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APY = Annual Percentage Yield.

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

Free Kasasa Cash®* Learn More

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

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 10 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 0.20% 0.20%
Vacation Club 0.10% 0.10%
IRA 0.75% 0.75%
HSA 0.50%  0.50% 

Share Certificates Learn More

Account Type Rate APY
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 2.26% 2.29%

Penalty with early withdrawal

Certificate Specials Learn More

Account Type Rate APY
13 months 1.95% 1.98%
25 months 1.99% 2.02%
37 months 2.03% 2.06%

Penalty with early withdrawal

IRA Certificates Learn More

Account Type Rate APY
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%

Penalty with early withdrawal

SafeChoice Money Market Learn More

Product Type APR APY
$6,500 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.30% 0.30%
$50,000 + 0.50% 0.50%

Auto Loans* Learn More

Product Type APR Term
New Car (2016 or newer) 3.89% 72 months
New Car (2016 or newer) 4.39% 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 Type APR Term
Secured (Non Real Estate, Non - titled, ATV's, Lawn and Garden etc.) 8.00% 60 months

*Additional qualifications may apply.

Boats & RV's* Learn More

Product Type APR Term
2014 or newer 4.75% 60 months
2014 or newer 4.875% 120 months
2014 or newer (RVs only) 5.125% 180 months 
2013 and older 6.50% 60 months

*Additional qualifications may apply.

Home Equity Loans* Learn More

Product Type APR Term
Home Equity Lines of Credit (H.E.L.O.C.)** 4.75% 300 months
Home Equity Loans 4.75% 60 months
Home Equity Loans 5.00% 120 months
Home Equity Loans 5.50% 180 months

*Additional qualifications may apply.
** 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 3.25%
15 Year Fixed 3.25%
20 Year Fixed 3.625%
30 Year Fixed 3.75%
FHA 30 Yr Fixed 3.625%
VA 30 Yr Fixed 3.625%
97% LTV Conventional 30 Year Fixed 3.875%

 

Construction Loans Learn More

Product Type Rate As Low As
12 month 6.00%

Lot Loans Learn More

Product Type Rate 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 Rate Account Type
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