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 | 0.025% | 0.025% |
| Penny Savers | 0.025% | 0.025% |
| Christmas Club | 0.120% | 0.120% |
| Teen Club | 0.025% | 0.025% |
Savings rates effective September 28, 2021
Checking
| Account | Rate | APY* | Min Tier |
|---|---|---|---|
| Club 55 | 0.050% | 0.050% | 1,000 |
| Advanced Preferred Checking | 0.050% | 0.050% | 1,500 |
Checking rates effective January 1, 2021
Basic Money Market (Must Be Reg .D & Limited In Transactions) Learn More
| Instrument | Rate | APY* | Min Tier | Max Tier |
|---|---|---|---|---|
| Money Market All Tiers | 0.120% | 0.120% | 500 | 1,999 |
| Money Market All Tiers | 0.240% | 0.240% | 2,000 | 9,999 |
| Money Market All Tiers | 0.320% | 0.320% | 10,000 | 49,999 |
| Money Market All Tiers | 0.350% | 0.350% | 50,000 |
Rates effective November 2, 2022
Certificates of Deposit (CDs) Learn More
| Certificates of Deposit | Rate | APY* | Term | |
|---|---|---|---|---|
| 3 Month | 0.400% | 0.400% | 3 | |
| 6 Month | 1.800% | 1.820% | 6 | |
| 6 Month - Jumbo | 1.900% | 1.910% | 6 | |
| 12 Month | 2.140% | 2.170% | 12 | |
| 12 Month - Jumbo | 2.150% | 2.170% | 12 | |
| 18 Month | 2.150% | 2.170% | 18 | |
| 18 Month - Jumbo | 2.160% | 2.180% | 18 | |
| 24 Month | 2.160% | 2.180% | 24 | |
| 24 Month - Jumbo | 2.170% | 2.190% | 24 | |
| 30 Month | 2.170% | 2.190% | 30 | |
| 30 Month - Jumbo | 2.180% | 2.200% | 30 | |
| 36 Month | 2.180% | 2.200% | 36 | |
| 36 Month - Jumbo | 1.190% | 2.210% | 36 | |
| 48 Month | 2.190% | 2.210% | 48 | |
| 48 Month - Jumbo | 2.290% | 2.310% | 48 | |
| 60 Month | 2.250% | 2.270% | 60 | |
| 60 Month - Jumbo | 2.350% | 2.380% | 60 |
Rates effective January 3, 2023
Individual Retirement Accounts (IRAs) Learn More
| Instrument | Rate | APY* | Min Tier | Max Tier | Comments |
|---|---|---|---|---|---|
| 12 Month IRA | 0.450% | 0.450% | 500 | 24,999 | Jumbo Rates same as above |
| 18 Month IRA | 0.500% | 0.500% | 500 | 24,999 | Jumbo Rates same as above |
| 24 Month IRA | 0.600% | 0.600% | 500 | 24,999 | Jumbo Rates same as above |
| 30 Month IRA | 0.700% | 0.700% | 500 | 24,999 | Jumbo Rates same as above |
| 36 Month IRA | 0.800% | 0.800% | 500 | 24,999 | Jumbo Rates same as above |
| 48 Month IRA | 0.850% | 0.850% | 500 | 24,999 | Jumbo Rates same as above |
| 60 Month IRA | 0.950% | 0.950% | 500 | 24,999 | Jumbo Rates same as above |
IRA Learn More
| Instrument | Rate | APY* | Min Tier |
|---|---|---|---|
| Savings | 0.150% | 0.150% | 100 |
*APY = Annual Percentage Yield
All rates are subject to change without notice.
New Auto Loans Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 5.25% |
| 37 - 48 | $5,000 | 5.25% |
| 49 - 60 | $10,000 | 5.25% |
| 61 - 72 | $15,000 | 6.25% |
| 73 - 84 | $20,000 | 6.50% |
| 85 - 96 | $30,000 | 6.75% |
Loan value for New Auto based on MSRP
Loan value for Used Autos based on NADA Clean Retail Value
NO PAYMENTS DUE FOR 90 DAYS
Effective April 3, 2023
Used Auto Loans Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 6.00% |
| 37 - 48 | $5,000 | 6.00% |
| 49 - 60 | $10,000 | 6.00% |
| 61 - 72 | $15,000 | 6.25% |
| 73 - 84 | $20,000 | 6.50% |
| 85 - 96 | $30,000 | 7.00% |
NO PAYMENTS DUE FOR 90 DAYS
Effective April 3, 2023
Older Used Auto Loans Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 36 | $500 | 7.00% |
| 37 - 48 | $5,000 | 7.25% |
| 49 - 60 | $10,000 | 7.50% |
Effective April 3, 2023
New Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc. Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 60 | $500 | 6.00% |
| 61-120 | $15,000 | 7.00% |
| 121-180 | $30,000 | 7.75% |
| Up to 60 | $50,001 | 6.00% |
| 61-120 | $65,000 | 7.00% |
Rates effective April 3, 2023
Used Recreational Vehicle Loans: Boats, RVs, Motor Homes, Jet Skis, Motorcycles, Etc. Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 60 | $500 | 6.25% |
| 61- 120 | $15,000 | 7.25% |
| 121-144 | $20,000 | 7.50% |
| 61-120 | $40,000 | 7.25% |
| 121-144 | $50,000 | 7.50% |
Rates effective April 3, 2023
Personal Loans (Signature) - over $5,000 and under $15,000 Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 36 | $250 | 7.99% |
| 37 - 48 | $250 | 8.99% |
| 49 - 60 | $250 | 9.99% |
Rates effective April 3, 2023
Personal Loans (Signature) - over $15,000 Learn More
| Terms* in months |
Minimum Loan Amount |
APR** 730+ A+ |
|---|---|---|
| Up to 36 | $15,000 | 9.00% |
| 37 - 48 | $15,000 | 10.00% |
| 49 - 60 | $15,000 | 11.00% |
Rates effective April 3, 2023
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** |
|---|---|---|
| up to 144 | $250 | 4.00% |
Rates effective April 3, 2023
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 | 8.00% |
Ten year draw; ten year payoff
Variable rate can change annually at 2% over prime
Effective April 3, 2023
Rate Discounts
| GAP Insurance | 0.50% |
|---|---|
| Payroll Deduction/ Auto transfer | 0.25% |
| Credit Card | 0.50% |
| SecurLock | 0.50% |
| NEW KASASA Checking | 0.50% |
Maximum rate discount of 1% is allowed
Discounts cannot exceed floor rate.