APY = Annual Percentage Yield. APR = Annual Percentage Yield. Rates effective as of January 1, 2021. Fees may reduce earnings.
| Balance |
Minimum Opening Deposit |
Rate |
APY |
| 0 - $5,000 |
$10 |
2.47% |
2.50% |
| $5,000+ |
$10 |
0.10% |
2.50% to 0.10% |
| 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.
Money Market Share Account
Learn More
| Balance |
APY |
| $2,000 - $24,999 |
0.25% |
| $25,000 - $99,999 |
0.25% |
| $100,000+ |
0.25% |
| Term |
Tier |
APY |
| 6 Months |
$500 - $49,999 |
0.65% |
| 6 Months |
$50,000 - $99,999 |
0.65% |
| 6 Months |
$100,000+ |
0.65% |
| 12 Months |
$500 - $49,999 |
0.75% |
| 12 Months |
$50,000 - $99,999 |
0.75% |
| 12 Months |
$100,000+ |
0.75% |
| 24 Months |
$500 - $49,999 |
0.85% |
| 24 Months |
$50,000 - $99,999 |
0.85% |
| 24 Months |
$100,000+ |
0.85% |
| 36 Months |
$500 - $49,999 |
0.95% |
| 36 Months |
$50,000 - $99,999 |
0.95% |
| 36 Months |
$100,000+ |
0.95% |
| 48 Months |
$500 - $49,999 |
1.05% |
| 48 Months |
$50,000 - $99,999 |
1.05% |
| 48 Months |
$100,000+ |
1.05% |
All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. 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 |
| Term |
Tier |
APY |
| 6 Months |
$500 - $49,999 |
0.65% |
| 6 Months |
$50,000 - $99,999 |
0.65% |
| 6 Months |
$100,000+ |
0.65% |
| 12 Months |
$500 - $49,999 |
0.75% |
| 12 Months |
$50,000 - $99,999 |
0.75% |
| 12 Months |
$100,000+ |
0.75% |
| 24 Months |
$500 - $49,999 |
0.85% |
| 24 Months |
$50,000 - $99,999 |
0.85% |
| 24 Months |
$100,000+ |
0.85% |
| 36 Months |
$500 - $49,999 |
0.95% |
| 36 Months |
$50,000 - $99,999 |
0.95% |
| 36 Months |
$100,000+ |
0.95% |
| 48 Months |
$500 - $49,999 |
1.05% |
| 48 Months |
$50,000 - $99,999 |
1.05% |
| 48 Months |
$100,000+ |
1.05% |
*All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500. 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 |
Loans
Current loan interest rates effective 4/1/2020 until further notice. All loan rates are quoted using Annual Percentage Rate - APR. Extended terms available with rate pricing adjustment.
Home Loans
Rates subject to change. APR=Annual Percentage Rate. Max limit on HELOC is $100,000. Max limit on Express Home Improvement is $25,000.
Home Equity Loan
| Term |
Rate |
APR |
| 7 yr. Fixed |
2.50% |
2.592% |
| 10 yr. Fixed |
2.75% |
2.816% |
| 15 yr. Fixed |
3.00% |
3.046% |
| 20 yr. Fixed |
3.25% |
3.286% |
