APY = Annual Percentage Yield. APR = Annual Percentage Yield. Rates effective as of January 1, 2021. Fees may reduce earnings.
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% |
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 - $100,000+ |
0.65% |
12 Months |
$500 - $100,000+ |
0.75% |
24 Months |
$500 - $100,000+ |
0.85% |
36 Months |
$500 - $100,000+ |
0.95% |
48 Months |
$500 - $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 - $100,000+ |
0.65% |
12 Months |
$500 - $100,000+ |
0.75% |
24 Months |
$500 - $100,000+ |
0.85% |
36 Months |
$500 - $100,000+ |
0.95% |
48 Months |
$500 - $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 |