates Learn More
| Term | Minimum Opening Deposit | APY* |
|---|---|---|
| 91 Day Certificate | $1,000 | 0.15% |
| 6 Month Certificate | $1,000 | 0.15% |
| 12 Month Certificate | $1,000 | 0.35% |
| 18 Month Certificate | $1,000 | 0.40% |
| 24 Month Certificate | $1,000 | 0.50% |
| 24 Month Pro Certificate | $1,000 | 0.50% |
| 30 Month Certificate | $1,000 | 0.60% |
| 36 Month Certificate | $1,000 | 0.70% |
| 48 Month Certificate | $1,000 | 0.75% |
Certificate Specials
| Term | Minimum Opening Deposit | APY* |
| 8 Month Special | $1,000 | 5.00% |
| 12 Month Special | $1,000 | 1.25% |
| 18 Month Special | $1,000 | 2.00% |
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
As required by federal regulations, there is a substantial penalty for early withdrawals. 91 day, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
IRAs Learn More
| Term | Minimum Opening Deposit | APY |
|---|---|---|
| 6 Month IRA Certificate | $1,000 | 0.15% |
| 12 Month IRA Certificate | $1,000 | 0.35% |
| 18 Month IRA Certificate | $1,000 | 0.40% |
| 24 Month IRA Certificate | $1,000 | 0.50% |
| 30 Month IRA Certificate | $1,000 | 0.60% |
| 36 Month IRA Certificate | $1,000 | 0.70% |
| 48 Month IRA Certificate | $1,000 | 0.75% |
| IRA Share Account | $500 | 0.25% |
As required by federal regulations, there is a substantial penalty for early withdrawals. 91 day, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Investment Accounts
| Account | Minimum Opening Deposit | APY |
|---|---|---|
| Mutual Asset Management Account (MAMA) | $2,500 | 0.40% |
| Premier Money Market Account (Tiered Rate Account) |
$2,500 - $149,999.99 |
0.40% |
|
|
$150,000 - $249,999.99 |
1.50% |
|
|
$250,000 & Greater |
2.50% |
Credit Cards Learn More
Listed APR is AS LOW AS and is based on credit qualification.
| Type | APR | Minimum Payment |
|---|---|---|
| Visa Platinum | WSJP + 4% | 2% Of Total Balance or $25 Whichever is Greater |
| Visa Rewards | WSJP + 7% | 2% Of Total Balance or $25 Whichever is Greater |
These APRs will vary with the market based on the Wall Street Journal Prime Rate
APR = Annual Percentage Rate
New Vehicle Loans Learn More
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
| Terms | APR |
|---|---|
| Up to 24 Months | 5.19% |
| Up to 36 Months | 5.19% |
| Up to 48 Months | 5.29% |
| Up to 60 Months | 5.49% |
| Up to 72 Months | 5.69% |
| Up to 84 Months | 5.99% |
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral.
APR = Annual Percentage Rate
Used Vehicle Loans Learn More
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
| Terms | APR |
|---|---|
| Up to 24 Months | 5.19% |
| Up to 36 Months | 5.19% |
| Up to 48 Months | 5.29% |
| Up to 60 Months | 5.49% |
| Up to 72 Months | 5.69% |
| Up to 84 Months | 5.99% |
Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral.
APR = Annual Percentage Rate
Personal Loans Learn More
Listed APR is AS LOW AS and is based on credit qualification. Your rate may be different than the rate listed.
| Loan | Terms | APR |
|---|---|---|
| Personal Signature Loan | Up to 72 Months | 10.99% |
| Share Secured | Up to 100% of Secured Amount | Share dividend rate + 3.00% |
Motorcycles (New & Used) And ATVs (New & Used) Learn More
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
| Terms | APR |
|---|---|
| Up to 24 Months | 7.39% |
| Up to 36 Months | 7.39% |
| Up to 48 Months | 7.39% |
| Up to 60 Months | 7.59% |
Watercraft (New & Used) And RVs (New & Used) Learn More
Rates may change based on credit qualifications and age of collateral. Your rate may be different than the rate listed.
| Terms | APR |
|---|---|
| Up to 24 Months | 6.39% |
| Up to 36 Months | 6.39% |
| Up to 48 Months | 6.39% |
| Up to 60 Months | 6.49% |
| Up to 72 Months | 6.59% |
| Up to 84 Months | 6.79% |
| Up to 96 Months | 6.99% |
| Up to 120 Months | 7.29% |
Home And Land Loans Learn More
Listed APR is AS LOW AS and is based on credit qualification.
| Loan | Terms | APR |
|---|---|---|
| Home Equity Line of Credit | Rates as low as Wall Street Journal Prime Rate Plus 0%. Based on credit qualification. | As low as Wall Street Prime Rate + 0% |
| Mobile Home (New or Used) | Up to 120 Months | 10.75% |
| First and Second Mortgages | We offer a wide range of mortgage products. Ask us how we can help you find the right loan to fit your needs. | Rates fluctuate, see our mortgage specialist for details. |
| Land | Up to 180 Months | 8.30% |