Rates effective as of November 1, 2017. Rates may change after accounts are opened. Fees may reduce earnings. APY = Annual Percentage Yield. APR = Annual Percentage Rate

Kasasa Cash* See Details

BalanceDividend RateAPY
Balances up to $10,000 2.97% 3.01%
Balances over $10,000 0.25% 3.01% to 0.50%
All balances if qualifications are 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* See Details

BalanceDividend RateAPY
Balances up to $10,000 0.747% 0.750%
Balances over $10,000 0.250% 0.750% to 0.300%
All balances if qualifications are 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

AccountDividend RateAPY
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 0.25% 0.25%

High Yield Account See Details

BalanceDividend RateAPY
$2,500 – $9,999.99 0.16% 0.16%
$10,000 – $24,999.99 0.17% 0.17%
$25,000 and over 0.20% 0.20%

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

Share Certificates See Details

TermDividend RateAPY†
6 Months 0.35% 0.35%
1 Year 0.55% 0.55%
2 Years 0.75% 0.75%
3 Years 0.90% 0.90%
5 Years 1.39% 1.40%

†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 The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not.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

New or Used Auto/Truck See Details

TermAPR As Low As†Monthly Payment (Per $1,000 Borrowed at Quoted Rate)
60 Months 2.24%‡ $17.64
72 Months 2.74%‡ $15.08
84 Months 3.24%‡ $13.33

†Rates based on credit history and may be higher.

‡APR reflects 1/4% discount for Automatic Payment Transfer or Payroll Deduction. Add 1/4% back if repaid otherwise.

Interest rates are subject to change without notice.

Loan Rates

Type of LoanTerm/RequirementsAPR As Low As†Monthly Payment (Per $1,000 Borrowed at Quoted Rate)
Auto used as collateral 60 Months 2.25%‡ $17.64
Other Secured (Motorcycle, Boat, RVs, etc.) 60 Months 5.75%‡ $19.22
Other Secured (Motorcycle, Boat, RVs, etc.) 120 Months 6.75%‡ $11.49
Home Equity Line of Credit 80% Loan to Value (up to 15 years) Prime minus 1%* (4% APR Floor)‡ $7.40 for 15 years
Personal Loan 60 Months 10.50%‡ $21.50
Personal Loan 84 Months 11.50%‡ $17.39
Overdraft Protection N/A 10.50%‡ $21.50
MasterCard Revolving 9.50%‡ N/A
Secured MasterCard Revolving 7.50% N/A
Credit Builder Revolving 9.50% N/A
Share Secured N/A 3.00% N/A
Certificate Secured N/A Lowest car rate plus certificate rate N/A

*HELOC Interest rates as low as Prime minus 1.00%. Interest rates may be higher depending on credit history up to a maximum of Prime plus 4%. 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 4.00% APR. As of 6/18/17, prime rate is 4.25%.

†Rates based on credit history and may be higher.

‡APR reflects 1/4% discount for Automatic Payment Transfer or Payroll Deduction. Add 1/4% back if repaid otherwise.

Interest rates are subject to change without notice.

Home Mortgage Loans See Details

Fixed rate and term or Adjustable Rate Mortgages

For rates call Financial Security Consultants at 410-823-3300.