Borrow based on your financial activity and remove the guesswork

Take advantage of the best rate on a secured loan or access up to $15,000 with an unsecured loan today.

Benefits You’ll Love

  • Get competitive interest rates on secured loans
  • Cover a wide variety of needs with an unsecured loan up to $15,000
  • Access unique, customizable terms that align with your budget
  • Enjoy fast, local decision-making and processing

All loans require a completed loan application and approved credit. Some restrictions may apply. Please refer to the Membership & Account Agreement, Truth-in-Savings Disclosures, Loan Agreements and Fee Schedule for specific account requirements and restrictions.

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

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2. Loan Details
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Share Certificate CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total paid $0
  • Total interest paid $0

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 November 15, 2023

Loan Type APR* Max Term
Fixed Rate Home Equity 8.250% 5-year
Fixed Rate Home Equity 8.750% 10-year

*APR = Annual Percentage Rate. Rates and terms accurate as of 11/15/23. 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 $714.92 per $35,000 borrowed. Payment is based on home equity line of credit rate of 8.250%. 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 4.750% 4.641%
18 Month 4.050% 3.970%
36 Month 2.550% 2.520%
60 Month 3.050% 3.010%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $25,000 to $49,999.99

Term APY Dividend Rate
12 Month 4.750% 4.641%
18 Month 4.150% 4.066%
36 Month 2.650% 2.620%
60 Month 3.150% 3.110%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $50,000+

Term APY Dividend Rate
12 Month 4.750% 4.641%
18 Month 4.250% 4.162%
36 Month 2.750% 2.720%
60 Month 3.260% 3.210%

Minimum balance for IRA Share Certificates is $500.

IRA Share Certificates $500 to $9,999.99

Term APY Dividend Rate
12 Month 4.750% 4.641%
18 Month 3.950% 3.874%
36 Month 2.450% 2.420%
60 Month 2.950% 2.910%

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.

Second Mortgage

Loan Type APR* Max Term
Fixed Rate 2nd Mortgage 8.250% 5-year
Fixed Rate 2nd Mortgage 8.750% 10-year
Fixed Rate 2nd Mortgage 9.250% 15-year

*APR = Annual Percentage Rate. Rates and terms accurate as of 5/4/23. 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 $717.05 per $35,000 borrowed. Payment is based on fixed rate 2nd mortgage rate of 8.250%. 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 2.000% 1.980%
6 Month 5.000% 4.879%
12 Month 4.750% 4.641%
24 Month 4.000% 3.922%
36 Month 2.500% 2.470%
60 Month 3.000% 2.960%

The minimum opening deposit for all share certificates is $500.

Share Certificates $25,000 to $49,999.99

Term APY Dividend Rate
3 Month 2.100% 2.078%
6 Month 5.000% 4.879%
12 Month 4.750% 4.641%
24 Month 4.000% 3.922%
36 Month 2.600% 2.570%
60 Month 3.100% 3.060%

The minimum opening deposit for all share certificates is $500.

Share Certificates $50,000+

Term APY Dividend Rate
3 Month 2.200% 2.176%
6 Month 5.000% 4.879%
12 Month 4.750% 4.641%
24 Month 4.000% 3.922%
36 Month 2.700% 2.670%
60 Month 3.210% 3.160%

The minimum opening deposit for all share certificates is $500.

Share Certificates $500 to $9,999.99

Term APY Dividend Rate
3 Month 1.900% 1.880%
6 Month 5.000% 4.879%
12 Month 4.750% 4.641%
24 Month 3.900% 3.826%
36 Month 2.400% 2.370%
60 Month 2.900% 2.860%

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 November 15, 2023

Loan Type APR* Term
Auto Loans - New, used and refi As low as 7.14% Up to 72 months
Recreational Vehicle - New and used As low as 7.14% Up to 120 months
Motorcycle - New, used and refi As low as 7.49% Up to 60 months

Rates current as of November 15, 2023. *APR= Annual Percentage Rate. 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 new car terms of 60 months estimated monthly payment of $496.73 per $25,000 borrowed. Minimum auto loan is $1,000. Payment is based on new car rate of 7.14% 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%