Rates

Rates effective as of May 8, 2012

Checking Rates

Kasasa CashAPY*
$0.01 - $10,0003.25%
$10,000.01+1.00%
If Qualifications Are Not Met0.10%

Dividend Rates

Share TypesBalanceAPY*
Kasasa Saver$0.00 - $10,0002.00%
 $10,000+1.00%
 If Qualifications Are Not Met0.10%
Regular Shares$5.00 - $100.000.10%
 $100.01 - $1,000.000.25%
 Over $1,000.000.50%
Christmas ClubNo minimum balance0.50%
Vacation ClubNo minimum balance0.50%
Special SharesNo minimum balance0.50%
Morey the Moose Savings AccountNo minimum balance0.70%
IRA SharesNo minimum balance0.70%
CertificatesMinimumAPY*
3 month Certificate$1,000.000.20%
6 month Certificate$1,000.000.45%
1 year Certificate$1,000.000.70%
18 month Certificate$1,000.000.90%
1 year Morey the Moose Certificate$500.000.90%
1 year Simple Saver Certificate$500.000.30%
18 month IRA Certificate$1000.001.00%
18 month Roth IRA Certificate$1,000.001.00%
18 month Roth Conversion IRA Certificate$1,000.001.00%
Money Market AccountsBalanceAPY*
$2,500.00 - $9,999.990.40%
$10,000.00 - $24,999.990.55%
$25,000.00 - $49,999.990.65%
$50,000.00 and above0.65%

Loan Rates

Type of LoanTermsAPR**
Vehicle loan - new 2010/2011VariesAs low as 4.00% APR
Vehicle loan - used 2010VariesAs low as 4.00% APR
Vehicle loan - used 2008/2009VariesAs low as 5.00% APR
Vehicle loan - used 2005 - 2007VariesAs low as 6.00% APR
Vehicle loan - used 2004 and olderVariesAs low as 7.00% APR
Boats and motor homesVariesAs low as 4.00% 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 8.95% APR
Personal propertyVariesAs low as 8.95% APR

*APY is the Annual Percentage Yield which considers compounding effect.

**APR is the Annual Percentage Rate.