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APY = Annual Percentage Yield. Fees may reduce earnings.

Savings Rates effective as of 01/29/2021.

Loan Rates effective as of 09/01/2021.

Regular Share Savings Learn More

Account   Rate APY
Regular Share Savings   0.10% 0.10%

Custom Savings Account Learn More

Account   Rate APY
Custom Share Savings   0.10% 0.10%

Christmas Club Account Learn More

Account   Rate APY
Christmas Club Account   0.10% 0.10%

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 0.15% 0.15%
6 month $1,000 0.30% 0.30%
12 month $1,000 0.35% 0.35%
24 month $1,000 0.40% 0.40%
36 month $1,000 0.60% 0.60%
48 month $1,000 0.70% 0.70%
60 month $1,000 0.75% 0.75%

Penalty for early withdrawal.

Petite Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $40,000 0.35% 0.35%
24 month $40,000 0.40% 0.40%
36 month $40,000 0.60% 0.60%
48 month $40,000 0.70% 0.70%
60 month $40,000 0.75% 0.75%

Penalty for early withdrawal.

Jumbo Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $75,000 0.44% 0.44%
24 month $75,000 0.54% 0.54%
36 month $75,000 0.64% 0.64%
48 month $75,000 0.74% 0.74%
60 month $75,000 0.84% 0.84%

Penalty for early withdrawal.

IRA Share Savings Learn More

Account   Rate APY
IRA Share Savings   0.25% 0.25%

Roth IRA Savings Account Learn More

Account   Rate APY
Roth IRA Share Savings   0.25% 0.25%

IRA Share Certificates

Term Minimum Opening Deposit Rate APY
12 month $1,000 0.35% 0.35%
24 month $1,000 0.40% 0.40%
36 month $1,000 0.60% 0.60%
48 month $1,000 0.70% 0.70%
60 month $1,000 0.75% 0.75%

Penalty for early withdrawal.

Money Market Account Learn More

Balance Minimum Opening Deposit Rate APY
$2,500-$9,999.99 $2,500 0.20% 0.20%
$10,000-$24,999.99 $2,500 0.20% 0.20%
$25,000-$39,999.99 $2,500 0.20% 0.20%
$40,000-$74,999.99 $2,500 0.20% 0.20%
$75,000-$149,999.99 $2,500 0.20% 0.20%
$150,000+ $2,500 0.20% 0.20%

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 4.00% 4.00%

New and Used Vehicle Loans Learn More

Term Fixed APR as low as
36 months 2.19%
48 months 2.19%
60 months 2.49%
72 months 2.79%
84 months 3.59%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2015 and newer

New and Used Motorcycle Loans

Term Fixed APR as low as
36 months 5.24%
48 months 5.24%
60 months 5.54%
72 months 5.74%
84 months 5.74%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

Older Model Auto Loans

Term Fixed APR as low as
36 months 5.04%
48 months 5.04%
60 months 5.04%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and older

New and Used Boat Loans

Term Fixed APR as low as
36 months 4.50%
48 months 4.50%
60 months 4.50%
72 months 5.00%
84 months 5.00%
96 months 5.25%
108 months 5.50%
120 months 5.50%
180 months 6.00%

 

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Personal Watercraft

Term Fixed APR as low as
36 months 5.74%
48 months 5.74%
60 months 5.74%
72 months 5.74%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Camping Trailer Loans - 18 feet max

Term Fixed APR as low as
36 months 4.25%
48 months 4.25%
60 months 4.25%

 

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used Travel Trailer / Fifth Wheel

Term Fixed APR as low as
36 months 4.50%
48 months 4.50%
60 months 4.50%
72 months 5.00%
84 months 5.00%
96 months 5.25%
108 months 5.50%
120 months 5.50%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

New and Used RV / Motor Home Loans

Term Fixed APR as low as
36 months 4.25%
48 months 4.25%
60 months 4.25%
72 months 4.50%
84 months 4.75%
96 months 5.50%
108 months 5.50%
120 months 5.50%
180 months 5.75%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment. Model Year 2014 and newer

Personal Loans

Loan Type Term Fixed APR as low as
Line of Credit Varies 11.74%
Signature Varies 7.74%
Share/CD Secured Varies Floor of 6.00%

APR = Annual Percentage Rate. Subject to individual credit worthiness and other qualifications, as deemed necessary. Rate includes a 0.25% discount for automatic payment/direct deposit of payment.