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APY = Annual Percentage Yield. Rates effective as of June 15, 2019. Fees may reduce earnings.

Free Kasasa Cash Checking* Learn More

Tier Minimum Opening Deposit Dividend Rate APY
0 - $5,000 $10 1.98% 2.00%
$5,000+ $10 0.20% 2.00% to 0.29%
All balances if qualifications not met $10 0.01% 0.01%

Qualifications

It's so easy to qualify, you're probably already doing it! 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 agree to receive e-statements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!

*Recurring payments from your debit card are not used in calculating the total number of debit swipes.

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® 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 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.

Checking And Savings

Account Minimum Opening Deposit APY
Share Savings1 $10 0.25%
Christmas Club $10 0.25%
Premier Checking $10 0.05%
Member's Advantage Checking $10 0.05%
Regular Checking $100 0.05%
Free 2 Be Student Checking $10 0.05%

$1.00 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%

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%
Free 2 Be Investment $50 0.40%

Credit Cards Learn More

Listed APR is AS LOW AS and is based on credit qualification.

Type APR Minimum Payment
Visa Classic 10.75% 2% Of Total Balance or $25 Whichever is greater
Visa Gold 8.75% 2% Of Total Balance or $25 Whichever is greater

These APRs will vary with the market based on the Prime Rate (as of 11/05/2019)

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 2.29%
Up to 36 Months 2.49%
Up to 48 Months 2.69%
Up to 60 Months 2.99%
Up to 72 Months 3.29%
Up to 84 Months 4.29%

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 2.29%
Up to 36 Months 2.49%
Up to 48 Months 2.69%
Up to 60 Months 2.99%
Up to 72 Months 3.29%
Up to 84 Months 4.29%

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 7.50%
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 3.79%
Up to 36 Months 3.99%
Up to 48 Months 4.29%
Up to 60 Months 4.29%

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 3.79%
Up to 36 Months 3.99%
Up to 48 Months 4.29%
Up to 60 Months 4.29%
Up to 72 Months 4.69%
Up to 84 Months 5.59%
Up to 92 Months 6.49%
Up to 120 Months 7.49%

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 5.90%