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APY = Annual Percentage Yield. Rates and APYs accurate as of March 31, 2021.

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 $10,000 $50 2.96% 3.00%
$10,000+ $50 0.25% 3.00% to 0.50%
All balances if qualifications not met $50 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 12 debit card purchases, each greater than $4.99
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

Kasasa Saver®* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $20,000 $0 0.75% 0.75%
$20,000+ $0 0.25% 0.75% to 0.33%
All balances if qualifications not met $0 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 12 debit card purchases, each greater than $4.99
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate in Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Share Accounts

Account Rate APY
Regular Shares 0.05% 0.05%
Secondary Savings 0.05% 0.05%
Christmas Club 0.05% 0.05%
Traditional IRA 0.30% 0.30%
Education IRA 0.30% 0.30%
Roth IRA 0.30% 0.30%
Basic Checking 0.01% 0.01%

Share Certificates Learn More

Term Minimum Amount Rate APY
6 Month $1,000 0.10% 0.10%
1 Year $1,000 0.20% 0.20%
18 Month $1,000 0.25% 0.25%
12 Month IRA $1,000 0.30% 0.30%
2 Year $1,000 0.25% 0.25%
30 Month $1,000 0.30% 0.30%
30 Month IRA $1,000 0.30% 0.30%
24 Month IRA $1,000 0.30% 0.30%
18 Month IRA $1,000 0.30% 0.30%

Penalty for early withdrawal.

Personal Loans

Type APR
Personal Loan 14.00%
Share Secured Loan 3.05%
Freedom Secured Loan 3.10%
Vacation Loan 8.00%
Christmas Loan 8.00%
Share Certificate Loan 3.00% above the rate on the certificate secured

Vehicle Loans Learn More

Type Term APR
New (2021-2020) 24 month  2.99%
New (2021-2020) 36 month  3.25%
New (2021-2020) 48 month 3.25%
New (2021-2020)  60 month  3.50%
New (2021-2020)  72 month 4.99%
New (2021-2020)  84 month 4.99%
Used (2020-2019)  24 month 3.99%
Used (2020-2019)  36 month 3.99%
Used (2020-2019)  48 month 3.99%
Used (2020-2019)  60 month 4.99%
Used (2020-2019)  72 month 4.99%
Used (2020-2019)  84 month 4.99%
Used (2018-2015)  24 month 3.99%
Used (2018-2015)  36 month 3.99%
Used (2018-2015)  48 month 3.99%
Used (2018-2015)  60 month 4.99%
Used 2014 and older 24 month 4.99%
Used 2014 and older 36 month 4.99%
Used 2014 and older 48 month 4.99%

 

Recreational Vehicle (RV) Loans Learn More

Type Term APR
New (2021-2020) 24 month  2.99%
New (2021-2020) 36 month  3.25%
New( 2021-2020) 48 month 3.25%
New (2021-2020) 60 month  3.50%
New (2021-2020) 72 month 4.99%
New (2021-2020) 84 month 4.99%
New( 2021-2020) 96 month 5.50% ($35K or more)
New (2021-2020) 120 month 5.99% ($35K or more)
New (2021-2020) 180 month 5.99% ($50K or more)
Used (2020-2019) 24 month 3.99%
Used (2020-2019) 36 month 3.99%
Used (2020-2019) 48 month 3.99%
Used (2020-2019) 60 month 4.99%
Used (2020-2019) 72 month 4.99%
Used (2020-2019) 84 month 4.99%
Used (2018-2015) 24 month 3.99%
Used (2018-2015) 36 month 3.99%
Used (2018-2015) 48 month 3.99%
Used (2018-2015) 60 month 4.99%
Used 2014 and older 24 month 4.99%
Used 2014 and older 36 month 4.99%
Used 2014 and older 48 month 4.99%

 

Home Equity Loans Learn More

Type Term APR
Variable Rate   8.00%
Fixed Rate 60 months 3.75%
Fixed Rate 120 months 3.75%
Fixed Rate 180 months 5.00%