Rates

Interest rate and APY may change after account is opened. APYs accurate as of 01/01/2016. Fees could reduce earnings. Rates and fees may change without notice. Loan terms are subject to approval. Rate = Dividend Rate. APY = Annual Percentage Yield.

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Loans
Deposits
Certificates

Deposits

Kasasa Cash*

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Balance Rate APY
Balances up to $10,000 2.48% 2.51%
Balances over $10,000+ 0.10% 2.51 to 0.25%
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 1.50% 1.51%
Balances over $10,000
0.10% 1.51 - 0.19%
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%

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

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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%
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.

Loans

Home Equity Loans

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TermRate
Line of Credit 4.50% Variable
0 - 120 Months (up to 10 years) 3.25% Fixed
121 - 180 Month (up to 15 years) 4.25% Fixed

Loans

Auto Loans

See Details
TypeTermFixed Rate (APR) As Low As*
2010 and newer vehicles, not over retail Up to 72 months (OAC) 2.75%
2009 and older vehicles Up to 72 months (OAC) 3.75%

*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.

Loans

Personal Loans

See Details
Loan TypeTypeRate
Personal Loan Rate (up to 48 months) Fixed As low as 10.90% APR*
Line of Credit (Personal) Variable 9.09%
Bronze Cache Advance Variable 10.09%
Silver Cache Advance Variable 9.59%
Golden Cache Advance Variable 9.59%

*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.

Loans

Recreational Loans

See Details
TypeTermFixed Rate (APR) As Low As*
Recreational (2010 & newer) Up to 72 months (OAC) 2.75%
Recreational (2010 & newer) 73-144 months (OAC) 5.25%
Recreational (2009 & older) Up to 72 months (OAC) 3.75%
Recreational (2009 & older) 73-144 months (OAC) 5.75%

*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.

Loans

Share Secured Loans

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