Rates

APY = Annual Percentage Yield. Rates effective as of June 11, 2015. Fees may reduce earnings.

Kasasa Cash*

Balance Rate APY
$0 - $15,000 2.28% 2.30%
$15,000+ 0.25% 0.52% to 2.30%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) post and settle

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*

Balance Rate APY
0 - $15,000 1.00% 1.00%
$15,000+ 0.25% 0.35% to 1.00%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases that post and settle
  • Have at least 1 automatic payment (ACH) or bill payment post and settle
  • Be enrolled and receive e-statement

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.

Savings Account Rates

Account TypeBalanceRateAPY
Regular Share Savings $5.00 - $4,000.00 0.01% 0.01%
$4,001.00 & up 0.10% 0.10%
Share Plus Savings $25.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.99 0.15% 0.15%
$25,000.00 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.20% 0.20%
$100,000 & up 0.20% 0.20%
Money Market Savings $100.00 - $9,999.99 0.10% 0.10%
$10,000.00 - $24,999.99 0.15% 0.15%
$25,000 - $49,999.99 0.20% 0.20%
$50,000.00 - $99,999.99 0.25% 0.25%
$100,000.00 - $149,999.99 0.30% 0.30%
$150,000 & up 0.35% 0.35%
Medical Savings Maximum Annual Deposit of $2,000 0.10% 0.10%
Christmas Club No Minimum Balance 0.31%
As of October 31, 2012
0.31%
As of October 31, 2012
IRA No Minimum Balance 0.25% 0.25%

Share Certificate Rates

TermAPRAPY
3 Months 0.25% 0.25%
6 Months 0.35% 0.35%
12 Months 0.65% 0.65%
18 Months 0.65% 0.65%
24 Months 1.10% 1.10%
36 Months 1.49% 1.50%
48 Months 1.49% 1.50%
60 Months 2.23% 2.25%

Personal Loan Rates

Loan TypeTermAPR
Overdraft Protection 18.00%
Signature Loan Up to 24 Months 10.49%
Up to 48 Months 10.49%
Over 48 Months 10.49%
Share Secured 1 - 35 Months Same as Best Auto Rate
36 - 60 Months
Mobile Home Loan 1 - 83 Months 18.00%
84 - 144 Months1 18.00%

Auto Loan Rates

Loan TypeTermAPR
New Auto (7 Years Old or Newer)
90 Month requires a 700+ Credit Score and only on new to 2 year old car.
Up to 60 Months (700+ Credit Score) 3.49%
72 Months 3.49%
84 Months 4.24%
96 Months 5.34%
Used Auto over 7 years old 24 Months 4.99%
36 Months 4.99%
48 Months 4.99%
60 Months 4.99%
Loan Promotion
New/Used Auto or RV

RV Loan Rates

Loan TypeTermAPR

New RV (7 Years Old or Newer)
90 Month requires a 700+ Credit Score
and only on new to 2 year old RV.

12 - 60 Months (700+ Credit Score) 3.49%
72 Months 3.49%
84 Months 4.29%
96 Months 5.34%
97 - 144 Months1 6.24%
Used RV (Over 7 Years Old) 12 - 60 Months (700+ Credit Score) 4.99%
72 Months 4.99%
84 Months1 10.79%

1Loan amount must exceed $10,000 for this term.