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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of January 1, 2020. Fees may reduce earnings.


Free Kasasa Cash® Checking* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $15,000 $10.00 2.96% 3.00%
$15,000+ $10.00 0.25% 3.00% to 0.61%
All balances if qualifications not met $10.00 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
  • Be enrolled in and agree to receive eStatements
  • Log into Online Banking

Free Kasasa Saver®* Learn More

Balance Minimum Opening Deposit Rate APY
0 to $25,000 $5.00 1.00% 1.00%
$25,000+ $5.00 0.25% 1.00% to 0.40%
All balances if qualifications not met $5.00 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 15 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Log into Online Banking

Share Savings Accounts Learn More

Type APY
Regular Share Savings 0.05%
Club Share Savings 0.05%
Escrow 0.10%
IRA Shares 0.30%

A minimum balance of $50.00 is required to earn dividends.

Rates for Share Savings Accounts and Money Market Accounts are variable and may change after the account is opened.

Money Market Shares Learn More

Balance APY
$5,000 - $24,999.99 0.15%
$25,000 - $49,999.99 0.20%
$50,000 - $74,999.99 0.35%
$75,000 and up 0.40%

Balances of less than $5,000 will not earn dividends.

Rates for Share Savings Accounts and Money Market Accounts are variable and may change after the account is opened.

Share Certificates Learn More

Term APY
3 Month 0.20%
6 Month 0.30%
12 Month 0.35%
18 Month 0.40%
24 Month 0.45%
36 Month 0.60%
48 Month 0.70%
60 Month 1.00%

A minimum of $1,000 is required to open a Share Certificate.

IRA Certificates Learn More

Term APY
12 Month 0.25%

Annual Percentage Yield is the total amount of dividends paid on an account, based on the dividend rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage.
Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA.

VISA Credit Card Learn More

Type APR as low as Details
Non Variable 7.50% No Annual Fee

New Auto/Truck Learn More

Term APR as low as Maximum Loan-to-Value
0 - 36 mos 2.75% 100%
37 - 48 mos 3.26% 100%
49 - 66 mos 3.49% 100%
67 - 72 mos  > $15,000 3.49% 100%

A new auto loan of $20,000 for 48 months at 3.26% APR may have a monthly payment of $444.99.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Auto/Truck Learn More

Term APR as low as Maximum Loan-to-Value
0 - 36 mos 3.00% 100%
37 - 48 mos 3.51% 100%
49 - 66 mos 3.74% 100%
67 - 72 mos  > $15,000 3.74% 100%

A new auto loan of $20,000 for 48 months at 3.51% APR may have a monthly payment of $475.95.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Recreational Vehicles (Motorcycles / ATV's / Recreational Vehicles / Snowmobiles) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 3.500% 100%
49 - 60 mos 3.875% 100%
61 - 72 mos > $15,000 4.125% 100%
73 - 120 mos > $40,000 4.375% 100%
121 - 144 mos > $40,000 4.625% 100%

A new recreational vehicle loan of $25,000 for 48 months at 3.500% APR may have a monthly payment of $558.90.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Recreational Vehicles (Motorcycles / ATV's / Recreational Vehicles / Snowmobiles) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 4.00% 100%
49 - 60 mos 4.50% 100%
61 - 72 mos > $15,000*** 4.75% 100%
73 - 120 mos > $40,000*** 5.00% 100%

***Mileage may not exceed NADA average.

Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months.

A used recreational vehicle loan of $20,000 for 48 months at 4.00% APR may have a monthly payment of $451.58.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 4.00% 100%
49 - 60 mos 4.25% 100%
61 - 72 mos > $15,000 4.50% 100%
73 - 120 mos > $40,000 5.00% 100%

A new vehicle loan of $25,000 for 48 months at 4.00% APR may have a monthly payment of $564.48.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Vehicle Loans (Dump Trucks/ Tractors / Heavy Equipment) Learn More

Term APR as low as Maximum Loan-to-Value
24 - 48 mos 4.75% 100%
49 - 60 mos 5.00% 100%
61 - 72 mos > $15,000 5.25% 100%
73 - 120 mos > $40,000 5.50% 100%

Mileage may not exceed NADA average.

Value < $10,000 may not exceed 48 months. Value < $7,000 may not exceed 36 months.

A used vehicle loan of $20,000 for 48 months at 4.75% APR may have a monthly payment of $458.32.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

New Motor Homes / Boats / Campers Learn More

Term APR as low as Maximum Loan-to-Value
24 - 36 mos 4.375% 100%
48 - 60 mos 4.875% 100%
61 - 84 mos > $25,000 5.375% 100%
85 - 120 mos > $40,000 5.875% 100%
121 - 144 mo > $40,000 6.375% 100%
145 - 180 mo > $40,000 6.875% 100%

A new boat loan of $30,000 for 36 months at 4.375% APR may have a monthly payment of $890.73.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Used Motor Homes / Boats / Campers Learn More

Term APR as low as Maximum Loan-to-Value
24 - 36 mos 4.875% 100%
48 - 60 mos 5.375% 100%
61 - 84 mos > $25,000 5.875% 100%
120 mos > $40,000 6.125% 100%

A used boat loan of $15,000 for 36 months at 4.875% APR may have a monthly payment of $448.80.

All loans are subject to credit approval. Your rate and term may differ from the rates below and will be determined by your credit history.

Signature Loans Learn More

Term APR as low as Maximum Amount
Up to 60 mos 8.50% $12,500 Max. Based on Individual Income

A signature loan of $8,000 for 60 months at 8.75% APR may have a monthly payment of $165.10.

Signature Line of Credit

APR as low as Maximum Amount
8.25% $12,500

Share Secured Loans Learn More

Term APR as low as Details
Up to 60 mos 2.25% Over Regular Share Rate Variable Subject to Change

Certificate Secured Loans

Term APR as low as Details
Term of Certificate 2.25% Over CD Rate Certificate Balance Less Interest

Overdraft Line of Credit

Term APR as low as Details
Revolving 18.00% Minimum $500/ Maximum $1,000 Deducted From Unsecured Limit