APY = Annual Percentage Yield. Rates effective as of December 13, 2023. Fees may reduce earnings.

Kasasa Cash* Learn More

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‡ Back to Top Learn More

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.

Share Savings - Primary and Secondary Back to Top Learn More

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.

IRA Share Accounts Back to Top Learn More

Minimum Balance APY Dividend Rate
$25 0.200% 0.200%

Interest-Bearing Checking Back to Top Learn More

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.

Club Accounts Back to Top Learn More

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%

Youth Accounts Back to Top Learn More

Account Minimum Balance APY Dividend Rate
Polar Bear No minimum balance 0.050% 0.050%
Teen Vision No minimum balance 0.050% 0.050%

Horizons Account Back to Top

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.

Cash Management Account Back to Top

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.

Share Certificates $500 to $9,999.99 Back to Top Learn More

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 Certificates $10,000 to $24,999.99 Back to Top Learn More

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 Back to Top Learn More

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+ Back to Top Learn More

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.

IRA Share Certificates $500 to $9,999.99 Back to Top Learn More

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.

IRA Share Certificates $10,000 to $24,999.99 Back to Top Learn More

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 Back to Top Learn More

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+ Back to Top Learn More

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.

Vehicle Loans - Rates current as of November 15, 2023 Back to Top Learn More

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+.

Home Equity Loan - Rates current as of November 15, 2023 Back to Top Learn More

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.

Second Mortgage Back to Top Learn More

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.

Annual Percentage Yields are accurate as of publication date and are subject to change without notice. Dividends are compounded daily and credited monthly on all accounts. The dividend period for all accounts is the calendar month. Additional deposits are not allowed on Share Certificates and IRA Share Certificates. Penalties apply for early withdrawal. Penalty may decrease principal. No monthly maintenance fee for Share Certificates and IRA Share Certificates. Please see Truth-in-Savings or Certificates disclosures for specific account requirements and restrictions.