Rates

Rates effective as of April 16, 2014

APY = Annual Percentage Yield (which considers compounding effect)



Checking Rates

Kasasa Cash*Dividend RateAPY
$0.01 - $10,0003.20%3.25%
$10,000.01+0.50%3.25% - 0.75%
If Qualifications Are Not Met0.10%0.10%

To receive Kasasa Cash rewards simply do the following each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice

Dividend Rates

Kasasa Saver*Dividend RateAPY
$0.01 - $10,0001.24%1.25%
$10,000.01+0.50%1.25% - 0.57%
If Qualifications Are Not Met0.10%0.10%

To receive Kasasa Cash rewards for Saver simply do the following each monthly qualification cycle in Kasasa Cash:

  • Have at least 10 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice
Share TypesBalanceAPY
Regular Shares$5.00 - $100.000.05%
 $100.01 - $1,000.000.10%
 Over $1,000.000.25%
Christmas ClubNo minimum balance0.25%
Vacation ClubNo minimum balance0.25%
Special SharesNo minimum balance0.25%
Morey the Moose Savings AccountNo minimum balance0.25%
IRA SharesNo minimum balance0.35%
CertificatesMinimumAPY
3 month Certificate$1,000.000.15%
6 month Certificate$1,000.000.25%
12 month Certificate$1,000.000.40%
18 month Certificate$1,000.000.50%
12 month Morey the Moose Certificate$500.000.50%
12 month Simple Saver Certificate$500.000.40%
18 month IRA Certificate$1000.000.60%
18 month Roth IRA Certificate$1,000.000.60%
18 month Roth Conversion IRA Certificate$1,000.000.60%
Money Market AccountsBalanceAPY
$2,500.00 - $9,999.990.20%
$10,000.00 - $24,999.990.25%
$25,000.00 - $49,999.990.30%
$50,000.00 and above0.35%

Loan Rates

Type of LoanTermsAPR**
Vehicle loan - new 2014 - 2013VariesAs low as 2.90% APR
Vehicle loan - used 2012 - 2011VariesAs low as 3.90% APR
Vehicle loan - used 2010 - 2008VariesAs low as 4.90% APR
Vehicle loan - used 2007 and olderVariesAs low as 5.90% APR
Boats and motor homesVariesAs low as 2.90% APR
Home equity loan program

H.E.L.P. loans are open-end variable rate lines of credit

Based on prime +/- marginAs low as 4.25% APR
Fixed rate, closed-end Home Equity Loan ProgramBased on prime +/- marginAs low as 4.25% APR
Personal loansVariesAs low as 7.95% APR
Personal propertyVariesAs low as 8.95% APR

**APR is the Annual Percentage Rate.