APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 07/01/2021. APY will vary depending on amount on deposit.

Kasasa Cash* Learn More

Tier Rate APY
0 - $10,000 1.982% 2.00%
$10,000+ 0.20% 2.00% to 0.36%
Qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! 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 payment, or bill pay transaction(s)
  • At least 12 debit card purchases

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver* Learn More

Tier Rate APY
0 - $10,000 0.499% 0.50%
$10,000+ 0.20% 0.50% to 0.23%
Qualifications not met 0.15% 0.15%

Qualifications

Qualifying for 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 payment, or bill pay transaction(s)
  • At least 12 debit card purchases

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Share Accounts Learn More

Account APY
Membership Share ($25.00 to open account) 0.05%
Legacy Share Draft Checking 0.02%
IRA Share Accounts(a) 0.25%

Money Market Account Learn More

Tier APY
$0 - $4,999 0.20%
$5,000 - $24,999 0.20%
$25,000 - $49,999 0.10%
$50,000 - $99,999 0.10%
$100,000+ 0.08%

Share Certificates of Deposit Learn More

 

Standard Terms Min. Dep APY
3 Months $500.00 0.30%
6 Months $500.00 0.40%
12 Months $500.00 0.60%
24 Months $500.00 0.85%
36 Months $500.00 1.00%
48 Months $500.00 1.15%
60 Months $500.00 1.35%

*Stardard terms updated as of 12/20/2022

 

90-day penalty for early withdrawal on all other Share Certificates.

New Vehicles Learn More

Vehicle (Rates As Low As) Term APR
New Vehicles (2021-2023) 24 Months 3.74%
New Vehicles (2021-2023) 36 Months 3.74%
New Vehicles (2021-2023) 48 Months 3.74%
New Vehicles (2021-2023) 60 Months 3.99%

New Vehicles (2021-2023)

72 Months 4.10%
New Vehicles (2021-2023) 84 Months 4.25%

New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining

updated 11/28/2022

Used Vehicles Learn More

Vehicle (Rates As Low As) Term APR
Used Vehicles (2018-2020) 24 Months 3.75%
Used Vehicles (2018-2020) 36 Months 3.75%
Used Vehicles (2018-2020) 48 Months 4.00%
Used Vehicles (2018-2020) 60 Months 4.25%
Used Vehicles (2018-2020) 72 Months 4.50%
Used Vehicles (2013-2017 24 Months 5.50%
Used Vehicles (2013-2017) 36 Months 6.50%
Used Vehicles (2013-2017) 48 Months 7.25%
Used Vehicles (2013-2017) 60 Months 7.50%

Vehilces older than 2013 please visit one of our loan officers for further details. 

updated 11/28/2022

Home Mortgage Loans Learn More

Type / Term APR
1st Mortgage
80% LTV: 0 / 120 Months 4.50%
80% LTV: 121 / 180 Months 4.75%
80% LTV: 181 / 360 Months 4.90%
2nd Mortgage
0 - 180 Months 6.25%
180+ Months 6.50%
   
   
Land  
0 / 180 Months
7.00

Real Estate: 80% LTV target, 5 year ballon on all 1st, 2nd mortgage and home equite. Terms, conditions and fees will apply

Land: Unimproved land is without septic and/or well, LTV capped at 70% of appraised or taxable value, depending on principle amount. Improved land includes both septic and well. LTV is capped at 75% of appraised or taxable value, depending on principle amount. 

Construction loans limited to open draw period of 1 year. 

More details apply consult with one fo our loan officers for the full story.

updated 11/28/2022

Home Equity Loans Learn More

Type APR
Home Equity Line: First Mortgage

5.70%

Home Equity Line: Second Mortgage 5.99%

HELOC Disclosure

Max loan of $65,000 capped at 80% of appraised or taxable value (county tax assessment) with 5 year review. Other special HELOC terms, conditions and fees will apply

 

11/28/2022