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APY = Annual Percentage Yield. Rates and APYs accurate as of September 30, 2019.

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 0.10% 0.10%
Secondary Savings 0.10% 0.10%
Christmas Club 0.10% 0.10%
Traditional IRA 0.40% 0.40%
Education IRA 0.40% 0.40%
Roth IRA 0.40% 0.40%
Basic Checking 0.05% 0.05%

Share Certificates Learn More

Term Minimum Amount Rate APY
6 Month $1,000 0.15% 0.15%
1 Year $1,000 0.25% 0.25%
18 Month $1,000 0.25% 0.25%
12 Month IRA $1,000 0.45% 0.45%
2 Year $1,000 0.30% 0.30%
30 Month $1,000 0.35% 0.35%
30 Month IRA $1,000 0.50% 0.50%
24 Month IRA $1,000 0.50% 0.50%
18 Month IRA $1,000 0.45% 0.45%

Penalty for early withdrawal.

Personal Loans

Type APR
Personal Loan 14.00%
Share Secured Loan 3.10%
Freedom Secured Loan 3.20%
Vacation Loan 8.00%
Christmas Loan 8.00%
Share Certificate Loan 3.00% above the rate on the certificate secured

Auto Loans Learn More

Type Term APR
New 2020-2019 24 month  2.99%
New 2020-2019 36 month  3.25%
New 2020-2019 48 month 3.25%
New 2020-2019  60 month  3.50%
New 2020-2019  72 month 4.99%
New 2020-2019  84 month 4.99%
Used 2019-2018  24 month 4.79%
Used 2019-2018  36 month 4.79%
Used 2019-2018  48 month 4.79%
Used 2019-2018  60 month 5.25%
Used 2019-2018  72 month 5.25%
Used 2019-2018  84 month 5.25%
Used 2017-2014  24 month 4.99%
Used 2017-2014  36 month 4.99%
Used 2017-2014  48 month 4.99%
Used 2017-2014  60 month 5.25%
Used 2013 and older 24 month 5.99%
Used 2013 and older 36 month 5.99%
Used 2013 and older 48 month 5.99%

Recreational Vehicle (RV) Loans Learn More

Type Term APR
New 2020-2019 24 month  2.99%
New 2020-2019 36 month  3.25%
New 2020-2019 48 month 3.25%
New 2020-2019 60 month  3.50%
New 2020-2019 72 month 4.99%
New 2020-2019 84 month 4.99%
New 2020-2019 96 month 5.50% ($20K or more)
New 2020-2019 120 month 5.99 ($20K or more)
Used 2019-2018 24 month 4.79%
Used 2019-2018 36 month 4.79%
Used 2019-2018 48 month 4.79%
Used 2019-2018 60 month 5.25%
Used 2019-2018 72 month 5.25%
Used 2019-2018 84 month 5.25%
Used 2017-2014 24 month 4.99%
Used 2017-2014 36 month 4.99%
Used 2017-2014 48 month 4.99%
Used 2017-2014 60 month 5.25%
Used 2013 and older 24 month 5.99%
Used 2013 and older 36 month 5.99%
Used 2013 and older 48 month 5.99%

Home Equity Loans Learn More

Type Term APR
Variable Rate   8.00%
Fixed Rate 60 months 5.75%
Fixed Rate 120 months 6.00%
Fixed Rate 180 months 6.50%