APY = Annual Percentage Yield. APR = Annual Percentage Yield. Rates effective as of June 1, 2020. Fees may reduce earnings.

Kasasa Cash* Learn More

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.

Share Accounts

Account APY
Share Draft Accounts 0.00%
Share Savings Account 0.10%

Money Market Share Account Learn More

Balance APY
$2,000 - $24,999 0.25%
$25,000 - $99,999 0.25%
$100,000+ 0.25%

Certificates Learn More

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 0.85%
12 Months $50,000 - $99,999 0.85%
12 Months $100,000+ 0.85%
24 Months $500 - $49,999 0.90%
24 Months $50,000 - $99,999 0.90%
24 Months $100,000+ 0.90%
36 Months $500 - $49,999 1.00%
36 Months $50,000 - $99,999 1.00%
36 Months $100,000+ 1.00%
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

IRA Certificates Learn More

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 0.85%
12 Months $50,000 - $99,999 0.85%
12 Months $100,000+ 0.85%
24 Months $500 - $49,999 0.90%
24 Months $50,000 - $99,999 0.90%
24 Months $100,000+ 0.90%
36 Months $500 - $49,999 1.00%
36 Months $50,000 - $99,999 1.00%
36 Months $100,000+ 1.00%
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

Loan Terms APR
New & Used Autos 2019 and newer up to 72 months; 2016 - 2018 up to 60 months; 2015 and older up to 48 months as low as 3.24%
Motorcycles up to 48 months as low as 7.74%
New Boats up to 60 months as low as 7.74%
Used Boats up to 48 months as low as 7.74%
ATVs   as low as 8.75%
Share Secured Loans   2.00%
Share Certificate Loans   2.00% above certificate rate
Signature Loans   as low as 10.24%
Lines of Credit   11.50%
Visa Credit Card   as low as 9.00%

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

Product Term Rate APR
Conventional 30 yr. Fixed 2.750% 3.005%
Conventional 15 yr. Fixed 2.375% 2.612%
FHA 30 yr. Fixed 2.875% 3.963%
VA 30 yr. Fixed 2.875% 3.156%
Home Equity Line of Credit   4.75%  
Express Home Improvement   6.99%  

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%