Rates effective as of May 8, 2017.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Interest Rate APY
On balance up to $15,000 If qualifications are met
$25 2.47% 2.50%
On amount of balance over $15,000 If qualifications are met
$25
0.50% 2.50% to 0.50%
On entire balance If qualifications not met $25 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Have at least 12 debit card purchases post and settle

Kasasa Saver* See Details

Balance Interest Rate APY
On balance up to $15,000 If qualifications are met 1.24% 1.25%
On amount of balance over $15,000 If qualifications are met 0.50% 1.25% to 0.50%
On entire balance If qualifications not met 0.05% 0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Have at least 12 debit card purchases post and settle

Certificates of Deposit (CDs) ^ See Details

TermMinimum Balance to OpenMinimum Balance to Earn APYAPY
3 month $500 $500 0.15%
6 month $500 $500 0.20%
12 month $500 $500 0.25%
18 month $500 $500 0.40%
24 month $500 $500 0.50%
30 month $500 $500 0.60%
36 month $500 $500 0.75%
48 month $500 $500 0.90%

^Penalties may apply for early withdrawal.

Checking & Savings

Account Minimum to Open Minimum Balance to Earn APY APY
Personal Savings $10 $10 0.10%
Health Savings Account $25 $25 0.01%

Clear Choice Money Market See Details

Minimum to Open Minimum Balance to Earn APY APY
$10 $10 0.10%
$10 $25,000 0.15%
$10 $100,000 0.20%

Mortgage Rates See Details

Personal Loans

Loan TypeAPRMaximum AmountMaximum TermMaximum L-T-VMonthly Payment per $1,000
Home Equity Line of Credit3 4.00% N/A 20 yrs.4 80% $3.33
Home Improvement Loan 9.50% $10,000 7 yrs. N/A $16.74

Auto Loans See Details

LoanTermAPRDown PaymentMonthly Payment per $1,000
New / Used Vehicle (2016-2017) 60 mo. 4.50% 10% $29.75
with Checking and Autopayment 60 mo. 4.25% 10% $29.64
Used Vehicle (2015 and older) 48 mo. 5.00% 20% $29.97
with Checking and Autopayment 48 mo. 4.75% 20% $29.86

** APR = Annual Percentage Rate

*APY=Annual Percentage Yield. APYs accurate as of 05/08/2017. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $10 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 2.50%; and (3) balances over $15,000 earn 0.50% interest rate on the portion of the balance over $15,000, resulting in 0.50% - 2.50% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $15,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $15,000 in Kasasa Saver earn 0.50% interest rate on portion of balance over $15,000, resulting in 0.50% - 1.25% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

*APY=Annual Percentage Yield. APYs accurate as of 05/08/2017. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash Back and $10 for Kasasa Saver. When monthly qualifications are met, you will receive 4% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $15,000 in Kasasa Saver receive an APY of 1.25%; and (2) balances over $15,000 in Kasasa Saver earn 0.50% interest rate on the portion of the balance over $15,000, resulting in 1.25% - 0.50% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

3. For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18% and there is a $20 annual fee. Property insurance is required for all home equity products. Other closing costs may apply.

4. Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.

Interest is compounded daily for Certificates, Regular Savings, Kasasa Cash, Kasasa Cash Back, Performance Account, Health Savings NOW, Clear Choice Money Market accounts. The Annual Percentage Yield (APY) is accurate as of the date shown above. Fees could reduce earnings on the account. Please refer to our Fee Schedule. Rates on Savings and Checking accounts may change after the account is opened. A penalty may be imposed for early withdrawal from Certificates of Deposit funds equaling 6 months interest on original maturities longer than 12 months, and 3 months interest on original maturities of 12 months or less.

Rates are subject to change at any time.

 

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