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APY = Annual Percentage Yield. Rates effective as of May 31, 2019. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Rate APY
0 - $10,000 2.95% 3.00%
$10,000+ 0.24% 3.00%-0.50%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning your rewards is as easy as doing the banking activities you already do. 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 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

So easy. 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!

Kasasa Saver* Learn More

Balance Rate APY
0 - $20,000 0.99% 1.00%
$20,000+ 0.25% 0.37%
All balances if qualifications not met 0.05% 0.05%

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 1 ACH credit or ACH payment transaction
  • At least 12 debit card purchases

That's 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 Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Savings

Savings Rate APY*
Regular Shares 0.100% 0.100%
Penny Savers  0.100% 0.100%
Christmas Club 0.150% 0.160%
Teen Club 0.100% 0.100%

Savings rates effective July 2018

Checking

Account Rate APY* Min Tier
Club 55 0.120% 0.120% 1,000
Advanced Preferred Checking 0.120% 0.120% 1,500

Basic Money Market (Must Be Reg .D & Limited In Transactions) Learn More

Instrument Rate APY* Min Tier Max Tier
 Money Market All Tiers 0.140% 0.150% 500 1,999
 Money Market All Tiers 0.190% 0.200% 2,000 9,999
 Money Market All Tiers 0.210% 0.220% 10,000 49,999
 Money Market All Tiers 0.240% 0.250% 50,000

Certificates of Deposit (CDs) Learn More

Certificates of Deposit Rate APY* Term
3 Month 0.240% 0.0240% 3
6 Month 0.499% 0.500% 6
6 Month - Jumbo 0.599% 0.600% 6
12 Month  0.849% 0.850% 12
12 Month - Jumbo 0.940% 0.940% 12
18 Month 0.949% 0.950% 18
18 Month - Jumbo 1.040% 1.050% 18
24 Month 1.040% 1.050% 24
24 Month - Jumbo 1.140% 1.150% 24
30 Month 1.240% 1.250% 30
30 Month - Jumbo 1.340% 1.350% 30
36 Month 1.340% 1.350% 36
36 Month - Jumbo 1.440% 1.450% 36
48 Month 1.640% 1.650% 48
48 Month - Jumbo 1.700% 1.750% 48
60 Month 1.930% 1.950% 60
60 Month - Jumbo 2.040% 2.060% 60

 

Individual Retirement Accounts (IRAs) Learn More

Instrument Rate APY* Min Tier Max Tier Comments
12 Month IRA 0.849% 0.850% 500 24,999 Jumbo Rates same as above
18 Month IRA 0.949% 0.950% 500 24,999 Jumbo Rates same as above
24 Month IRA 1.040% 1.050% 500 24,999 Jumbo Rates same as above
30 Month IRA 1.240% 1.250% 500 24,999 Jumbo Rates same as above
36 Month IRA 1.340% 1.350% 500 24,999 Jumbo Rates same as above
48 Month IRA 1.640% 1.650% 500 24,999 Jumbo Rates same as above
60 Month IRA 1.930% 1.950% 500 24,999 Jumbo Rates same as above

 

IRA Learn More

Instrument Rate APY* Min Tier
3 Month 0.190% 0.200% 100

*APY = Annual Percentage Yield
All rates are subject to change without notice.

New Auto Loans: Model Years 2017 and Newer Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 2.50%
37 - 48 $5,000 2.75%
49 - 60 $10,000 3.00%
61 - 72 $15,000 3.25%
73 - 84 $20,000 3.50%
85 - 96 $30,000 3.75%

Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value

Used Auto Loans: Model Years 2011 - 2016 Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 3.50%
37 - 48 $5,000 3.75%
49 - 60 $10,000 4.00%
61 - 72 $15,000 4.25%
73 - 84 $20,000 4.50%
85 - 96 $30,000 4.75%

Used Auto Loans: Model Years 2010 and older Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 5.00%
37 - 48 $5,000 5.25%
49 - 60 $10,000 5.50%

Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc. Less than $15,000 Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $500 3.99%
37 - 48 $500 4.24%
49 - 60 $500 4.49%
61 - 72 $500 4.74%
73 - 84 $500 4.99%

Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc. $15,000 or more Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $15,000 4.49%
37 - 60 $15,000 4.74%
61 - 84 $15,000 4.99%
84 - 108 $15,000 5.24%
108 - 120 $15,000 5.49%

Anniversary Loan (Signature) - up to $5,000 Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $5,000 5.50%

Personal Loans (Signature) - under $15,000 Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $250 7.99%
37 - 48 $250 8.49%
49 - 60 $250 8.99%

Personal Loans (Signature) - over $15,000 Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
Up to 36 $15,000 9.49%
37 - 48 $15,000 9.99%
49 - 60 $15,000 10.49%

* Terms may be extended by up to 6 months for members adding Credit Life, Credit Disability,
or GAP to their loan.

Overdraft Line of Credit Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 15.00%

Revolving Line of Credit Learn More

Terms* (in months) Minimum Loan Amount APR** (730+ A+)
N/A $250 15.00%

Opportunity Loan Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
6 $500 N/A
12 $1,000 N/A

Advantage Pay Recovery Learn More

Terms*
in months
Maximum Loan
Amount
APR**
For All
up to 12 months $1,100 12.00%

No Discounts

Share Secured Loan Learn More

Terms*
in months
Minimum Loan Amount

APR** 
730+ A+

up to 144 $250 3.99%

Certificate Secured Loan Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 144 N/A Rate issued at 2% over rate of pledged certificate

Visa® Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 9.99%

Secured Visa Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
N/A $250 9.99%

Home Equity Line of Credit Learn More

Terms*
in months
Minimum Loan
Amount
APR**
730+ A+
up to 240 N/A 5.00%

Ten year draw; ten year payoff
Variable rate can change annually at 2% over prime

Rate Discounts

GAP Insurance 0.50%
Payroll Deduction/ Auto transfer 0.25%
Credit Card 0.25%
Home Banking/Mobile Banking 0.25%
Credit Life and/or Credit Disability Insurance 0.25%

Maximum rate discount of 1% is allowed
Discounts cannot exceed floor rate.

1st Quarter Loan Promotion

$5,000 Personal Loan at 5%
Up to 60 months

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