Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 1, 2017. Fees may reduce earnings. Terms and dividends rates are subject to change without notice.

View Fee Schedule

Kasasa Cash*

BalanceRateAPY
Balances up to $15,0003.203%3.250%
Balances over $15,0000.25%3.25% to 0.64%
All balances if qualifications aren't met0.05%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Kasasa Cash Back*

Free checking account that pays 3% cash back on qualifying debit card purchases up to $300. Maximum $9 cash back per qualification cycle.*

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Kasasa Saver*

BalanceRateAPY
Balances up to $50,0001.005%1.010%
Balances over $50,0000.25%1.01% - 0.50%
All balances if qualifications aren't met0.05%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Personal Checking

AccountMinimum Balance Required to Earn DividendsRateAPY
Basic Checking$250.0%0.0%
Max Money$0 - $2,499

Service Fee $6

0.001%0.001%
$2,500 - $4,9990.190%0.190%
$5,000 - $19,9990.230%0.230%
$20,000+0.270%0.270%

Personal Savings

AccountMinimum Balance Required to Earn DividendsRateAPY
Basic Savings$2000.150%0.150%
Kidz Saver

Age 17 & under

$250.399%0.400%
Santa / Vacation Saver

Limited Access

$250.399%0.400%
Individual Retirement Account (IRA)$2000.896%0.900%

Share Certificates

IRA Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
12 Months$1,0001.154%1.160%
15 Months

Rate with checking account.*

$1,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$1,0001.302%1.310%
24 Months$1,0001.450%1.460%
36 Months$1,0001.648%1.660%
48 Months$1,0001.893%1.910%
60 Months$1,0002.090%2.110%

Penalty for early withdrawal.

Regular Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
6 Months$1,0000.549%0.550%
12 Months$1,0000.956%0.960%
15 Months

Rate with checking account.*

$1,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$1,0001.104%1.110%
24 Months$1,0001.253%1.260%
36 Months$1,0001.450%1.460%
48 Months$1,0001.697%1.710%
60 Months$1,0001.893%1.910%

Penalty for early withdrawal.

Choice Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
6 Months$1,0000.648%0.650%
12 Months$1,0001.055%1.060%
15 Months

Rate with checking account.*

$1,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$1,0001.203%1.210%
24 Months$1,0001.352%1.360%
36 Months$1,0001.549%1.560%
48 Months$1,0001.795%1.810%
60 Months$1,0001.992%2.010%

Penalty for early withdrawal.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
6 Months$50,0000.648%0.650%
12 Months$50,0001.055%1.060%
15 Months

Rate with checking account.*

$50,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$50,0001.203%1.210%
24 Months$50,0001.352%1.360%
36 Months$50,0001.549%1.560%
48 Months$50,0001.795%1.810%
60 Months$50,0001.992%2.010%

Penalty for early withdrawal.

Loans

Auto Loans

TermsRates as Low As†Financed
0-24 Months2.99% APRNew (Non Real Estate)
25-36 Months3.24% APRNew (Non Real Estate)
37-48 Months3.49% APRNew (Non Real Estate)
49-60 Months3.74% APRNew (Non Real Estate)
61-72 Months3.99% APRNew (Non Real Estate)
73-84 Months4.24% APRNew (Non Real Estate)
85-96 Months4.74% APRNew (Non Real Estate)

Personal Loans

TypeInterest Rates as Low As
Signature Loan10.75% APR
Share Secured3% above current Basic Savings Rate
Share Certificate Secured2% above earning Share Certificate Rate

† Loan rates are dependent on the following:

  • Member has direct deposit in share draft account
  • Member agrees to auto-pay

All Interest Rates Subject to the following:

  • Credit Approval
  • Membership Eligibility Required

Business Accounts

Business Checking

AccountMinimum Balance Required to Earn DividendsRate

Annual Percentage Rate

APY

Annual Percentage Yield

Basic Business CheckingN/A0.00%0.00%
Business Checking Plus1$0 - $2,4990.001%0.001%
$2,500 - $9,9990.010%0.010%
$10,000 - $24,9990.050%0.050%
$25,000 - $49,9990.090%0.090%
$50,000+0.130%0.130%
Business Max Money Checking2$0 - $9,9990.050%0.050%
$10,000 - $49,9990.190%0.190%
$50,000 - $99,9990.230%0.230%
$100,000 - $249,9990.270%0.270%
$250,000+0.310%0.310%

1 $12 Monthly Service Fee if Balance falls below $2,500.00

2 $12 Monthly Service Fee if Balance falls below $4,000.00

Business Savings

AccountMinimum Balance Required to Earn DividendsRateAPY
Basic Savings$2000.15%0.15%
Special A Shares$2000.15%0.15%
Special B Shares$2000.15%0.15%
Special C Shares$2000.15%0.15%

Business Regular Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
6 Months$1,0000.549%0.550%
12 Months$1,0000.956%0.960%
15 Months$1,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$1,0001.104%1.110%
24 Months$1,0001.253%1.260%
36 Months$1,0001.450%1.460%
48 Months$1,0001.697%1.710%
60 Months$1,0001.893%1.910%

Penalty for early withdrawal.

Business Jumbo Certificate

TermMinimum Balance Required to Earn DividendsRateAPY
6 Months$50,0000.648%0.650%
12 Months$50,0001.055%1.060%
15 Months

Rate with checking account.*

$50,0001.361%*

1.263% without checking account.

1.370%*

1.270% without checking account.

18 Months$50,0001.203%1.210%
24 Months$50,0001.352%1.360%
36 Months$50,0001.549%1.560%
48 Months$50,0001.795%1.810%
60 Months$50,0001.992%2.010%

Penalty for early withdrawal.