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APY = Annual Percentage Yield. Rates effective as of 11/08/2019. Fees may reduce earnings.

Kasasa Cash* Learn More

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* Learn More

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%
All balances if 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.

Youth Certificates Learn More

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 Learn More

Term Minimum Opening Deposit Rate APY
3 month $1,000 0.51% 0.51%
6 month $1,000 1.15% 1.16%
12 month $1,000 1.59% 1.60%
24 month $1,000 1.86% 1.88%
36 month $1,000 1.97% 1.99%
48 month $1,000 2.12% 2.14%
60 month $1,000 2.22% 2.24%

Penalty for early withdrawal.

Petite Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $40,000 1.59% 1.60%
24 month $40,000 1.86% 1.88%
36 month $40,000 1.97% 1.99%
48 month $40,000 2.12% 2.14%
60 month $40,000 2.22% 2.24%

Penalty for early withdrawal.

Jumbo Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $75,000 1.89% 1.91%
24 month $75,000 1.96% 1.98%
36 month $75,000 2.15% 2.17%
48 month $75,000 2.22% 2.24%
60 month $75,000 2.32% 2.34%

Penalty for early withdrawal.

IRA Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $1,000 1.59% 1.60%
24 month $1,000 1.86% 1.88%
36 month $1,000 1.97% 1.99%
48 month $1,000 2.12% 2.14%
60 month $1,000 2.22% 2.24%

Penalty for early withdrawal.

Money Market Account Learn More

Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.56% 0.56%
$10,000-$24,999.99 $2,500 0.61% 0.61%
$25,000-$39,999.99 $2,500 0.61% 0.61%
$40,000-$74,999.99 $2,500 0.66% 0.66%
$75,000-$149,999.99 $2,500 0.71% 0.71%
$150,000+ $2,500 0.80% 0.80%

Mortgage Rates Learn More

Type of Loan Rate APR
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 5.50% 5.50%

New Vehicle Loans Learn More

Term Fixed APR as low as
36 month 3.49%
48 month 3.49%
60 month 3.79%
72 month 4.00%
84 month 5.49%

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

Used Vehicle Loans Learn More

Model Year Fixed APR as low as
2013-2015 Add 1% to above rates
2012 and older Add 2% to above rates

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

New Motorcycle and PWC Loans

Term APR
24 month 6.50%
36 month 6.50%
48 month 6.50%
60 month 6.50%
72 month 6.50%

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

Used Motorcycle and PWC Loans

Model Year Fixed APR as low as
2013-2015 Add 1% to above rates
2012 and older Add 2% to above rates

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

New Camping Trailer Loans - 15 feet max

Term APR
36 month 4.75%
48 month 4.75%
60 month 4.75%

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

Used Camping Trailer Loans - 15 feet max

Model Year Fixed APR as low as
2013-2015 Add 1% to above rates
2012 and older Add 2% to above rates

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

New Travel Trailer & Boat Loans

Term APR
36 month 4.75%
48 month 4.75%
60 month 4.75%
72 month 5.50%
84 month 5.50%
96 month 6.00%
108 month 6.00%
120 month 6.00%

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

Used Travel Trailer & Boat Loans

Model Year Fixed APR as low as
2013-2015 Add 1% to above rates
2012 and older Add 2% to above rates

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

New Motor Home Loans

Term APR
48 month 4.75%
60 month 4.75%
72 month 5.50%
84 month 5.50%
96 month 6.00%
108 month 6.00%
120 month 6.00%
132 month 7.00%

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

Used Motor Home Loans

Model Year Fixed APR as low as
2013-2015 Add 1% to above rates
2012 and older Add 2% to above rates

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

Personal Loans

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.99%
Signature Varies 8.99%
Share/CD Secured Varies Floor of 6.00%

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