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APY = Annual Percentage Yield.

Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.

Free Kasasa Cash® Checking Account* Learn More

Balance APY
$0 to $20,000 2.50%
Above $20,000 0.50%

Qualifications to Earn Rewards

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit or ACH payment transaction
  • At least 15 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Savings Learn More

Balance Rate APY
Regular Savings 0.10% 0.10%
Christmas Club 0.30% 0.30%
Vacation Club 0.20% 0.20%
IRA 1.07% 1.07%
HSA 0.90%  0.90% 
Kasasa Saver* 0.75% 0.75%

*Rate valid on balances up to $100,000 and 0.25% APY on the remaining account balance.  Must meet Kasasa qualification requirements to earn this rate.  Otherwise, Kasasa Saver pays 0.05% APY.

Share Certificates Learn More

Account Type Rate APY*
3 months 0.92% 0.92%
6 months 1.12% 1.12%
Special 7 months** 2.23% 2.23%
12 months 1.52% 1.53%
Special 13 months** 2.90% 2.93%
24 months 1.72% 1.74%
Special 25 months** 3.07% 3.10%
36 months 1.94% 1.96%
48 months 2.02% 2.04%
60 months 2.12% 2.14%
Save to Win 0.59% 0.59%

 

*APY=Annual Percentage Yield. Rates may change without notice. Offer valid at the time of posting. Early withdrawal penalties may apply. Deposits insured by the National Credit Union Administration up to $250,000. Rates are effective 10/26/22.

**7 Months Special renews to 6 Months at maturity. 13 Months Special renews into 12 Months at maturity. 25 Months Special renews into 24 Months at maturity.

IRA Certificates Learn More

Account Type Rate APY*
IRA 12 months 1.57% 1.58%
IRA 24 months 1.77% 1.79%
IRA 36 months 1.89% 1.91%

 

*APY=Annual Percentage Yield. Rates may change without notice. Offer valid at the time of posting. Early withdrawal penalties may apply. Deposits insured by the National Credit Union Administration up to $250,000. Rates are effective 10/26/22.

SafeChoice Money Market Learn More

Product Type APR APY*
$6,500 - $24,999 0.54% 0.54%
$25,000 - $49,999 0.87% 0.87%
$50,000 + 0.99% 0.99%

*APY=Annual Percentage Yield. Rates may change without notice. Offer valid at the time of posting. Early withdrawal penalties may apply. Deposits insured by the National Credit Union Administration up to $250,000. Rates are effective 9/22/22.

Auto Loans* Learn More

Product Type APR Term
New Auto (2019 or newer)    
  5.02% 84 months
  4.77% 72 months
  4.39% 60 months
Used Auto (2014-2018)    
  5.77% 72 months
  5.27% 60 months
     
Used Auto (2013 or older) 5.02% 48 months

 

*Additional qualifications may apply. Rates can change without notice.  

Motorcycles* Learn More

Product Type APR Term
New Motorcycle (2019 or newer)    
  5.02% 84 months
  4.77% 72 months
  4.39% 60 months
Used Motorcycle (2014-2018)    
  5.77% 72 months
  5.27% 60 months
     
Used Motorcycle (2013 or older) 5.02% 48 months

*Additional qualifications may apply. Rates can change without notice. 

Secured*

Product Type APR Term
Secured (Non-Real Estate, Non-Titled, ATVs, Lawn, Garden, etc. 2018 - newer)    
  7.39% 60 months
  7.32% 48 months
  7.02% 36 months
Secured (Non-Real Estate, Non-Titled, ATVs, Lawn, Garden, etc. 2017 - older)    
  7.89% 60 months
  7.57% 48 months
  7.14% 36 months

*Additional qualifications may apply. Rates can change without notice.

Boats & RV's* Learn More

Product Type APR Term
2019 or newer    
  6.14% 48 months
  6.52% 60 months
  6.89% 120 months
  7.14% 180 months (RVs Only)
     
2018 or older    
  7.14% 48 months
  7.77% 60 months
  9.39% 72 months (RVs Only)

*Additional qualifications may apply. Rates can change without notice.

Home Equity Loans* Learn More

Product Type APR Term
Home Equity Lines of Credit (H.E.L.O.C.)** 6.25% 300 months
Home Equity Loans 6.750% 60 months
Home Equity Loans 7.375% 120 months
Home Equity Loans 7.750% 180 months

*Additional qualifications may apply. Rates can change without notice.
** Variable rate with no closing costs.

Credit Cards Learn More

Product Type APR
VISA Platinum Rewards 10.90%
VISA Platinum 13.50% - 17.50%

1st Mortgage Loans Learn More

Product Type Rate as low as
10 Year Fixed  5.875%
15 Year Fixed 6.250%
20 Year Fixed 5.750%
30 Year Fixed 6.125%
FHA 30 Yr Fixed 6.125%
VA 30 Yr Fixed 6.125%
97% LTV Conventional 30-Year Fixed 6.500%

 

Construction Loans Learn More

Product Type Rate As Low As
12 month 6.50%

Lot Loans Learn More

Product Type Rate As Low As
5 years 7.00%
10 years 7.63%

Other Rates

Product Type Rate Account Type
Unsecured Loans 9.25% 60 months
Unsecured Line of Credit 9.00% 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. Rates can change without notice.
APY = Annual Percentage Yield