APY = Annual Percentage Yield. APR = Annual Percentage Yield. Rates are effective as of 8/1/2022. Fees may reduce earnings.

Loans

Loan Terms APR
New & Used Autos 2021 and newer up to 72 months; 2018 - 2020 up to 60 months; 2017 and older up to 48 months as low as 4.74%*
Motorcycles up to 48 months as low as 9.49%
New Boats up to 60 months as low as 9.49%
Used Boats up to 48 months as low as 9.49%
ATVs   as low as 10.50%
Share Secured Loans   2.50%
Share Certificate Loans   2.00% above certificate rate
Signature Loans   as low as 11.49%
Visa Credit Card   as low as 9.00%

*Current loan interest rates effective 11/1/2022 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.

Home Loans

Product Term Rate APR
Conventional 15 yr. Fixed 6.500% 6.983%
Conventional 30 yr. Fixed 7.125% 7.456%
FHA 30 yr. Fixed 7.125% 8.284%
VA 30 yr. Fixed 7.125% 7.489%
Home Equity Line of Credit   6.25%  
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
7 yr. Fixed Call for rate
10 yr. Fixed Call for rate
15 yr. Fixed Call for rate
20 yr. Fixed Call for rate

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 0.40%
$25,000 - $99,999 0.40%
$100,000+ 0.40%

Certificates Learn More

Term Tier  APY  
CD Special - 24 Months $25,000+ 3.20%
6 Months $500 - $100,000+ 1.50%
12 Months                  $500 - $100,000+ 1.80%
24 Months $500 - $100,000+ 2.25%
36 Months $500 - $100,000+ 2.40%
48 Months $500 - $100,000+ 2.50%

All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500 unless otherwise stated.  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  
CD Special - 24 Months $25,000+ 3.20%
6 Months $500 - $100,000+ 1.50%
12 Months                  $500 - $100,000+ 1.80%
24 Months $500 - $100,000+ 2.25%
36 Months $500 - $100,000+ 2.40%
48 Months $500 - $100,000+ 2.50%

*All certificate dividends are compounded monthly. Rates shown are APY (Annual Percentage Yield). Unless otherwise indicated, minimum amount for certificates is $500 unless otherwise stated.  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