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 | 1.74% | 1.75% |
| $20,000+ | 0.25% | 1.75% to 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 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% |
| 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 | 0.17% | 0.17% |
| 6 months | 0.24% | 0.24% |
| 12 months | 0.29% | 0.29% |
| 24 months | 0.34% | 0.34% |
| 36 months | 0.39% | 0.39% |
| 48 months | 0.47% | 0.47% |
| 60 months | 0.60% | 0.60% |
| Save to Win | 0.35% | 0.35% |
Penalty with early withdrawal
IRA Certificates Learn More
| Account Type | Rate | APY |
| IRA 12 months | 0.37% | 0.37% |
| IRA 24 months | 0.40% | 0.40% |
| IRA 36 months | 0.49% | 0.49% |
Penalty with early withdrawal
SafeChoice Money Market Learn More
| Product Type | APR | APY |
| $6,500 - $24,999 | 0.15% | 0.15% |
| $25,000 - $49,999 | 0.22% | 0.22% |
| $50,000 + | 0.32% | 0.32% |
Auto Loans* Learn More
| Product Type | APR | Term |
| New Car (2018 or newer) | 2.70% | 60 months |
| New Car (2018 or newer) | 4.20% | 84 months |
| New & Used Car (2015-2017) | 3.85% | 60 months |
| Used Car (2012 or newer) | 4.64% | 48 months |
*Additional qualifications may apply.
Secured*
| Product Type | APR | Term |
| Secured (Non Real Estate, Non - titled, ATV's, Lawn and Garden etc.) | 5.95% | 60 months |
*Additional qualifications may apply.
Boats & RV's* Learn More
| Product Type | APR | Term |
| 2016 or newer | 4.75% | 60 months |
| 2016 or newer | 4.875% | 120 months |
| 2016 or newer (RVs only) | 5.125% | 180 months |
| 2015 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.)** | 4.00% | 300 months |
| Home Equity Loans | 4.25% | 60 months |
| Home Equity Loans | 4.375% | 120 months |
| Home Equity Loans | 4.625% | 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 | 2.50% |
| 15 Year Fixed | 2.50% |
| 20 Year Fixed | 3.25% |
| 30 Year Fixed | 3.25% |
| FHA 30 Yr Fixed | 3.25% |
| VA 30 Yr Fixed | 3.25% |
| 97% LTV Conventional 30 Year Fixed | 3.875% |
Construction Loans Learn More
| Product Type | Rate As Low As |
| 12 month | 4.25% |
Lot Loans Learn More
| Product Type | Rate As Low As |
| 5 years | 4.60% |
| 10 years | 4.99% |
| 15 years | 5.30% |
| 20 years* | 5.50% |
*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 |