Rates

Please contact our Loan Officers for latest Rates

APY = Annual Percentage Yield. Rates and APYs accurate as of December 31, 2024.

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 $20,000 $50 4.41% 4.50%
$20,000+ $50 0.747% 4.50% to 1.38%
All balances if qualifications not met $50 0.05% 0.05%
0 to $20,000
Minimum Opening Deposit$50
Rate4.41%
APY4.50%
$20,000+
Minimum Opening Deposit$50
Rate0.747%
APY4.50% to 1.38%
All balances if qualifications not met
Minimum Opening Deposit$50
Rate0.05%
APY0.05%

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
  • 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 3.445% 3.50%
$20,000+ $0 0.747% 3.50% to 1.21%
All balances if qualifications not met $0 0.05% 0.05%
0 to $20,000
Minimum Opening Deposit$0
Rate3.445%
APY3.50%
$20,000+
Minimum Opening Deposit$0
Rate0.747%
APY3.50% to 1.21%
All balances if qualifications not met
Minimum Opening Deposit$0
Rate0.05%
APY0.05%

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
  • 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%
Regular Shares
Rate0.05%
APY0.05%
Secondary Savings
Rate0.05%
APY0.05%
Christmas Club
Rate0.05%
APY0.05%
Traditional IRA
Rate0.30%
APY0.30%
Education IRA
Rate0.30%
APY0.30%
Roth IRA
Rate0.30%
APY0.30%
Basic Checking
Rate0.01%
APY0.01%

Share Certificates Learn More

Term Minimum Amount Rate APY
6 Month  $1,000 2.00% 2.02%
12 Month $1,000 2.75% 2.78%
18 Month $1,000 2.75% 2.78%
24 Month $1,000 3.00% 3.03%
       
12 Month IRA $1,000 2.75% 2.78%
18 Month IRA $1,000 2.75% 2.78%
24 Month IRA $1,000 3.00% 3.03%
       
6 Month 
Minimum Amount$1,000
Rate2.00%
APY2.02%
12 Month
Minimum Amount$1,000
Rate2.75%
APY2.78%
18 Month
Minimum Amount$1,000
Rate2.75%
APY2.78%
24 Month
Minimum Amount$1,000
Rate3.00%
APY3.03%
 
Minimum Amount 
Rate 
APY 
12 Month IRA
Minimum Amount$1,000
Rate2.75%
APY2.78%
18 Month IRA
Minimum Amount$1,000
Rate2.75%
APY2.78%
24 Month IRA
Minimum Amount$1,000
Rate3.00%
APY3.03%
 
Minimum Amount 
Rate 
APY 

**Current Share Certificate of Deposit Special! This is a limited time offer. 

 

Penalty for early withdrawal on all Share Certificates.

Personal Loans

Type APR
Personal Loan As low as 7.50%
Share Secured Loan 2.05%
Freedom Secured Loan 2.10%
Vacation Loan As low as 7.50%
Christmas Loan As low as 7.50%
Share Certificate Loan 2.00% above the rate on the certificate secured
Personal Loan
APRAs low as 7.50%
Share Secured Loan
APR2.05%
Freedom Secured Loan
APR2.10%
Vacation Loan
APRAs low as 7.50%
Christmas Loan
APRAs low as 7.50%
Share Certificate Loan
APR2.00% above the rate on the certificate secured

Effective Date: 12/31/2024

*APR is defined as Annual Percentage Rate. **Maximum term is based on the loan type and creditworthiness. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral. Payment example: based on a $10,000 vehicle loan, 2024 and newer: $184.39 at a 3.99% APR with a 60 month term and first payment 45 days from origination. Your APR may differ based on : term of loan, age of collateral, discounts and fees.

*Rates subject to change without notice. 

Vehicle Loans Learn More

Type Maximum Term APR
New (2025-2024) 84 month  as low as 4.49% (60 month term)
Used (2024-2020) 84 month As low as 5.24% (60 month term)
Used (2019-2008) 60 month As low as 5.49% (48 month term)

 

New (2025-2024)
Maximum Term84 month 
APRas low as 4.49% (60 month term)
Used (2024-2020)
Maximum Term84 month
APRAs low as 5.24% (60 month term)
Used (2019-2008)
Maximum Term60 month
APRAs low as 5.49% (48 month term)

Recreational Vehicle (RV) Loans Learn More

Type Maximum Term APR
New (2025-2024) 84 month  As low as 4.49% (60 Month Term)
New (2025-2024) 96 -120 month  as low as 5.49% ($45k or more)
New( 2025-2024) 144 - 180 month As low as 5.99% ($50k or more)
Used (2024-2020) 84 month  As low as 5.24% (60 month term)
Used (2019-2008) 60 month As low as 5.49% (48 month term)

 

New (2025-2024)
Maximum Term84 month 
APRAs low as 4.49% (60 Month Term)
New (2025-2024)
Maximum Term96 -120 month 
APRas low as 5.49% ($45k or more)
New( 2025-2024)
Maximum Term144 - 180 month
APRAs low as 5.99% ($50k or more)
Used (2024-2020)
Maximum Term84 month 
APRAs low as 5.24% (60 month term)
Used (2019-2008)
Maximum Term60 month
APRAs low as 5.49% (48 month term)

Home Equity Loans Learn More

Type Term APR
     
Fixed Rate 60 months 6.24%
Fixed Rate 120 months 6.74%
Fixed Rate 180 months 6.74%
 
Term 
APR 
Fixed Rate
Term60 months
APR6.24%
Fixed Rate
Term120 months
APR6.74%
Fixed Rate
Term180 months
APR6.74%