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APY = Annual Percentage Yield. APR =Annual Percentage Rate. Rates effective as of December 4, 2019. Rates are subject to change without notice.


Kasasa Cash* Learn More

Balance Rate APY
0 - $15,000 2.9595% 3.00%
$15,000+ .2497% 3.00% to 0.61%
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
  • Be enrolled in and log into online 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 Rate APY
0 - $25,000 .9954% 1.00%
$25,000+ .2497% 1.00% 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 log into online banking monthly
  • 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

Account Type Dividend Rate APY
Share Savings 0.25% 0.25%
Moola-Moola Kids Club 0.25% 0.25%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%

Money Market Account Learn More

Balance Dividend Rate APY
$2,500 - $9,999 0.25% 0.25%
$10,000 - $39,999 0.35% 0.35%
$40,000 - $99,999 0.45% 0.45%
$100,000 - $200,000 0.65% 0.65%
$200,000+ 1.05% 1.06%

Share Draft Checking Accounts

Account Type Dividend Rate APY
Premier Checking 0.50% 0.50%
Young at Heart Plus Checking 0.50% 0.50%
Business Interest Checking 0.25% 0.25%

Individual Retirement Accounts Learn More

Account Type Dividend Rate APY
Traditional IRA 1.50% 1.51%
Roth IRA 1.50% 1.51%
Educational IRA 1.50% 1.51%

Share Certificates Learn More

Term Rate APY
60 months (min. $500) 1.35% 1.36%
48 months (min. $500) 1.10% 1.11%
36 months (min. $500) 0.85% 0.85%
24-35 months (min. $500) 0.70% 0.70%
12-23 months (min. $500) 0.60% 0.60%
6-11 months (min. $500) 0.35% 0.35%
IRA Share Cert. 60 months ($500) 1.35% 1.36%
IRA Share Cert. 48 months ($500) 1.10% 1.11%
IRA Share Cert. 36 months ($500) 0.85% 0.85%
IRA Share Cert. 24-35 months ($500) 0.70% 0.70%
IRA Share Cert. 12-23 months ($500) 0.60% 0.60%
IRA Share Cert. 6-11 months ($500) 0.35% 0.35%

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.

Loan Rates

Loans APR as low as Terms
New/Used Auto (2018-2021) Auto 0-48 months (up to 125%) 2.49% 48 month
New/Used Auto (2018-2021) 49-60 months (up to 125%) 2.99% 60 months
New/Used Auto (2018-2021) 61-72 months (up to 125%) 3.49% 72 months
New/Used Auto (2018-2021) 73-84 months
(up to 105% $25K or more)
4.49% 84 months
Used Auto (14-17) (up to 125%) 2.99% 48 months
Used Auto (14-17) (up to 125%) 3.49% 60 months
Used Auto (14-17) (up to 125%) 3.99% 72 months
Used Auto (14-17) (up to 125%) 4.74% 84 months
Used Auto (10-13)(up to 125%) 3.74% 48 months
Used Auto (10-13) (up to 125%) 4.49% 60 months
Used Auto (2009 and older) (up to 125%) 5.49% 48 months
New/Used Motorcycle/ATV (18-21) 3.74% 48 months
New/Used Motorcycle/ATV (18-21) 4.24% 60 months
New/Used Motorcycle/ATV (18-21) 4.74% 72 months
Used Motorcycle/ATV (14-17) 4.24% 48 months
Used Motorcycle/ATV (14-17) 4.74% 60 months
Used Motorcycle/ATV (14-17) 5.24% 72 months
Used Motorcycle/ATV (10-13) 4.74% 48 months
Used Motorcycle/ATV (10-13) 5.49% 60 months
Used Motorcycle/ATV (09-older) 6.49% 48 months
New Boat 9.24% up to 72 months
Used Boat 9.74% up to 72 months
New RV 9.24% up to 72 months
Used RV 9.74% up to 72 months
Emergancy Help Loan 3.00% up to 12months
Personal-Signature Loans 6.99% up to 60 months
Share Secured 3.25% up to 120 months
Certificate Secured – Certificate rate plus 3.00%   up to 120 months
Loan Plus Checking – Line of Credit 8.25% N/A
Visa Platinum Credit Card – Rates based on credit score 8.74%-17.74% 8.74% N/A

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 2.49% for 48 months, payment is $21.91 per $1000.00 borrowed

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

First Mortgage/Refinanced Learn More

Fixed Rate with Escrow

10-30 years

Most current mortgage rates

First Time Home Owners Learn More

Program Rates as low as
5/1 3.500%

Adjustable Rate Mortgages (ARM’s) Learn More

Program Rates as low as
3/1 3.750%
5/1 3.000%
7/1 3.125%

Bi-Weekly Mortgage Program-No Escrow Learn More

Program Rates as low as
15 year term 4.250%

Home Equity Loans Learn More

Program Rates as low as Term
Home Equity Fixed 5 years 2.00% 60 months
Home Equity Fixed 7 years 2.50% 84 months
Home Equity Fixed 10 years 3.00% 120 months
Home Equity LOC 3.25% 300 months
Home Equity Line of Credit – 1 year special 1.75% 300 months (rate will adjust after 1 year)

Lot Loans

Program Rates as low as Terms
Lot Loans – 3 year balloon 4.50% 36 months
Lot Loans – 5 year balloon 4.99% 60 months