APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and APYs accurate as of April 8, 2020.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Kasasa Cash®* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $15,000 $0 2.95% 3.00%
$15,000+ $0 0.25% 3.00% to 0.61%
All balances if qualifications not met $0 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 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And 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.

Kasasa Saver®* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $75,000 $1 1.00% 1.00%
$75,000+ $1 0.25% 1.00% to 0.57%
All balances if qualifications not met $1 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash or Kasasa Cash Back® 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 or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And 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.

Regular Share Savings Learn More

Minimum Balance Rate APY
$1.00 0.05% 0.05%
$5,001.00 0.15% 0.15%
$10,001.00 0.20% 0.20%

Share Accounts

Account Minimum Balance Rate APY
Daily Share Savings $1.00 0.05% 0.05%
IRA/Roth Daily $1.00 0.15% 0.15%
IRA/Roth Daily $1,000.00 0.30% 0.30%
Christmas Club $1.00 0.05% 0.05%
Vacation Club $1.00 0.05% 0.05%
Escrow $1.00 0.05% 0.05%

Flexible Money Fund Learn More

Minimum Balance Rate APY
$0 - $999.99 0.00% 0.00%
$1,000 - $2,499.99 0.05% 0.05%
$2,500 - $19,999.99 0.15% 0.15%
$20,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 + 0.30% 0.30%

Term Share Certificates Learn More

Term Minimum Deposit Rate APY
3 Month $500.00 0.15% 0.15%
6 Month $500.00 0.25% 0.25%
12 Month $500.00 0.50% 0.50%
12 Month Save to Win $25.00 0.45% 0.45%
18 Month $500.00 0.75% 0.75%
24 Month $500.00 1.00% 1.00%
36 Month $500.00 1.09% 1.10%
48 Month $500.00 1.24% 1.25%
60 Month $500.00 1.49% 1.50%

Rates are fixed for the length of the Term Share. A penalty may be imposed for early withdrawal.

Auto Loans Learn More

Loan Amount Term APR as low as
n/a up to 60 months 3.49%
> $15,000 61 - 72 months 3.99%
> $25,000 73 - 84 months 4.24%

Example: A loan amount of $15,000.00 for 60 months would have an estimated montly payment of $272.81

Offer requires Direct Deposit and Automatic Payments. APR may be higher based on credit score. New money only. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.

Boat / Motorhome / Travel Trailer Loans Learn More

Loan Amount Term APR as low as
n/a up to 60 months 4.24%
n/a 61 - 72 months 4.74%
n/a 73 - 84 months 4.99%
> $25,000 85 - 120 months 5.49%
> $50,000 121 - 180 months 5.74%
> $100,000 181 - 240 months 5.99%

Example: A loan amount of $40,000.00 for 120 months would have an estimated montly payment of $433.95

Offer requires Direct Deposit and Automatic Payments. APR may be higher based on credit score. New money only. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.

Motorcycle / ATV / Snowmobile / Personal Watercraft Loans Learn More

Loan Amount Term APR as low as
n/a up to 60 months 4.24%
n/a 61 - 72 months 4.74%
> $17,000 73 - 84 months 4.99%

Example: A loan amount of $20,000.00 for 84 months would have an estimated montly payment of $282.60

Offer requires Direct Deposit and Automatic Payments. APR may be higher based on credit score. New money only. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.

Personal Loans

Loan Loan Type Term APR as low as
Line of Credit1 Fixed None 11.90%
Signature Loan2 Fixed up to 60 months 9.50%

1 APR=Annual Percentage Rate. Loan payment based on 3% of the unpaid balance. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details

2 Example: A loan amount of $5,000.00 for 60 months would have an estimated montly payment of $105.01

Offer requires Direct Deposit and Automatic Payments. APR may be higher based on credit score. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.

Home Equity Line of Credit (HELOC) Learn More

Type Loan Amount Term APR as low as
Variable - 80% Loan-to-value $5,000-$24,999.99 120 months 4.00%
Variable - 80% Loan-to-Value > $25,000 120 months 4.25%
Variable - 95% Loan-to-Value $5,000-$24,999.99 120 months

4.25%

Variable - 95% Loan-to-Value > $25,000 120 months

4.50%

Variable APRs may change monthly based on the Wall Street Journal Prime Rate and may increase. APR may be higher based on credit score. New money only. Rates are based on credit limit, combined loan to value (CLTV) and credit score. Same day Loan Approvals on most applications. Contact Loan Department for more details

Fixed Rate Home Equity Loan Learn More

Type Loan Amount Term APR as low as
Fixed - 95% Loan-to-Value $10,000 - $100,000 120 months 5.50%

Example: A loan amount of $25,000.00 for 120 months would have an estimated montly payment of $271.34

APR may be higher based on credit score. New Money Only. Rates are subject to change at any time. Same day Loan Approvals on most applications. Max combined loan to value (CLTV) is 95%. Contact Loan Department for more details.

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