Rates

APY = Annual Percentage Yield. Rates effective as of February 1, 2015. Fees may reduce earnings.

Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $5,000 $25 2.47% 2.50%
$5,000+ $25 0.1375% 2.50% to 0.25%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

Qualifying to earn your Kasasa Cash 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 eStatement notice
  • Be enrolled and log into online banking at least once

If you don't meet the qualifications one month, don't worry — your Kasasa Cash account is still free, and it still earns our base dividend rate. Plus, you can get right back to earning your rewards the very next month!

Kasasa Saver*

Balance Minimum Required Opening Deposit Rate APY
0 - $5,000 $25 0.75% 0.75%
$5,000+ $25 0.225% 0.75% to 0.25%
Qualifications not met $25 0.01% 0.01%

Qualifications

Qualifying for the Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking at least once

See? No problem. And if you don't meet the qualifications, don't worry — your Kasasa accounts are still free, and Kasasa Saver still earns our base dividend rate. Plus, you can get right back to earning your rewards the very next month.

Share Accounts

Account Rate APY
Share Savings 0.10% 0.10%
IRA Savings 0.52% 0.52%
Custom Shares 0.10% 0.10%
Christmas Club 0.10% 0.10%
Health Savings Account 0.35% 0.35%

Youth Certificates

Account Term Rate APY
Sand Dollar Club 12 Month 0.29% 0.29%
Wave Riders Club 12 Month 0.29% 0.29%

$200 minimum deposit to open. Requires parent/guardian. Penalty for early withdrawal.

Regular Share Certificates

TermMinimum Opening DepositRateAPY
3 month $1000 0.31% 0.31%
6 month $1000 0.46% 0.46%
12 month $1000 0.77% 0.77%
24 month $1000 1.00% 1.01%
36 month $1000 1.19% 1.20%
48 month $1000 1.39% 1.40%
60 month $1000 1.74% 1.75%

Penalty for early withdrawal.

Petite Share Certificates

TermMinimum Opening DepositRateAPY
12 month $40,000 0.85% 0.85%
24 month $40,000 1.07% 1.08%
36 month $40,000 1.29% 1.30%
48 month $40,000 1.44% 1.45%
60 month $40,000 1.84% 1.85%

Penalty for early withdrawal.

Jumbo Share Certificates

TermMinimum Opening DepositRateAPY
12 month $75,000 0.89% 0.89%
24 month $75,000 1.10% 1.11%
36 month $75,000 1.34% 1.35%
48 month $75,000 1.54% 1.55%
60 month $75,000 1.89% 1.90%

Penalty for early withdrawal.

IRA Share Certificates

TermMinimum Opening DepositRateAPY
12 month $1000 0.70% 0.70%
24 month $1000 0.80% 0.80%
36 month $1000 1.05% 1.06%
48 month $1000 1.24% 1.25%
60 month $1000 1.735% 1.75%

Penalty for early withdrawal.

Money Market Account

BalanceMinimum Opening DepositRateAPY
$2,500-$9,999.99 $2,500 0.31% 0.31%
$10,000-$24,999.99 $2,500 0.35% 0.35%
$25,000-$39,999.99 $2,500 0.35% 0.35%
$40,000-$74,999.99 $2,500 0.41% 0.41%
$75,000-$149,999.99 $2,500 0.45% 0.45%
$150,000+ $2,500 0.55% 0.55%

Mortgage Rates

Type of LoanRateAPR
30-Year Fixed Click for Rates Click for Rates
15-Year Fixed Click for Rates Click for Rates
10-Year Fixed Click for Rates Click for Rates
Residential Lot Loan As Low as 7.00% 7.146%
Adjustable Rate Home Equity Line of Credit As Low as 5.00% 5.00%

Loans

Term Fixed APR as low as
Vehicle (new or used)1
24 month 2.24%
36 month 2.24%
48 month 2.24%
60 month 2.24%
72 month 2.34%
84 month 3.74%
Motorcycles and PWC (new or used)1
24 month 5.24%
36 month 5.24%
48 month 5.24%
60 month 5.24%
72 month 5.34%
Camping Trailers - 15 feet max (new or used)1
24 month 5.24%
36 month 5.24%
48 month 5.24%
60 month 5.24%
Travel Trailers & Boats (new or used)1
24 month 4.74%
36 month 4.74%
48 month 4.74%
60 month 4.74%
72 month 4.84%
84 month 6.24%
96 month 6.99%
108 month 7.49%
120 month 7.49%
Motor Homes (new or used)1
48 month 5.24%
60 month 5.24%
72 month 5.34%
84 month 6.74%
96 month 7.24%
108 month 7.49%
120 month 7.69%
132 month 7.99%
Overdraft Line of Credit
Varies 17.50%
Signature
Varies 7.99%
CD Secured
Varies Floor of 6.00%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary.

An additional 3% is added to the rate for Models 2009 or older.