Skip to content

APY = Annual Percentage Yield. Rates effective as of January 19, 2023. Fees may reduce earnings.

Free Kasasa Cash Checking* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $50 2.95% 3.00%
$10,000+ $50 0.25% 3.00% to 0.50%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications to Earn Rewards

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
  • Be enrolled in and agree to recieve e-statements
  • Be denrolled in and log into online banking

But if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Free Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $50 0.75% 0.75%
$10,000+ $50 0.25% 0.75% to 0.30%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log in to online banking

But if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Loan Rates Learn More

Loan Type Estimated Repayment Period   Annual Percentage Rate(Low)     Annual Percentage Rate (High)
Personal Line of Credit     13.24%     18.00%
Personal Loan  Up to 60 Months   13.24%     18.00%
New Autos 60 Months   4.99%     18.00%
New Autos 66 Months   4.99%     18.00%
New Autos 72 Months   4.99%     18.00%
New Autos 84 Months   4.99%     18.00%
Used Autos 60 Months   5.99%     18.00%
Used Autos 66 Months   6.99%     18.00%
Used Autos 72 Months   6.99%     18.00%
Used Autos 84 Months   6.99%     18.00%
RV/Campers Up to 180 Months   from 7.74%     18.00%
Boats Up to 180 Months   from 6.74%     18.00%
ATV/Jet Ski/Golf Cart/Side by Side/Motorcycle Up to 60 Months   from 4.99%     18.00%
Farm Tractor/Equipment Up to 84 Months   from 7.99%     18.00%
Other Collateral Up to 60 Months   from 12.99%     18.00%

Shared Secured*

Up to 36 Months

37-60 Months
  4.50%

4.75%
    4.75%
Certificate Secured** Up to 60 Months   Rate plus 2.00%      
             
Home Equity Line of Credit**** Up to 180 Months   Prime Rate -Floor 8.50%     18.00%

 

*Share Secured – The Annual Percentage Rate (APR) for share secured advances will be the dividend rate being paid on regular shares (index) on the date of the advance plus a margin of 2.00% with a floor of 4%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new Annual Percentage Rate (APR). The rates are subject to change quarterly on the first day of January, April, July, and October to reflect any change in the index. Any increase or decrease in the APR will take the form of more or fewer payments of the same amount until what you owe has been repaid.

**Certificate Secured – The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security (index) plus a margin of 2.00% with a floor of 4%. The certificate must be renewed until the advance is completely paid. Failure to renew the certificate will result in default under the Plan. When the certificate is renewed the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe has been paid.

****HELOCs – Your Annual Percentage Rate (APR) may differ from the one shown and will be based on your credit worthiness and loan to value. The rate is variable and may change. Rate may not exceed 18% at any time. Terms, rates, and conditions are subject to change without notice. No closing costs offer may be withdrawn without notice. Maximum loan amount is 80% of LTV.

Collection Costs: You agree to pay for all costs of collection, including court cost and attorneys’ fees not in excess of 15% of the unpaid debt, if any sums owing are collected by or through an attorney as well as any late charges that may be imposed.

Late Charge: 5% of the regular payment.

The minimum monthly payment is based upon the outstanding balance as of the most recent advance based on the estimated term of the loan and the ANNUAL PERCENTAGE RATE in effect on the day the advance is made. The minimum payment will never be less than $40.00 per month for any loan. The payment, once determined, does not change as the outstanding balance declines. If the outstanding balance is less than the stated payment, then the monthly payment is the amount of the outstanding balance plus accrued interest to date.

THE FOLLOWING LOAN TYPES ARE AVAILABLE UNDER THIS AGREEMENT AS OF THE DATE YOU ESTABLISH YOUR SIMPLIFIED LOAN PROGRAM AGREEMENT, AVAILABLE LOAN TERMS AND INTEREST RATES MAY BE DIFFERENT WHEN YOU APPLY FOR A FUTURE LOAN ADVANCE.

INDIVIDUAL LOAN RATES ARE BASED ON CREDIT QUALITY AS DETERMINED BY OUR LOAN APPROVAL CRITERIA. RATES DISCLOSED ARE OUR LOWEST AND HIGHEST RATES.

*Program, rates, terms and conditions are subject to change without notice. Applicants are subject to credit approval. Some restrictions apply.  Loan Rates are as of March 27, 2023.

Share Rates Learn More

Account Type Minimum Opening Deposit Minimum Balance to Earn APY Limitations Apply Dividend Rate Annual Percentage Yield
Regular Shares $25 $100 Transfer 0.25% 0.25%
Christmas Club $25 $100 Transfer 0.20% 0.20%

 

Dividends will be compounded quarterly and will be credited quarterly.

IRA Regular Shares Learn More

Account Type Minimum Opening Deposit Minimum Balance to Earn APY Limitations Apply Dividend Rate Annual Percentage Yield
up to $5,000 $25 $100 Transfer 0.15% 0.15%
$5,000 - $10,000 $25 $100 Transfer 0.30% 0.30%
over $10,000 $25 $100 Transfer 0.50% 0.50%

Dividends will be compounded quarterly and will be credited quarterly.

Money Market Accounts Learn More

Account Type Minimum Opening Deposit Minimum Balance to Earn APY Limitations Apply Dividend Rate Annual Percentage Yield
$2,500 - $9,999 $2,500 $2,500 Transfer & Withdrawal 0.90% 0.90%
$10,000 - $24,999 $2,500 $2,500 Transfer & Withdrawal 0.90% 0.90%
$25,000 - $49,999 $2,500 $2,500 Transfer & Withdrawal 0.90% 0.90%
$50,000 & over $2,500 $2,500 Transfer & Withdrawal 1.10% 1.11%

 

Dividends will be compounded monthly and will be credited monthly.

Share and IRA Certificates – $500 Minimum Investment Learn More

Rates and other terms may change at any time without prior notice. *$500.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account.

  • Dividends will be compounded quarterly and will be credited quarterly.
  • If you close your share account before dividends are paid, you will not receive the accrued dividends.
Terms Dividend Rate Annual Percentage Yield
6 Months Base Rate 3.75% 3.80%
1 Year Base Rate 5.20% 5.30%
18 Months Base Rate 1.10% 1.10%
2 Year Base Rate 1.15% 1.15%
3 Year Base Rate 1.25% 1.26%
4 Year Base Rate 1.35% 1.36%
5 Year Base Rate 1.45% 1.46%