APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and Yields accurate as of 12/20/2024.
Deposit rates and rewards are variable and may change after account is opened. CD rates are fixed. Fees may reduce earnings.
Deposit Rates
Certificates of Deposit Learn More
| Type / Term | Minimum Balance to Open and Earn APY | Interest Rate | APY |
|---|---|---|---|
|
7 Month Special**** |
$2,500 | 3.92% | 4.00% |
|
13 Month Special**** |
$2,500 | 3.54% | 3.60% |
| Starter CD (1 year) | $500 | 0.95% | 0.95% |
| 1 Year-Renewal Once* | $10,000 | 0.95% | 0.95% |
| 1 Month CD | $1,000 | 0.35% | 0.35% |
| 3 Month CD | $1,000 | 0.45% | 0.45% |
| 6 Month CD | $1,000 | 0.75% | 0.75% |
| 12 Month CD | $1,000 | 0.90% | 0.90% |
| 18 Month CD | $1,000 | 0.95% | 0.95% |
| 24 Month CD | $1,000 | 1.05% | 1.06% |
| 30 Month CD | $1,000 | 1.15% | 1.16% |
| 36 Month CD | $1,000 | 1.25% | 1.26% |
| 48 Month CD | $1,000 | 1.35% | 1.36% |
| 60 Month CD | $1,000 | 1.40% | 1.41% |
Kasasa Cash®* Learn More
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $0 to $10,000 | $0 | 1.98% | 2.00% |
| $10,000+ | $0 | 0.20% | 2.00% to 0.36% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Just do a few simple things you're probably already doing. 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 $7
- At least 1 direct deposit or ACH credit transaction post and settle
- Be enrolled in and agree to receive eStatements
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver®‡ Learn More
| Balance | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| $0 to $20,000 | $0 | 0.75% | 0.75% |
| $20,000+ | $0 | 0.10% | 0.75% to 0.21% |
| 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 15 debit card purchases, each greater than $7
- At least 1 direct deposit or ACH credit transaction post and settle
- Be enrolled in and agree to receive eStatements
And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Money Market Checking Learn More
| Minimum Balance to Open | Interest Rate | APY |
|---|---|---|
| $1,000 | 0.05% | 0.05% |
Savings
| Account | Interest Rate | APY |
|---|---|---|
| Basic Savings | 0.05% | 0.05% |
| Youth Savings – 18 & under | 0.05% | 0.05% |
| Club Savings | 0.05% | 0.05% |
Money Market Investment (other than Municipal accounts) Learn More
| Minimum Balance to Earn APY | Interest Rate | APY |
|---|---|---|
| $1,000 | 0.05% | 0.05% |
| $10,000 | 0.10% | 0.10% |
| $25,000 | 0.15% | 0.15% |
| $50,000 | 0.20% | 0.20% |
| $250,000 | 0.30% | 0.30% |
Individual Retirement Accounts
| Type / Term | Minimum Balance to Open and Earn APY | Interest Rate | APY |
|---|---|---|---|
| Variable IRA** | $250 | 0.75% | 0.75% |
| Fixed IRA*** | $1,000 | *** | *** |
• Penalty for early withdrawals (including substantial tax penalties on IRAs), consult your tax advisor (CDs & IRAs).
• Fees could reduce earnings (Checking and Savings Accounts).
• Interest is compounded daily.
* Guaranteed renewable once at the same rate or higher.
** Variable rate tied to 6 month CD rate; may change at any time determined by the Bank at our discretion.
*** Same as the term selected from the CDs listed of one year or longer.
**** Special rates for new money only, funds currently or recently on deposit are not eligible for the promotional rate. Non-public institutions only (contact us for rates).
Loan Rates
Conventional Residential Mortgages Learn More
Rates as low as 6.29% APR. Call or visit for details.
New Vehicles & Motorcycles Learn More
Model Year 2021 - 2024
| Credit Score | APR |
|---|---|
| 750+ | 6.75% to 7.95% |
| 700-749 | 7.00% to 8.20% |
| 650-699 | 8.00% to 9.20% |
| 600-649 | 10.75% to 11.95% |
| <600 | 11.75% to 12.95% |
0.25% discount available when paid on an AFT basis
APR based on term of loan. Call for details.
Used Vehicles & Motorcycles Learn More
| Year | APR (Credit Score 750+) |
APR (Credit Score 700-749) |
APR (Credit Score 650-699) |
APR (Credit Score 600-649) |
APR (Credit Score <600) |
|---|---|---|---|---|---|
| 2018 to 2020 (up to 60 months) | 6.99% | 7.24% | 8.24% | 11.49% | 12.49% |
| 2018 to 2020 (72 months) | 8.24% | 8.49% | 9.49% | 12.74% | 13.74% |
| 2018 to 2020 (84 months) | 8.74% | 8.99% | 9.99% | 13.24% | 14.24% |
|
2017 & prior |
7.99% | 8.24% | 11.24% | 14.74% | 16.00% |
0.25% discount available when paid on an AFT basis
Call for terms