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Financial Builders Rates

APY = Annual Percentage Yield. Rates effective as of May 1, 2019. Fees may reduce earnings.

Kasasa Cash*

Balance Rate APY
$0 - $20,000 2.96% 3.00%
$20,000+ 0.50% 0.92% to 3.00%

* If rewards qualification isn't met, the rate and APY are 0.05%. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

Savings

Balance  Rate APY
Regular Savings 0.10% 0.10%
Christmas Club 0.20% 0.20%
Vacation Club 0.10% 0.10%
IRA 0.75% 0.75%
HSA 0.50% 0.50%

Certificates

Account TypeRateAPY
Share Certificates
3 months 0.64% 0.64%
6 months 0.82% 0.82%
12 months 0.94% 0.94%
24 months 1.37% 1.38%
36 months 1.89% 1.90%
48 months 2.17% 2.19%
60 months 2.46% 2.50%
Certificate Specials
13 months 2.49% 2.52%
25 months 2.71% 2.74%
37 months 2.81% 2.85%
IRA Certificates
IRA 12 months 0.94% 0.94%
IRA 24 months 1.37% 1.38%
IRA 36 months 1.89% 1.90%
Save to Win 0.64% 0.64%

SafeChoice Money Market

Product TypeAPRAPY
$6,500 - $24,9990.20%0.20%
$25,000 - $49,9990.30%0.30%
$50,000 +0.50%0.50%

Auto Loans*

Product TypeAPRTerm
New Car (2016 or newer) 4.39% 72 months
New Car (2016 or newer) 4.89% 84 months
New & Used Car (2013-2015) 5.30% 60 months
Used Car (2010 or newer) 6.55% 48 months

*Additional qualifications may apply.

Secured*

Product TypeAPRTerm
Secured (Non Real Estate, Non - titled, ATV's, Lawn and Garden etc.)8.00%60 months

*Additional qualifications may apply.

Boats & RV's*

Product TypeAPRTerm
2014 or newer 5.625% 60 months
2014 or newer 6.125% 120 months
2013 and older 6.50% 60 months

*Additional qualifications may apply.

Home Equity Loans*

Product TypeAPRTerm
Home Equity Lines of Credit (H.E.L.O.C.)** 5.50% 300 months
Home Equity Loans 5.00% 60 months
Home Equity Loans 5.50% 120 months
Home Equity Loans 6.70% 180 months

*Additional qualifications may apply.
** Variable rate with no closing costs.

Credit Cards

Product TypeAPR
VISA Platinum Rewards10.90%
VISA Platinum13.50% - 17.50%

1st Mortgage Loans

Product TypeRate as low as
10 Year Fixed 3.75%
15 Year Fixed 3.75%
20 Year Fixed 4.00%
30 Year Fixed 4.125%
FHA 30 Yr Fixed 4.375%
VA 30 Yr Fixed 4.375%
97% LTV Conventional 30 Year Fixed 4.125%

Construction Loans

Product TypeRate As Low As
12 month6.50%

Lot Loans

Product TypeRate As Low As
5 years 5.50%
10 years 6.25%
15 years 7.20%
20 years* 7.50%

*20 year lot loans are limited to a 15 year term with a 20 year amortization.

Other Rates

Product Type 8.25% 60 months
Unsecured Loans 8.25% 60 months
Unsecured Line of Credit 8.25% N/A
Share Secured Loans 4.00% 60 months
Certificate Loans*   (Min of 4.00%) CD Rate + 2.00% 60 months

*2% above certificate rate minimum of share loan rate
APY = Annual Percentage Yield

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