Rates effective as of August 25, 2020.

All rates are subject to change. Must meet lending qualifications. Additional rates and terms are available. APR* and term are based on your credit rating, ability to repay and type of collateral (when applicable).

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

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Account Rates

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $0 1.98% 2.00%
$10,000+ $0 0.25% 2.00% to 0.41%
All balances if qualifications not met $0 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 at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

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. No minimum balance requirement

Kasasa Saver* Learn More

Balance Rate APY
$0 - $250,000 1.00% 1.00%
$250,000+ 0.25% 1.00% to 0.79%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify. No minimum balance requirements.

Deposit Accounts

Account Type Minimum Required Opening Deposit Dividend Rate APY
Member Savings $25 0.05% 0.05%
Clubs No Min. Balance 0.05% 0.05%

Share Certificates Learn More

Type Minimum Required Opening Deposit Dividend Rate APY
3 Mo. Share Certificate $100 0.15% 0.15%
6 Mo. Share or IRA Certificate $500 0.25% 0.25%
1 Yr. Share or IRA Certificate $500 0.40% 0.40%
18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits $500 0.45% 0.45%
2 Yrs. Share or IRA Certificate $500 0.50% 0.50%
30 Mo. Share or IRA Certificate $500 0.50% 0.50%
3 Yrs. Share or IRA Certificate $500 0.55%

0.55%

4 Yrs. Share or IRA Certificate $500 0.60% 0.60%
5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase $500 0.60% 0.60%

Penalty for early withdrawals.

Money Market Learn More

Balance Dividend Rate APY
$1,000 - $4,999 (Savings) 0.25% 0.25%
$2,500 - $4,999 (Checking) 0.25% 0.25%
$5,000 - $9,999 0.25% 0.25%
$10,000 - $49,999 0.25% 0.25%
$50,000 - $99,999 0.25% 0.25%
$100,000 - $249,999 0.30% 0.30%
$250,000 - $499,999 0.40% 0.40%
$500,000+ 0.50% 0.50%

Individual Retirement Accounts (IRAs) Learn More

Balance Dividend Rate APY
$0 - $4,999 0.05% 0.05%
$5,000 - $9,999 0.20% 0.20%
$10,000 - $49,999 0.25% 0.25%
$50,000 - $99,999 0.35% 0.35%
$100,000+ 0.40% 0.40%

Health Savings Account (HSA) Learn More

Balance Dividend Rate APY
$0 - $999 0.05% 0.05%
$1,000 - $4,999 0.20% 0.20%
$5,000+ 0.25% 0.25%

Loan Rates

New/Used Automobiles & Harley Motorcycle Rates Learn More

Term APR* Payment per $1,000**
36 Months As low as 2.49% $28.86
48 Months As low as 2.74% $22.03
60 Months As low as 2.99% $17.97
72 Months As low as 3.24% $15.31
84 Months As low as 3.70% $13.54

Recreational Vehicles & Street Motorcycles Learn More

Term APR* Payment per $1,000**
36 Months As low as 3.49% $29.30
48 Months As low as 3.74% $22.47
60 Months As low as 3.99% $18.42
72 Months As low as 4.24% $15.76
84 Months As low as 4.70% $14.00

Large Recreational Vehicles (Boats, Campers, Motor Homes) Learn More

Term APR* Payment per $1,000**
120 Months As low as 5.49% $10.85
180 Months As low as 5.99% $8.44

Better than a Lease Learn More

Term APR* Payment per $1,000**
36 Months As low as 3.99% $29.52
48 Months As low as 4.24% $22.69
60 Months As low as 4.49% $18.64
72 Months As low as 4.74% $15.99
84 Months As low as 5.20% $14.23

Personal Loan Learn More

Term APR* Payment per $1,000**
12 Months As low as 7.70% $86.87
36 Months As low as 9.70% $32.14
60 Months As low as 10.25% $21.38

Visa Credit Cards Learn More

Card Introductory Rate APR*
Visa Platinum 2.49% APR* for 12 Billing Cycles Non-Variable As low as 8.90%
Visa Signature® 2.49% APR* for 12 Billing Cycles Variable As low as 10.25%
Visa Secured None Non-Variable As low as 17.99%

*APR = Annual Percentage Rate. ALL RATES SUBJECT TO CHANGE. MUST MEET LENDING QUALIFICATIONS. Additional rates and terms are available. APR and term are based on your credit rating, ability to repay and type of collateral (when applicable). As low as rate includes direct deposit discount of 0.25%. 

**Repayment amounts will vary depending on the term. This example is estimated for the maximum term.