Help your teen stay in check — and get cash
A lesson learned is money earned. Really! Teach them the banking basics with this hands-on account.
Benefits You’ll Love
- Exclusive to student members ages 13 to 20
- Earn cash back on debit card purchases
- No monthly service fee or minimum balance requirements
- Includes free digital banking
- Exclusive checking for members between 13-20 years of age
- Free Visa® debit card that earns you rewards
- Earn $0.25 for every $10 purchase (max. reward of $5)
- Four debit card options to choose from
- Manage your debit card with the SecurLOCK Equip app
- No monthly account or maintenance fees
- No overdrafts
- No minimum balance requirement
- Free digital banking services, including:
- Free online banking
- Free mobile banking with mobile deposit
- Free eStatements
- Free digital wallet
- $15 minimum deposit to open ($5.00 savings/$10.00 checking)*
*A minimum deposit of $15.00 is required ($5.00 savings/$10.00 checking). Student Debit account is for members 13-20 years of age only. Student Debit account is a free account (no minimum balance requirement, no monthly account or maintenance fees). Should a joint owner be required, the responsible party must be a USEFCU member in good standing. To manage debit card, visit Google Play or the App Store for a free download of SecurLOCK Equip app. Additional conditions may apply. Cash rewards are earned at a rate of $0.25 per $10.00 purchase during the monthly statement cycle with a maximum monthly earned reward of $5.00. Monthly rewards will post within the first week of the following month. USEFCU is federally insured by NCUA.
Use this calculator to determine your projected earnings from our Free Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates
| Term | Tier | APY |
|---|---|---|
| CD Special - 6 Months | $25,000+ | 4.75% |
| CD Special - 12 Months | $25,000+ | 5.00% |
| 6 Months | $500 - $100,000+ | 3.00% |
| 12 Months | $500 - $100,000+ | 3.25% |
| 24 Months | $500 - $100,000+ | 2.80% |
| 36 Months | $500 - $100,000+ | 2.90% |
| 48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 12/1/2023. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
Home Equity Loans
| Term | Rate |
|---|---|
| 7 yr. Fixed | Call for rate |
| 10 yr. Fixed | Call for rate |
| 15 yr. Fixed | Call for rate |
| 20 yr. Fixed | Call for rate |
Home Loans
| Product | Term | Rate | APR |
|---|---|---|---|
| Conventional | 15 yr. Fixed | 6.375% | 6.741% |
| Conventional | 30 yr. Fixed | 6.875% | 7.203% |
| FHA | 30 yr. Fixed | 6.625% | 7.775% |
| VA | 30 yr. Fixed | 6.625% | 6.978% |
| Home Equity Line of Credit | Contingent on loan amount | 8.50% | |
| Express Home Improvement | $10,000 = 10 yr. ; $10,001 - $25,000 = 15 yr. | 6.99% | |
| Nonsalable | 15 yr. | Call for rate | |
| Nonsalable | 20 yr. | Call for rate | |
| Salable | 15 yr. | Call for rate | |
| Salable | 20 yr. | Call for rate |
Rates subject to change. APR=Annual Percentage Rate. Max limit on HELOC is $100,000. Max limit on Express Home Improvement is $25,000.
IRA Certificates
| Term | Tier | APY |
|---|---|---|
| CD Special - 6 Months | $25,000+ | 4.75% |
| CD Special - 12 Months | $25,000+ | 5.00% |
| 6 Months | $500 - $100,000+ | 3.00% |
| 12 Months | $500 - $100,000+ | 3.25% |
| 24 Months | $500 - $100,000+ | 2.80% |
| 36 Months | $500 - $100,000+ | 2.90% |
| 48 Months | $500 - $100,000+ | 3.00% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. Rates are effective as of 12/1/2023. Fees may reduce earnings. For all accounts, the amount of the early withdrawal penalty for your accounts is based on the term of your account. The penalty schedule is as follows:
| 6 Month Terms | 90 days' dividends |
| 12/24 Month Terms | 180 days' dividends |
| 36/48 Month Terms | 360 days' dividends |
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $5,000 | $10 | 5.84% | 6.00% |
| $5,000+ | $10 | 0.10% | 6.00% to 0.38% |
| All balances if qualifications not met | $10 | 0.01% | 0.01% |
Qualifications
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 with minimum POS of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next month.
Kasasa Saver
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $25,000 | 2.00% | 2.00% |
| $25,000+ | 0.10% | 0.10% |
| 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 with a minimum POS transaction of $1
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
If you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you will still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Loans
| Loan | Terms | APR |
|---|---|---|
| New & Used Autos | 2022 and newer up to 72 months; 2019 - 2021 up to 60 months; 2018 and older up to 48 months |
as low as 7.24% |
| Motorcycles | up to 48 months | as low as 11.74% |
| New Boats | up to 60 months | as low as 11.74% |
| Used Boats | up to 48 months | as low as 11.74% |
| ATVs | up to 48 months | as low as 12.75% |
| Share Secured Loans | up to 60 months | 3.75% |
| Share Certificate Loans | Equal to term of certificate | 3.75% above certificate rate |
| Signature Loans | Contingent on loan amount | as low as 11.49% |
*Current loan interest rates effective 12/1/2023 until further notice. Auto loan rate quoted is our pre-approval rate. All loan rates are quoted using Annual Percentage Rate - APR. Extended terms available with rate pricing adjustment.
Money Market Share Account
| Balance | APY |
|---|---|
| $2,000 - $24,999 | 0.70% |
| $25,000 - $99,999 | 0.70% |
| $100,000+ | 0.70% |
Personal Credit Cards
| Loan | APR | |
|---|---|---|
| Platinum Rewards | 14.50% or 16.50% (variable) | |
| Platinum |
11.50% or 14.50% (variable) |
The above rates for our Platinum and Platinum Rewards credit cards will vary based on the Prime Rate. Rates are subject to change.
Share Accounts
| Account | APY |
|---|---|
| Free Checking | 0.00% |
| Savings Account | 0.25% |
