Put higher balances in perspective with dividends that stand tall
Take advantage of our highest dividend rate, skips the fees, and spend with the freedom of no balance requirements.
Benefits You’ll Love
- Earn up to 4.00% APY* on your balance
- Enjoy no monthly maintenance fees
- Take advantage of unlimited check writing
- Conveniently withdraw cash from over 30,000 ATMs nationwide
- 4.00 % APY* on balances up to $25,000 if qualifications are met
- 4.00% to 0.80% APY* on balances over $25,000 depending on balance in account
- 0.01% APY* if qualifications aren’t met
- Get refunds for ATM fees nationwide (up to $20 monthly)
- Free unlimited check writing
- No monthly maintenance fee
- No minimum balance to earn rewards
- No per-check fees
- No monthly debit card fees
- Free 12/24 Phone Bank
- Free Transactions at 30,000+ CO-OP Network ATMs
- Free Transactions at 5,000+ Shared Branches Nationwide
- Link to free Kasasa Saver® to build savings automatically
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free QwikSnap Deposit – Remote Deposit Capture
- Free eStatements
- Free direct deposit
- Free text banking
- Free Visa® debit card
- $10 minimum deposit to open
It’s so easy to earn your rewards!
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 one (1) ACH debit, ACH credit, direct deposit or bill pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
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Kasasa Truth-In-Savings Disclosure
*APY=Annual Percentage Yield. APYs accurate as of 3/1/23.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Best in Show Money Market
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $35,000 - $69,999.99 | 3.250% | 3.198% |
| $70,000.00 or greater | 3.750% | 3.682% |
No dividends will be earned on the days that the minimum balance falls below $35,000.
Cash Management Account
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $2,500.00 - $9,999.99 | 0.250% | 0.250% |
| $10,000.00 or greater | 0.500% | 0.500% |
No dividends will be earned on the days that the minimum balance falls below $2,500.
Club Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Holiday | No minimum balance | 0.050% | 0.050% |
| Vacation | No minimum balance | 0.050% | 0.050% |
| Summer | No minimum balance | 0.050% | 0.050% |
Home Equity Loan - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate Home Equity | 7.250% | 5-year |
| Fixed Rate Home Equity | 7.750% | 10-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 12/19/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For home equity line of credit terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on home equity line of credit rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Horizons Account
| Minimum Balance $25,000 | APY | Dividend Rate |
|---|---|---|
| $25,000 - $99,999.99 | 1.000% | 0.995% |
| $100,000+ | 2.000% | 1.982% |
$10 monthly fee if account falls below the minimum balance of $25,000. No dividends are earned on the days that the account balance falls below the minimum balance.
Interest-Bearing Checking
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00- $2,499.99 | 0.050% | 0.050% |
| $2,500 or greater | 0.050% | 0.050% |
Minimum balance to earn dividends is $500. $10.00 monthly fee charge when balance below $500.
IRA Share Accounts
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $25 | 0.200% | 0.200% |
IRA Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
IRA Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 12 Month | 3.75% | 3.682% |
| 18 Month | 3.25% | 3.198% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
Minimum balance for IRA Share Certificates is $500.
Kasasa Cash*
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 4.000% | 3.922% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
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 one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Kasasa Saver‡
| Balance | APY | Dividend Rate |
|---|---|---|
| 0 - $25,000 | 3.000% | 2.956% |
| $25,000+ | 0.250% | 0.250% |
| All balances if qualifications not met | 0.010% | 0.010% |
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 one (1) ACH DEBIT Payment or Bill Pay transaction(s)
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
We understand life gets busy. If you don’t meet the qualifications one month, your account is still free and you can try again the following month.
Promotional Certificates
| Term | APY | Dividend Rate |
|---|---|---|
|
4.40% | 4.306% |
APY offered as of 4/19/25
The Credit Union may discontinue this offer at any time.
Second Mortgage - Rates current as of December 19, 2024
| Loan Type | APR* | Max Term |
|---|---|---|
| Fixed Rate 2nd Mortgage | 7.250% | 5-year |
| Fixed Rate 2nd Mortgage | 7.750% | 10-year |
| Fixed Rate 2nd Mortgage | 8.250% | 15-year |
*APR = Annual Percentage Rate. Rates and terms accurate as of 11/13/24. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For a fixed rate 2nd mortgage terms of 60 months estimated monthly payment of $698.02 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 7.250%. Rate assumes LTV of 90% or less. Program subject to change without notice. Member conditions apply. All loans require a completed loan application and approved credit. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.
Share Certificates $10,000 to $24,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $25,000 to $49,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $50,000+
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Certificates $500 to $9,999.99
| Term | APY | Dividend Rate |
|---|---|---|
| 3 Month | 3.50% | 3.440% |
| 6 Month | 4.00% | 3.922% |
| 12 Month | 3.75% | 3.682% |
| 24 Month | 3.00% | 2.956% |
| 36 Month | 3.00% | 2.956% |
| 60 Month | 2.50% | 2.469% |
The minimum opening deposit for all share certificates is $500.
Share Savings - Primary and Secondary
| Minimum Balance | APY | Dividend Rate |
|---|---|---|
| $0 - $499.99 | 0.00% | 0.00% |
| $500.00 - $1,999.99 | 0.050% | 0.050% |
| $2,000.00 - $4,999.99 | 0.050% | 0.050% |
| $5,000.00 - $19,999.99 | 0.050% | 0.050% |
| $20,000 or greater | 0.050% | 0.050% |
Polar Bear Kids Club and Teen Vision Club accounts automatically earn highest rate.
Vehicle Loans - Rates current as of February 14, 2025
| Loan Type | APR* | Term |
|---|---|---|
| Auto Loans - New, used and refi | As low as 5.490% | Up to 72 months |
| Recreational Vehicle - New and used | As low as 5.490% | Up to 120 months |
| Motorcycle - New, used and refi | As low as 6.990% | Up to 60 months |
*APR = Annual Percentage rate, 5.49% available on refinances from other institutions or new loans only. Subject to credit qualifications. HNCU makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.
For new car terms of 60 months estimated monthly payment of $763.86 per $40,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 5.49% APR. Rate assumes LTV of 125% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $25,000 and cannot be more than 2 years older than the current year, with FICO score of 760+.
Youth Accounts
| Account | Minimum Balance | APY | Dividend Rate |
|---|---|---|---|
| Polar Bear | No minimum balance | 0.050% | 0.050% |
| Teen Vision | No minimum balance | 0.050% | 0.050% |