APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates and APYs accurate as of April 1, 2025.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.
Free Kasasa Cash Checking*
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| Balance |
Rate |
APY |
| 0 to $25,000 |
3.9285% |
4.00% |
| $25,000+ |
0.25% |
4.00% to 1.00% |
| All balances if qualifications not met |
0.05% |
0.05% |
| 0 to $25,000 |
|---|
| Rate | 3.9285% |
| APY | 4.00% |
| $25,000+ |
|---|
| Rate | 0.25% |
| APY | 4.00% to 1.00% |
| All balances if qualifications not met |
|---|
| Rate | 0.05% |
| APY | 0.05% |
Qualifications to Earn Rewards
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 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That’s seriously it. And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
| Balance |
Rate |
APY |
| 0 to $25,000 |
2.4718% |
2.50% |
| $25,000+ |
0.25% |
2.50% to 0.70% |
| All balances if qualifications not met |
0.05% |
0.05% |
| 0 to $25,000 |
|---|
| Rate | 2.4718% |
| APY | 2.50% |
| $25,000+ |
|---|
| Rate | 0.25% |
| APY | 2.50% to 0.70% |
| All balances if qualifications not met |
|---|
| Rate | 0.05% |
| APY | 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 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
| Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| Variable |
$5.00 |
$100.00 |
0.25% |
| Variable |
|---|
| Minimum Deposit to Open | $5.00 |
| Minimum Balance to Earn APY | $100.00 |
| APY | 0.25% |
Youth Checking Account
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| Balance |
Rate |
APY |
| 0-$500 |
4.909% |
5.00% |
| $500.01+ |
0.00% |
0.00% |
| 0-$500 |
|---|
| Rate | 4.909% |
| APY | 5.00% |
| $500.01+ |
|---|
| Rate | 0.00% |
| APY | 0.00% |
APY = Annual Percentage Yield. APY's accurate as of April 1, 2025.
Youth Savings Accounts
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| Balance |
Rate |
APY |
| 0-$500 |
4.909% |
5.00% |
| $500.01+ |
0.10% |
0.10% |
| 0-$500 |
|---|
| Rate | 4.909% |
| APY | 5.00% |
| $500.01+ |
|---|
| Rate | 0.10% |
| APY | 0.10% |
APY = annual percentage yield. APYs accurate as of April 1, 2025. Insured by NCUA.
| Amount |
Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| $1,000 - $9,999.99 |
Variable |
$1,000 |
$1,000 |
0.50% |
| $10,000 - $49,999.99 |
Variable |
$10,000 |
$10,000 |
0.65% |
| $50,000 - $99,999.99 |
Variable |
$50,000 |
$50,000 |
0.75% |
| $100,000+ |
Variable |
$100,000 |
$100,000 |
1.00% |
| $1,000 - $9,999.99 |
|---|
| Type | Variable |
| Minimum Deposit to Open | $1,000 |
| Minimum Balance to Earn APY | $1,000 |
| APY | 0.50% |
| $10,000 - $49,999.99 |
|---|
| Type | Variable |
| Minimum Deposit to Open | $10,000 |
| Minimum Balance to Earn APY | $10,000 |
| APY | 0.65% |
| $50,000 - $99,999.99 |
|---|
| Type | Variable |
| Minimum Deposit to Open | $50,000 |
| Minimum Balance to Earn APY | $50,000 |
| APY | 0.75% |
| $100,000+ |
|---|
| Type | Variable |
| Minimum Deposit to Open | $100,000 |
| Minimum Balance to Earn APY | $100,000 |
| APY | 1.00% |
Federal Regulation D limits the number of transactions on Money Market Accounts. A combined maximum of six transfers per month per account can be made by following methods: Online transfers, telephone transfers, preauthorized transfers, ACH debits, faxes, money market checks. Dividends on Money Market Accounts are calculated on the daily average balance and paid monthly. Money Market account rates are subject to change monthly.
| Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| Variable |
$0.00 |
$0.00 |
0.25% |
| Variable |
|---|
| Minimum Deposit to Open | $0.00 |
| Minimum Balance to Earn APY | $0.00 |
| APY | 0.25% |
Funds transferred to your primary share account on November 1st.
Certificate Accounts
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| Amount |
Term |
Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| $1,000+ |
6 Month |
Fixed |
$1,000.00 |
$1,000.00 |
4.00% |
| $1,000+ |
9 Month |
Fixed |
$1,000.00 |
$1,000.00 |
3.50% |
| $1,000+ |
12 Month |
Fixed |
$1,000.00 |
$1,000.00 |
3.25% |
| $1,000+ |
|---|
| Term | 6 Month |
| Type | Fixed |
| Minimum Deposit to Open | $1,000.00 |
| Minimum Balance to Earn APY | $1,000.00 |
| APY | 4.00% |
| $1,000+ |
|---|
| Term | 9 Month |
| Type | Fixed |
| Minimum Deposit to Open | $1,000.00 |
| Minimum Balance to Earn APY | $1,000.00 |
| APY | 3.50% |
| $1,000+ |
|---|
| Term | 12 Month |
| Type | Fixed |
| Minimum Deposit to Open | $1,000.00 |
| Minimum Balance to Earn APY | $1,000.00 |
| APY | 3.25% |
Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.
| Account |
Amount |
Term |
Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| Roth IRA Certificate |
$500+ |
12 month |
Fixed |
$500.00 |
$500.00 |
3.25% |
| Traditional IRA Certificate |
$500+ |
12 month |
Fixed |
$500.00 |
$500.00 |
3.25% |
| Roth IRA Certificate |
|---|
| Amount | $500+ |
| Term | 12 month |
| Type | Fixed |
| Minimum Deposit to Open | $500.00 |
| Minimum Balance to Earn APY | $500.00 |
| APY | 3.25% |
| Traditional IRA Certificate |
|---|
| Amount | $500+ |
| Term | 12 month |
| Type | Fixed |
| Minimum Deposit to Open | $500.00 |
| Minimum Balance to Earn APY | $500.00 |
| APY | 3.25% |
Contribution limits and penalty for early withdrawal may apply. Certificate dividends are paid at maturity.
| Account |
Type |
Minimum Deposit to Open |
Minimum Balance to Earn APY |
APY |
| Roth IRA |
Variable |
$0.00 |
$0.00 |
0.75% |
| Traditional IRA |
Variable |
$0.00 |
$0.00 |
0.75% |
| Roth IRA |
|---|
| Type | Variable |
| Minimum Deposit to Open | $0.00 |
| Minimum Balance to Earn APY | $0.00 |
| APY | 0.75% |
| Traditional IRA |
|---|
| Type | Variable |
| Minimum Deposit to Open | $0.00 |
| Minimum Balance to Earn APY | $0.00 |
| APY | 0.75% |
| Product |
APR |
| New Auto (2023 and newer) |
4.87% - 16.75% |
| Used Auto (2022 and older) |
5.87% - 17.75% |
| New Auto (2023 and newer) |
|---|
| APR | 4.87% - 16.75% |
| Used Auto (2022 and older) |
|---|
| APR | 5.87% - 17.75% |
For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.
Recreational Vehicles
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| Product |
APR |
| New Recreational Vehicle1 |
7.47% - 16.75% |
| Used Recreational Vehicle1 |
7.47% - 16.75% |
| New Boat2 |
7.47% - 16.75% |
| Used Boat2 |
7.47% - 16.75% |
| Motorcycle |
7.47% - 17.75% |
| Other Motorized Vehicles3 |
7.47% - 17.75% |
| New Recreational Vehicle1 |
|---|
| APR | 7.47% - 16.75% |
| Used Recreational Vehicle1 |
|---|
| APR | 7.47% - 16.75% |
| New Boat2 |
|---|
| APR | 7.47% - 16.75% |
| Used Boat2 |
|---|
| APR | 7.47% - 16.75% |
| Motorcycle |
|---|
| APR | 7.47% - 17.75% |
| Other Motorized Vehicles3 |
|---|
| APR | 7.47% - 17.75% |
1Motorhome, Trailer, 5th Wheel and the like
2Recreational/Titled
3ATV, Snowmobile, Jet Ski and the like
| Product |
APR |
| Rewards |
10.50% - 17.50% |
| Traditional |
9.90% - 16.50% |
| Rewards |
|---|
| APR | 10.50% - 17.50% |
| Traditional |
|---|
| APR | 9.90% - 16.50% |
| Product |
APR |
| Debt Consolidation |
9.97% - 17.75% |
| Personal/Unsecured |
9.97% - 17.75% |
| 4 Seasons Loan1 |
7.97% |
| Debt Consolidation |
|---|
| APR | 9.97% - 17.75% |
| Personal/Unsecured |
|---|
| APR | 9.97% - 17.75% |
| 4 Seasons Loan1 |
|---|
| APR | 7.97% |
1New money only, up to $10,000, 24 Month Term
| Product |
APR |
| Savings Account |
3.50% |
| Certificate Account |
3.50% |
| Savings Account |
|---|
| APR | 3.50% |
| Certificate Account |
|---|
| APR | 3.50% |
For current Annual Percentage Rate information call 800-666-7328.
