Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 05/01/2020. Fees may reduce earnings. Rates may change after accounts are opened.

Kasasa Cash* Learn More

Balance Minimum to Open Rate APY
0 to $10,000 $50 3.20% 3.25%
$10,000+ $50 0.25% 3.25% to 0.52%
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 1 direct deposit, ACH credit, or ACH payment
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver* Learn More

Balance Minimum to Open Rate APY
0 to $10,000 $5 0.50% 0.50%
$10,000+ $5 0.25% 0.50% to 0.27%
All balances if qualifications not met $5 0.05% 0.05%

Qualifications to Earn Rewards

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, or ACH payment
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's really it. But if you don't meet your qualifications one cycle, your account is still free — and you’ll still earn our base dividend rate on your Kasasa Saver balance. Then you can get back to earning your full rewards the very next month.

Savings Accounts

Account Type Minimum Balance to Earn Interest Rate APY
Regular Savings $100 0.15% 0.15%
Associations $100 0.15% 0.15%
Member Choice $100 0.15% 0.15%
Youth Accounts $100 0.15% 0.15%
IRA Savings $100 0.65% 0.65%
Christmas Club $100 0.25% 0.25%
Any Reason for All Seasons $100 0.25% 0.25%

Easy Access Money Market Learn More

Balance Minimum Opening Deposit Rate APY
$1,150 - $2,499 $2,500 0.15% 0.15%
$2,500 - $7,499.99 $2,500 0.70% 0.70%
$7,500.00 - $24,999.99 $2,500 0.80% 0.80%
$25,000.00 - $49,999.99 $2,500 0.90% 0.90%
$50,000.00 or more $2,500 1.00% 1.00%

Certificates of Deposit (CDs)^ Learn More

Term Minimum Opening Deposit Rate APY Early Withdrawal Penalty
6 Month $500 0.60% 0.60% 90 days interest
12 Month $500 0.65% 0.65% 90 days interest
12 Month Super Kids $100 min $2,500 max 2.62% 2.65% 90 days interest
24 Month $500 0.95% 0.95% 180 days interest
36 Month $500 1.04% 1.05% 180 days interest
48 Month $500 1.14% 1.15% 180 days interest
60 Months $500 1.24% 1.25% 180 days interest

^ Penalty for early withdrawal.

IRA Certificates^ Learn More

Term Minimum Opening Deposit Rate APY Early Withdrawal Penalty
6 Month $500 0.60% 0.60% 90 days interest
12 Month $500 0.65% 0.65% 90 days interest
24 Month $500 0.95% 0.95% 180 days interest
36 Month $500 1.04% 1.05% 180 days interest
48 Month $500 1.14% 1.15% 180 days interest
60 Months $500 1.24% 1.25% 180 days interest

^ Penalty for early withdrawal.

Loans

Loan Type APR Starting At
Home Equity Line of Credit (Variable) Call for Current Rates
Home Equity Loan (Fixed) Call for Current Rates
Auto Loan (New & Used) 2.79%
Motorcycle 2.79%
Boats/RVs 3.99%
Visa Credit Card 7.99%
Home Mortgage Call for Current Rates
Personal Loan 10.00%