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APY = Annual Percentage Yield. APR =Annual Percentage Rate. Rates effective as of May 30th, 2024. Rates are subject to change without notice.


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Kasasa Rates

Kasasa Cash* Learn More

Balance Dividend Rate APY
0 - $15,000 0.7474% 0.75%
$15,000+ 0.7474% 0.75% to 0.325%
All balances if qualifications not met 0.05% 0.05%

Qualifications

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 15 debit card purchases, each greater than $5
  • Enroll in and receive E-Statements
  • Login into Home Banking or Mobile Banking

That's it. 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 Dividend Rate APY
0 - $25,000 0.4989% 0.50%
$25,000+ 0.2497% 0.50% to 0.40%
All balances if qualifications not met 0.05% 0.05%

Qualifications

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:

  • Have 15 debit card purchases post and settle each month
  • Enroll in and receive e-statements

That's it. 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 on Kasasa Saver, and you can get right back to earning your full rewards the very next month!

Savings Rates

Savings Rates

Account Type Dividend Rate APY
Share Savings 0.10% 0.10%
Moola-Moola Kids Club 0.10% 0.10%
Christmas Club 0.10% 0.10%
Vacation Club 0.10% 0.10%

IRAs

Individual Retirement Accounts Learn More

Account Type Dividend Rate APY
Traditional IRA 2.50%

2.53%

Roth IRA 2.50% 2.53%
Educational IRA 2.50% 2.53%

Money Market Account Rates

Money Market Account Learn More

Balance Dividend Rate APY
$200,000+ 1.35% 1.36%
$100,000 - $199,000 1.25% 1.26%
$40,000 - $99,999 1.05% 1.06%
$10,000 - $39,999 0.95% 0.95%
$2,500 - $9,999 0.90% 0.90%

Share Certificate Rates

Share Certificates Learn More

Term Rate APY
60 months (min. $500) 4.00% 4.07%
48 months (min. $500) 3.75% 3.82%
36 months (min. $500) 3.60% 3.66%
24-35 months (min. $500) 3.50% 3.56%
12-23 months (min. $500) 3.00% 3.04%
6-11 months (min. $500) 2.75% 2.78%
IRA Share Cert. 60 months ($500) 4.00% 4.07%
IRA Share Cert. 48 months ($500) 3.75% 3.82%
IRA Share Cert. 36 months ($500) 3.60% 3.66%
IRA Share Cert. 24-35 months ($500) 3.50% 3.56%
IRA Share Cert. 12-23 months ($500) 3.00% 3.04%
IRA Share Cert. 6-11 months ($500) 2.75% 2.78%

Certificate dividends may be added back into the account, transferred to another credit union account or mailed to account holder each month. Rates are subject to change without notice. Penalty for early withdrawal on termed certificates.

Mortgages

First Mortgage/Refinanced Learn More

Fixed Rate with Escrow

10-30 years

Most current mortgage rates

Adjustable Rate Mortgages (ARM’s) Learn More

Program Rates as low as
5/1 6.500% APR
7/1 6.500% APR
10/1 6.625% APR

Some restrictions apply.
Call for details. 

 

Home Equity Loans Learn More

Program Rates as low as Term
Home Equity Fixed 5 years 6.50% APR 60 months
Home Equity Fixed 7 years 6.75% APR 84 months
Home Equity Fixed 10 years 7.00% APR 120 months
Home Equity Fixed 15 Years 7.25% APR 180 months
Home Equity LOC 8.50% APR 300 months

Lot Loans

Program Rates as low as Terms
Lot Loans – 3 year balloon 6.50% APR 36 months
Lot Loans – 5 year balloon 7.00% APR 60 months

Checking

Share Draft Checking Accounts

Account Type Dividend Rate APY
Premier Checking 0.10% 0.10%
Young at Heart Plus Checking 0.10% 0.10%
Business Interest Checking 0.10% 0.10%

Loans

Loan Rates

Loans APR as low as Terms
New/Used Auto (2022-2025) Auto 0-48 months (up to 110%) 5.74% 48 month
New/Used Auto (2022-2025) 49-60 months (up to 110%) 6.49% 60 months
New/Used Auto (2022-2025) 61-72 months (up to 110%) 6.99% 72 months
New/Used Auto (2022-2025) 73-84 months
(up to 110% $25K or more)
7.49% 84 months
Used Auto (18-21) (up to 110%) 6.74% 48 months
Used Auto (18-21) (up to 110%) 7.24% 60 months
Used Auto (18-21) (up to 110%) 7.49% 72 months
Used Auto (20-21) (up to 110%) 7.99% 84 months
Used Auto (14-17)(up to 100%) 7.74% 48 months
Used Auto (14-17) (up to 100%) 8.24% 60 months
Used Auto (2013 and older) (up to 100%) 9.49% 48 months
New/Used Motorcycle/ATV (22-25) 6.99% 48 months
New/Used Motorcycle/ATV (22-25) 7.74% 60 months
New/Used Motorcycle/ATV (22-25) 8.24% 72 months
New/Used Motorcycle/ATV (22-25) 8.74% 84 months
Used Motorcycle/ATV (18-21) 8.24% 48 months
Used Motorcycle/ATV (18-21) 8.74% 60 months
Used Motorcycle/ATV (18-21) 9.24% 72 months
Used Motorcycle/ATV (18-21) 9.74% 84 months
Used Motorcycle/ATV (14-17) 8.99% 48 months
Used Motorcycle/ATV (14-17) 9.49% 60 months
Used Motorcycle/ATV (13-older) 10.74% 48 months
New Boat 10.24% up to 72 months
Used Boat 10.74% up to 72 months
New RV 10.24% up to 72 months
Used RV 10.74% up to 72 months
Personal-Signature Loans 10.74% up to 60 months
Share Secured -- Share rate plus 4.00% 4.10% up to 120 months
Certificate Secured – Certificate rate plus 4.00%   up to 120 months
Loan Plus Checking – Line of Credit 13.50% N/A
Visa Platinum Credit Card – Rates based on credit score 13.99%-17.99% 13.99% N/A

 

Periodic Rates:
The Purchase APR is 13.99% which is a monthly periodic rate of 1.17%.
The Balance Transfer APR is 13.99% which is a monthly periodic rate of 1.17%.
The Cash Advance APR is 13.99% which is a monthly periodic rate of 1.17%.

Rates are based on year of vehicle, term of loan and credit score. For current rates and details on terms and conditions contact us at (800) 437-1057 or visit an office.

Annual Percentage Rate is based on credit score and term

For example: New Auto Loan rate of 5.74% for 48 months, payment is $23.43 per $1000.00 borrowed.

The APR may vary for Loan Plus Lines of Credit, Visa Platinum Credit Card, Share Secured and Certificate Secured loans since the rate can change during the term of the loan.

 

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