Rates

Interest rate and APY may change after account is opened. Rates and APYs accurate as of 07/09/2018. Fees could reduce earnings. Rates and fees may change without notice. Loan terms are subject to approval. Rate = Dividend Rate. APY = Annual Percentage Yield.


Military Lending Act Disclosure

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (406) 727-2210 or (800) 721-2242 to receive this disclosure orally.


Select a Rates Category

Loans
Deposits
Certificates

Deposits

Kasasa Cash*

See Details
Balance Rate APY
Balances up to $10,000 1.98% 2.00%
Balances over $10,000+ 0.10% 2.00 to 0.27%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full 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 12 debit card purchases post and settle your account
  • Be enrolled and receive eStatements
  • Have at least one automatic payment (ACH) or bill pay transaction post and settle your account

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Deposits

Kasasa Saver*

See Details
Balance Rate APY
Balances up to $10,000 1.24% 1.25%
Balances over $10,000
0.10% 1.25 - 0.20%
All balances if qualifications not met 0.05% 0.05%

Qualifications
Qualifying for Kasasa Cash Checking automatically qualifies you for the highest Kasasa Saver rate. Just do the following each monthly qualification cycle on your Kasasa Cash Checking account:

  • Have 12 debit card purchases post and settle your account
  • Be enrolled and review eStatements
  • Have at least one automatic payment (ACH) or bill pay transaction post and settle your account

Deposits

Checking Accounts

Account NameRateAPY
Bronze Cache Checking 0% 0%
Silver Cache Checking 0.10% 0.10%
Golden Cache Checking 0% 0%

Deposits

Savings Accounts

Account NameMinimum Required Opening DepositRateAPY
Member Savings $25 0.10% 0.10%
Pee Wee Penguin Savings $25 0.10% 0.10%
FYI Savings $25 0.10% 0.10%
IRA Savings $100 0.55% 0.55%
Christmas Club $0 0.30% 0.30%
WINcentive Savings $5 0.10% 0.10%

Deposits

Money Market

See Details
BalanceRateAPY
$0 - $2,499.99 0.10% 0.10%
$2,500 - $49,999.99 0.20% 0.20%
$50,000 - $74,999.99 0.25% 0.25%
$75,000+ 0.35% 0.35%

Certificates

Share Certificates

See Details
TermMinimum Required Opening InvestmentRateAPY
6 month $1000 0.25% 0.25%
12 month $1000 0.35% 0.35%
24 month $1000 0.65% 0.65%
32 month* $1000 2.50% 2.53%
36 month $1000 0.95% 0.95%
48 month $1000 1.15% 1.16%

Penalty for early withdrawal - Effective 03/01/16, if you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be: less than one year = 91 days' dividends; 1-3 years = 182 days' dividends; and greater than 3 years = 365 days' dividends. The time frame is based on the original maturity date at time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

*This is a promotional rate share certificate. This certificate will not renew automatically at maturity. Please see a Member Services Representative for specific Truth in Savings disclosure for this promotional rate share certificate. This rate expires on September 28, 2018. 

Loans

Auto Loans

See Details
TypeTermFixed Rate (APR) As Low As*
2017 and newer vehicles, not over retail Up to 60 months (OAC) 3.49%
2017 and newer vehicles, not over retail Up to 72 months (OAC) 3.49%
2017 and newer vehicles, not over retail Up to 84 months (OAC) 3.99%
2008 to 2016 Up to 60 months (OAC) 3.49%
2008 to 2016 Up to 72 months (OAC) 3.74%
2008 to 2016 Up to 84 months (OAC) 3.99%
2007 and older vehicles Up to 60 months (OAC) 4.99%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $363.76 at 3.49% APR with a 60 month term; $308.29 at 3.49% APR with a 72 month term; and $273.30 at 3.99% APR with a 84 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Loans

Recreational Vehicle Loans - RV's, Travel Trailers, 5th Wheels, Boats & Boat Packages

See Details
TypeTermFixed Rate (APR) As Low As*
Recreational (2017 & newer) Up to 60 months (OAC) 3.49%
Recreational (2017 & newer) 61-120 months (OAC) 4.75%
Recreational (2017 & newer) 121-180 months (OAC) 6.75%
Recreational (2008 to 2016) Up to 60 months (OAC) 3.75%
Recreational (2008 to 2016) 61-120 months (OAC) 5.00%
Recreational (2008 to 2016) 121-144 months (OAC) 7.00%
Recreational (2007 and older) Up to 60 months (OAC) 4.75%
Recreational (2007 and older) 61-120 months (OAC) 5.25%
Recreational (2007 and older) 121-144 months (OAC) 6.75%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rates apply to motor homes, travel trailers, 5th wheels, boats and boat packages. Payment example based on a $20,000 loan: $363.76 at 3.49% APR with a 60 month term; $209.74 at 4.75% APR with a 120 month term; and $177.05 at 6.75% APR with a 180 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Loans

Toys - ATV's, Motorcycles, Snowmobiles and Personal Watercraft*

See Details

Type

Term

Fixed Rate (APR) As Low As*

2017 and newer, under 10,000 miles Up to 48 months 3.49%
2017 and newer, under 10,000 miles 49-60 months 3.49%
2017 and newer, under 10,000 miles 61-72 months 3.99%
2008 to 2016, under 15,000 miles Up to 48 months 3.99%
2008 to 2016, under 15,000 miles 49-60 months 4.24%
2008 to 2016, under 15,000 miles 61-72 months 4.74%
2007 or older or high mileage Up to 60 months 4.99%

*Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles and personal watercraft. Rates do not apply to sport bikes or off-road bikes. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $223.52 at 3.49% APR with a 48 month term; $181.88 at 3.49% APR with a 60 month term; and $156.84 at 3.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

 

Loans

Off-Road Vehicles

See Details
Type Term Fixed Rate (APR) As Low As*
2017 and newer up to 24 months 4.99%
2017 and newer 25-48 months 4.99%
2017 and newer 49-60 months 4.99%
2016 and older up to 36 months 5.75%

*Rates apply to off-road motorcycles, sport bikes, sport ATV's, dirt bikes and all other off-road bikes. Rates do not apply to street-legal motorcycles and ATV's. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.34 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

Loans

Trailers

See Details
Type Term Fixed Rate (APR) As Low As*
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) Up to 24 months 4.99%
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) 25-48 months 4.99%
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) 49-60 months 4.99%
2016 and older Up to 48 months 5.75%

*Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.06 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Loans

Other Collateral

See Details
Type Term Fixed Rate (APR) As Low As*
2017 and newer Up to 24 months 4.99%
2017 and newer 25-48 months 4.99%
2017 and newer 49-60 months 4.99%
2016 and older up to 48 months 5.75%

*Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.34 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

Loans

Home Equity Loans

See Details
TermRate
Line of Credit 4.76% - 18% Variable

Loans

Mobile Home Loans

See Details
Type Term Fixed Rate (APR) As Low As*
2014 and newer up to 60 months 6.75%
2014 and newer 61-84 months 7.75%
2014 and newer 85-144 months 8.75%
2013 and older up to 60 months 6.75%
2013 and older 61-72 months 7.75%
2013 and older 73-96 months 8.75%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. To qualify for most favorable rate, mobile homes can be up to 15 years of age.

Loans

Personal Loans

See Details
Loan TypeTypeRate
Personal Loan (up to 24 months) Fixed As low as 9.90% APR*
Personal Loan (25-36 months) Fixed As low as 9.90% APR*
Personal Loan (37-48 months) Fixed As low as 10.90% APR*
Line of Credit (Personal) Variable 11.00%**

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $92.17 at 9.90% APR with a 24 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

**Personal line of credit rate is based on the Wall Street Journal prime rate plus six percent. Rate, terms and conditions are subject to change based on market conditions.

Loans

Share Secured Loans

See Details
Loan TypeTerm
Shares Pledged 3% above highest dividend paid

Loans

Residential Land Loans

See Details
Term Rate
up to 72 months 5.25% APR
73-144 months 6.0% APR

Loans

Real Estate Loans

See Details
First Mortgage Rate
Up to 144 months 4.25% APR
145-180 months 4.75% APR

Second Mortgage Rate
Up to 144 months 4.5% APR
145-180 months 5.0% APR