For Your Information

Rates

APY = Annual Percentage Yield. Rates effective as of September 1, 2017. Fees may reduce earnings.

Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $50 2.00% 2.00%
$10,000+ $50 0.41% 2.00% to 0.41%
All balances if qualifications not met $50 0.02% 0.02%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • 12 Debit Card transactions post and settle
  • Enroll and log into online banking
  • Enroll in eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Free Personal Checking

Balance Minimum Required Opening Deposit Rate APY
All balances $5 0.10% 0.10%

Kasasa Saver*

Balance Interest Rate APY
0 - $10,000 0.50% 0.50%
$10,000+ 0.25% 0.25%
Qualifications not met 0.02% 0.02%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases that post and settle
  • Enroll and log into online banking
  • Enroll in eStatements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Membership Savings

Balance Minimum Required Opening Deposit Rate APY
All balances $5 0.10% 0.10%

Youth Savings

Balance Minimum Required Opening Deposit Rate APY
All balances N/A 0.25% 0.25%

Christmas Club Account

Balance Minimum Required Opening Deposit Rate APY
All balances N/A 0.20% 0.20%

Share Certificates

Standard Certificate

Product Minimum Balance APY1
6 Month Certificate $500 0.40%
12 Month Certificate $500 0.70%
24 Month Certificate $500 1.00%

30 Month Certificate $500 1.11%
36 Month Certificate $500 1.26%
60 Month Certificate $500 1.87%

Jumbo Certificate

Product Minimum Balance APY1
1 Year $250,000 0.75%
2 Year $250,000 1.11%

Certificate rates, terms, and conditions are subject to change weekly.

1. 90-day dividend penalty may be imposed for early withdrawal.

Super Shares Account

Amount APY
$1,000* - $24,999.99 0.25%
$25,000 - $49,999.99 0.30%
$50,000 - $74,999.99 0.35%

$75,000 - $99,999.99 0.50%
$100,000 - $249,999.99 0.50%
Over $250,000 0.50%

*If balance falls below $1,000, the remaining balance is transferred to the Membership Savings rate

Health Savings Account (HSA)

Balance Minimum Required Opening Deposit Rate APY
All balances N/A 0.25% 0.25%

No Overdraft Protection Available for Health Savings Accounts. A $30.00 fee will be applied to the account each time a check is returned or the account is overdrawn due to a debit card transaction.

Traditional and Roth IRAs

IRA Savings1

Minimum Balance APY
$5 0.25%

IRA Share Certificate²

Product Minimum Balance APY
12 Month IRA Certificate $500 0.70%
24 Month IRA Certificate $500 1.00%
36 Month IRA Certificate $500 1.26%
60 Month IRA Certificate $500 1.87%
  1. A minimum charge of $10.00 or 1% of the amount withdrawn may be imposed if the account has been opened less than 12 months and is closed.
  2. 10-day grace period after maturity date to make any penalty-free changes to certificate. 
  3. 90-day dividend penalty for early withdrawal.

Auto Loans

Product APR Term
2012-2018 Auto Secured 1.99% to 13.90% 36 Months
2.40% to 13.95% 48 Months
2.65% to 13.99% 60 Months
3.20% to 7.10% 72 Months
2011 & Older Used Auto Secured 2.40% to 13.90% 36 Months
2.65% to 13.95% 48 Months
2.99% to 13.99% 60 Months

Recreational Vehicle Loans

Product APR Term
2015-2017 Boat/Camper/Motorcycle/ATV

5.50% to 14.50% 36 Months
5.75% to 14.75% 48 Months
6.00% to 15.00% 63 Months
6.25% to 15.25% 75 Months
2014 & Older Boat/Camper/Motorcycle/ATV 6.50% to 15.50% 36 Months
6.75% to 15.75% 48 Months
7.00% to 16.00% 63 Months

Miscellaneous Collateral Loans

Product APR Term
Miscellaneous Collateral (e.g. Computers & Lawn Mowers) 6.99% to 18.00% Up to 60 Months

Signature Loans

APR Term
7.00% to 17.00% 36 Months*
7.50% to 11.75% 60 Months*

*Up to $5000

Share Secured Loans

Product APR Term
Share Secured 2.75% Approximately 36 Months
Secured Certificate 2% Over CD Rate; 2.75% Floor Approximately 60 Months

Home Equity

Product APR Term
Home Equity Platinum Card Call For Details Open Ended 

Credit Cards

Product APR Term
MasterCard Credit Card 9.24% to 15.24% N/A
MasterCard Platinum Credit Card 9.24% to 15.24% N/A