APY = Annual Percentage Yield. Rates and APYs accurate as of January 1, 2021.

Deposit rates and rewards are variable and may change after account is opened. CD rates are fixed. Fees may reduce earnings.

Deposit Rates

Kasasa Cash®* Learn More

Balance Minimum Opening Deposit Interest Rate APY
$0 to $10,000 $50 1.98% 2.00%
$10,000+ $50 0.20% 2.00% to 0.36%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications to Earn Rewards

Just do a few simple things you're probably already doing. 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 15 debit card purchases, each greater than $7
  • At least 1 direct deposit or ACH credit transaction post and settle
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver® Learn More

Balance Minimum Opening Deposit Interest Rate APY
$0 to $20,000 $50 0.75% 0.75%
$20,000+ $50 0.10% 0.75% to 0.21%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for your 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 15 debit card purchases, each greater than $7
  • At least 1 direct deposit or ACH credit transaction post and settle
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Money Market Checking Learn More

Minimum Balance to Open Interest Rate APY
$1,000 0.05% 0.05%

Savings

Account Interest Rate APY
Basic Savings 0.05% 0.05%
Youth Savings – 18 & under 0.05% 0.05%
Club Savings 0.05% 0.05%

Money Market Investment (other than Municipal accounts) Learn More

Minimum Balance to Earn APY Interest Rate APY
$1,000 0.05% 0.05%
$10,000 0.08% 0.08%
$25,000 0.10% 0.10%
$50,000 0.10% 0.10%
$250,000 0.15% 0.15%

Certificates of Deposit Learn More

Type / Term Minimum Balance to Open and Earn APY Interest Rate APY
Starter CD (1 year) $500 0.05% 0.05%
1 Year-Renewal Once* $10,000 0.30% 0.30%
1 Month CD $1,000 0.05% 0.05%
3 Month CD $1,000 0.10% 0.10%
6 Month CD $1,000 0.15% 0.15%
12 Month CD $1,000 0.20% 0.20%
18 Month CD $1,000 0.25% 0.25%
24 Month CD $1,000 0.30% 0.30%
30 Month CD $1,000 0.35% 0.35%
36 Month CD $1,000 0.50% 0.50%
48 Month CD $1,000 0.60% 0.60%
60 Month CD $1,000 0.75% 0.75%

Individual Retirement Accounts

Type / Term Minimum Balance to Open and Earn APY Interest Rate APY
Variable IRA** $250 0.15% 0.15%
Fixed IRA*** $1,000 *** ***

• Penalty for early withdrawals (including substantial tax penalties on IRAs), consult your tax advisor (CDs & IRAs).
• Fees could reduce earnings (Checking and Savings Accounts).
• Interest is compounded daily.
* Guaranteed renewable once at the same rate or higher.
** Variable rate tied to 6 month CD rate; may change at any time determined by the Bank at our discretion.
*** Same as the term selected from the CDs listed of one year or longer.
**** Non-public institutions only. New money only, funds currently on deposit are not eligible for the promotional rate.

Loan Rates

Conventional Residential Mortgages Learn More

Rates as low as 2.65% APR. Call for details.

New Vehicles Learn More

Credit Score APR
750+ 3.25% to 4.25%
700-749 3.75% to 4.75%
650-699 4.75% to 5.75%
600-649 7.25% to 8.25%
<600 8.25% to 9.25%

0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months

APR based on term of loan. Call for details.

Used Vehicles Learn More

Year APR
(Credit Score 750+)
APR
(Credit Score 700-749)
APR
(Credit Score 650-699)
APR
(Credit Score 600-649)
APR
(Credit Score <600)
2019 & 2020 4.75% 5.25% 6.25% 9.25% 10.25%
2017 & 2018 5.10% 5.60% 7.75% 10.75% 13.30%
2016 & prior 5.75% 6.25% 9.25% 12.75% 15.50%

0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months

Call for terms

Motorcycle Rates Learn More

Type APR
(Credit Score 750+)
APR
(Credit Score 700-749)
APR
(Credit Score 650-699)
APR
(Credit Score 600-649)
APR
(Credit Score <600)
New Road Bikes 4.25% 5.00% 6.50% 9.00% 11.25%
Used Road Bikes 6.00% 7.25% 9.50% 13.00% 15.75%

0.25% discount available when paid on an AFT basis and loan maturity is no longer than 60 months

Call for terms