Rates

Rates effective as of August 17th, 2017.

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened.

Kasasa Cash®*

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 signature-based 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!

 

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Kasasa Saver®*

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 signature-based 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.

 

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Checking and Savings

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

$1.00 Membership fee required

Investment Accounts

Account Minimum Opening Deposit APY
Mutual Asset Management Account (MAMA) $2,500 0.40%
Free 2 Be Investment $50 0.40%

Certificates

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.

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IRAs

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.

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New Vehicle Loans

Rates may change based on credit qualifications and age of collateral. 

Terms APR
Up to 60 Months 1.99%
Up to 72 Months 2.69%
Up to 84 Months 3.69%
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Used Vehicle Loans

Rates may change based on credit qualifications and age of collateral. 

Terms APR
Up to 60 Months 1.99%
Up to 72 Months 2.69%
Up to 84 Months 3.69%

Credit Cards

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

Type APR Minimum Payment
Visa Classic Wall Street Journal Prime Rate Plus 6% 2% Of Total Balance or $25 Whichever is greater
Visa Gold Wall Street Journal Prime Rate Plus 4% 2% Of Total Balance or $25 Whichever is greater
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Personal Loans

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

Loan Terms APR
Personal Signature Loan Up to 72 Months 7.99%
Share Secured Up to 100% of Secured Amount Share dividend rate + 3.00%
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Motorcycles (New & Used) and ATVs (New & Used)

Rates may change based on credit qualifications and age of collateral. 

Terms APR
Up to 24 Months 2.99%
Up to 36 Months 3.19%
Up to 48 Months 3.49%
Up to 60 Months 3.49%
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Watercraft (New & Used) and RVs (New & Used)

Rates may change based on credit qualifications and age of collateral. 

Terms APR
Up to 24 Months 2.99%
Up to 36 Months 3.19%
Up to 48 Months 3.49%
Up to 60 Months 3.49%
Up to 72 Months 5.99%
Up to 84 Months 6.99%
Up to 92 Months 8.52%
Up to 120 Months 9.97%
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Home and Land Loans

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

Loan Terms APR
Home Equity Line of Credit Rates based on Wall Street Journal Prime Rate Plus 1%. Based on credit qualification. Wall Street Prime Rate + 1%
Mobile Home (New or Used) Up to 120 Months 10.75%
Land Up to 180 Months 6.25%
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.
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