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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of June 1, 2018. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $50 2.01% 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 Learn More

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

Kasasa Saver* Learn More

Balance Rate APY
$0 - $10,000 0.50% 0.50%
$10,000+ 0.25% 0.25%
All balances if 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.

Savings Accounts

Account Balance Minimum Required Opening Deposit Rate APY
Membership Savings All balances $5 0.10% 0.10%
Youth Savings All balances N/A 0.25% 0.25%
Christmas Club All balances N/A 0.20% 0.20%
Health Savings Account (HSA)* 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.

Standard Share Certificates Learn More

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% 

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

190-day dividend penalty may be imposed for early withdrawal.

Jumbo Share Certificates Learn More

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.

190-day dividend penalty may be imposed for early withdrawal.

Super Shares Account Learn More

Balance 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%
$250,000+ 0.50%

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

Traditional and Roth IRAs Learn More

Product Minimum Balance APY3
IRA Savings1 $5 0.25%
12 Month IRA Certificate2 $500 0.70%
24 Month IRA Certificate2 $500 1.00%
36 Month IRA Certificate2 $500 1.26%
60 Month IRA Certificate2 $500 1.87%

1A 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.

210-day grace period after maturity date to make any penalty-free changes to certificate.

390-day dividend penalty for early withdrawal.

Auto Loans Learn More

Product Term APR
2014 - 2019 Auto Secured 36 Months 3.49% - 15.40%
2014 - 2019 Auto Secured 48 Months 3.90% - 15.60%
2014 - 2019 Auto Secured 60 Months 4.15% - 15.80%
2014 - 2019 Auto Secured 72 Months 4.70% - 8.60%
2013 & Older Used Auto Secured 36 Months 3.90% - 15.40%
2013 & Older Used Auto Secured 48 Months 4.15% - 15.45%
2013 & Older Used Auto Secured 60 Months 4.49% - 15.49% 

Recreational Vehicle Loans Learn More

Product Term APR
2015 - 2019 Boat / Camper / Motorcycle / ATV 36 Months 7.00% - 16.00%
2015 - 2019 Boat / Camper / Motorcycle / ATV 48 Months 7.25% - 16.25%
2015 - 2019 Boat / Camper / Motorcycle / ATV 63 Months 7.50% - 16.50%
2015 - 2019 Boat / Camper / Motorcycle / ATV 75 Months 7.75% - 16.75%
2014 & Olde rBoat / Camper / Motorcycle / ATV 36 Months 8.00% - 17.00%
2014 & Older Boat / Camper / Motorcycle / ATV 48 Months 8.25% - 17.25%
2014 & Older Boat / Camper / Motorcycle / ATV 63 Months 8.50% - 17.50% 

Personal Loans Learn More

Product Term APR
Miscellaneous Collateral Loan (e.g. Computers & Lawn Mowers) Up to 60 Months 8.49% - 18.00%
Signature Loan 36 Months* 8.50% - 18.00%
Signature Loan 60 Months* 9.25% - 13.25%

*Up to $5000

Share Secured Loans Learn More

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

Home Equity Loans Learn More

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

Credit Cards Learn More

Product Term APR
MasterCard Credit Card N/A 10.49% - 16.49%
MasterCard Platinum Credit Card N/A 10.49% - 16.49%