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Rates effective as of July 1, 2021. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Kasasa Cash* Learn More

Balance Dividend Rate APY
Balances up to $10,000 2.47% 2.50%
Balances over $10,000 0.25% 2.50% to 0.45%
All balances if qualifications not met 0.05% 0.05%

To earn your 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 receive eStatements
  • Be enrolled and log into online banking

Kasasa Saver* Learn More

Balance Dividend Rate APY
Balances up to $10,000 0.500% 0.500%
Balances over $10,000 0.250% 0.500% to 0.300%
All balances if qualifications not met 0.050% 0.050%

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. 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 receive eStatements
  • Be enrolled and log into online banking

Savings Rates

Account Dividend Rate APY
Regular Shares
($5 minimum to open, $50 and over)
0.10% 0.10%
Christmas & Vacation Club / Auxilliary Accounts 0.10% 0.10%
Share Draft / Checking 0.00% 0.00%
Individual Retirement Accounts 0.15% 0.15%

High Yield Account Learn More

Balance Dividend Rate APY
$2,500 – $9,999.99 0.100% 0.100%
$10,000 – $24,999.99 0.150% 0.150%
$25,000 and over 0.150% 0.150%

High Yield dividend rates change monthly based on market conditions. For full details, see the High Yield Disclosure.

Share Certificates Learn More

Term Dividend Rate APY†
6 Months 0.150% 0.150%
1 Year 0.250% 0.250%
2 Years 0.350% 0.350%
3 Years 0.450% 0.450%
5 Years 0.750% 0.750% 

 

†NOTE – Members have the opportunity to "Step Up" to a higher rate (should rates increase) one time during the certificate term. Minimum to open any Certificate is $500. There is a substantial penalty for early withdrawal. The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not. (This may reduce the principal of your Share Certificate.) If the certificate falls below the minimum required, the account will be closed and the penalty will apply to the full amount.

Fee Schedule (Fees may reduce the overall earnings on the account)
Truth In Savings Disclosure
Funds Availability Policy

Loan Rates

Type of Loan Term /
Requirements
APR
As Low As†
Monthly Payment
(Per $1,000 Borrowed at Quoted Rate)
Auto (New/Used) 60 Months 2.25%‡ $17.64
Auto (New/Used) 72 Months 2.75%‡ $15.08
Auto (New/Used) 84 Months 3.25%‡ $13.33
Auto (Used as Collateral) 60 Months 2.75%‡ $17.86
Other Secured (MotorcycleBoatRVs, etc.) 60 Months 5.75%‡ $18.22
Other Secured (MotorcycleBoatRVs, etc.) 84 Months 6.75%‡ $14.98
Personal Loan 60 Months 9.98%‡ $21.24
Personal Loan 84 Months 10.98%‡ $17.12
Mastercard Revolving 9.50%‡ N/A
Secured MasterCard Revolving 7.50% N/A
Credit Builder Revolving 9.50% N/A

Home Mortgage Loans

Fixed-Rate and Term or Adjustable Rate Mortgages

Visit our First Mortgage Center for today's rates and estimates for various loan scenarios.
Home Equity Line of Credit 80% Loan to Value (up to 15 years) Prime* (3.25% APR Floor)‡ $7.03 for 15 years
Share Secured N/A 3.00% N/A
Certificate Secured N/A Prime Rate plus certificate rate N/A
Overdraft Protection N/A 9.98%‡ $21.24

*HELOC Interest rates as low as Prime. Interest rates may be higher depending on credit history up to a maximum of Prime plus 1.25%. Prime Rate is determined using the Wall Street Journal Prime and may be adjusted monthly using the Prime Rate 15 days prior to the first day of the month. Rate cannot go below 3.25% APR. As of 8/1/2021, Prime Rate is 3.25%. Property insurance is required on any property securing the HELOC.

†Rates based on credit history and may be higher.

Interest rates are subject to change without notice.