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.

Kasasa Cash* See Details

BalanceDividends RatesAPY
Balances up to $15,000 3.203% 3.250%
Balances over $15,000 0.25% 3.25% to 0.64%
All balances if qualifications aren't 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 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

Kasasa Cash Back* See Details

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

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

Kasasa Saver* See Details

BalanceDividends RatesAPY
Balances up to $50,000 1.005% 1.010%
Balances over $50,000 0.25% 1.01% to 0.50%
All balances if qualifications aren't 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 or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

Personal Basic Checking See Details

Minimum Balance Required to Earn DividendsDividends RatesAPY
$25 0.0% 0.0%

Personal Max Money Account See Details

Minimum Balance Required to Earn DividendsDividends RatesAPY
$0 - $2,499
Service Fee $6
0.001% 0.001%
$2,500 - $4,999 0.190% 0.190%
$5,000 - $19,999 0.230% 0.230%
$20,000+ 0.270% 0.270%

Personal Savings

AccountMinimum Balance Required to Earn DividendsDividends RatesAPY
Basic Savings $200 0.150% 0.150%
Youth Savings
Age 17 & under
$25 0.399% 0.400%
Club Accounts
Limited Access
$25 0.399% 0.400%
Individual Retirement Account (IRA) $200 0.896% 0.900%

IRA Certificate

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
12 Months $1,000 1.154% 1.160%
15 Months
Rate with checking account.*
$1,000 1.361%*
1.263% without checking account.
1.370%*
1.270% without checking account.
18 Months $1,000 1.302% 1.310%
24 Months $1,000 1.450% 1.460%
36 Months $1,000 1.648% 1.660%
48 Months $1,000 1.893% 1.910%
60 Months $1,000 2.090% 2.110%

Penalty for early withdrawal.

Regular Certificate

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
6 Months $1,000 0.549% 0.550%
12 Months $1,000 0.956% 0.960%
15 Months
Rate with checking account.*
$1,000 1.361%*
1.263% without checking account.
1.370%*
1.270% without checking account.
18 Months $1,000 1.104% 1.110%
24 Months $1,000 1.253% 1.260%
36 Months $1,000 1.450% 1.460%
48 Months $1,000 1.697% 1.710%
60 Months $1,000 1.893% 1.910%

Penalty for early withdrawal.

Choice Certificate

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
6 Months $1,000 0.648% 0.650%
12 Months $1,000 1.055% 1.060%
15 Months
$1,000 1.263% 1.270%
18 Months $1,000 1.203% 1.210%
24 Months $1,000 1.352% 1.360%
36 Months $1,000 1.549% 1.560%
48 Months $1,000 1.795% 1.810%
60 Months $1,000 1.992% 2.010%

Penalty for early withdrawal. First Choice Certificates must have checking account to receive rate above.

Jumbo Certificate

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
6 Months $50,000 0.648% 0.650%
12 Months $50,000 1.055% 1.060%
15 Months
Rate with checking account.*
$50,000 1.361%*
1.263% without checking account.
1.370%*
1.270% without checking account.
18 Months $50,000 1.203% 1.210%
24 Months $50,000 1.352% 1.360%
36 Months $50,000 1.549% 1.560%
48 Months $50,000 1.795% 1.810%
60 Months $50,000 1.992% 2.010%

Penalty for early withdrawal.

Auto Loans See Details

TermDividends Rates as Low As†Financed
0-24 Months 2.99% APR New (Non Real Estate)
25-36 Months 3.24% APR New (Non Real Estate)
37-48 Months 3.49% APR New (Non Real Estate)
49-60 Months 3.74% APR New (Non Real Estate)
61-72 Months 3.99% APR New (Non Real Estate)
73-84 Months 4.24% APR New (Non Real Estate)
85-96 Months 4.74% APR New (Non Real Estate)

† 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

Personal Loans See Details

TypeDividends Rates as Low As
Signature Loan 10.25% APR
Share Secured 3% above current Basic Savings Rate
Share Certificate Secured 2% above earning Share Certificate Rate

All Interest Rates Subject to the following:

  • Credit Approval
  • Membership Eligibility Required

Basic Business Checking See Details

Minimum Balance Required to Earn DividendsDividends RatesAPY
N/A 0.00% 0.00%

Business Checking Plus See Details

Minimum Balance Required to Earn DividendsDividends RatesAPY
$0 - $2,499 0.001% 0.001%
$2,500 - $9,999 0.010% 0.010%
$10,000 - $24,999 0.050% 0.050%
$25,000 - $49,999 0.090% 0.090%
$50,000+ 0.130% 0.130%

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

Business Max Money Account See Details

Minimum Balance Required to Earn DividendsDividends RatesAPY
$0 - $9,999 0.050% 0.050%
$10,000 - $49,999 0.190% 0.190%
$50,000 - $99,999 0.230% 0.230%
$100,000 - $249,999 0.270% 0.270%
$250,000+ 0.310% 0.310%

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

Business Savings See Details

AccountMinimum Balance Required to Earn DividendsDividends RatesAPY
Basic Savings $200 0.15% 0.15%
Special A Shares $200 0.15% 0.15%
Special B Shares $200 0.15% 0.15%
Special C Shares $200 0.15% 0.15%

Business Regular Certificate See Details

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
6 Months $1,000 0.549% 0.550%
12 Months $1,000 0.956% 0.960%
15 Months $1,000 1.263% 1.270%
18 Months $1,000 1.104% 1.110%
24 Months $1,000 1.253% 1.260%
36 Months $1,000 1.450% 1.460%
48 Months $1,000 1.697% 1.710%
60 Months $1,000 1.893% 1.910%

Penalty for early withdrawal.

Business Jumbo Certificate See Details

TermMinimum Balance Required to Earn DividendsDividends RatesAPY
6 Months $50,000 0.648% 0.650%
12 Months $50,000 1.055% 1.060%
15 Months $50,000 1.263% 1.270%
18 Months $50,000 1.203% 1.210%
24 Months $50,000 1.352% 1.360%
36 Months $50,000 1.549% 1.560%
48 Months $50,000 1.795% 1.810%
60 Months $50,000 1.992% 2.010%

Penalty for early withdrawal.