Rates effective as of January 1, 2021.
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.
Jump to Loan Rates
Account Rates
| Balance |
Minimum Required Opening Deposit |
Rate |
APY |
| $0 - $10,000 |
$0 |
1.49% |
1.50% |
| $10,000+ |
$0 |
0.25% |
1.50% to 0.36% |
| 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
| Balance |
Rate |
APY |
| $0 - $250,000 |
0.75% |
0.75% |
| $250,000+ |
0.25% |
0.75% to 0.55% |
| 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% |
| 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 |
0.40% |
0.40% |
| 2 Yrs. Share or IRA Certificate |
$500 |
0.40% |
0.40% |
| 30 Mo. Share or IRA Certificate |
$500 |
0.40% |
0.40% |
| 3 Yrs. Share or IRA Certificate |
$500 |
0.50% |
0.50% |
| 4 Yrs. Share or IRA Certificate |
$500 |
0.55% |
0.55% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase |
$500 |
0.60% |
0.60% |
Penalty for early withdrawals.
| 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 2.24% |
$28.75 |
| 48 Months |
As low as 2.49% |
$21.91 |
| 60 Months |
As low as 2.74% |
$17.86 |
| 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 3.24% |
$29.19 |
| 48 Months |
As low as 3.49% |
$22.36 |
| 60 Months |
As low as 3.74% |
$18.30 |
| 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 |
| Term |
APR* |
Payment per $1,000** |
| 36 Months |
As low as 3.74% |
$29.41 |
| 48 Months |
As low as 3.99% |
$22.58 |
| 60 Months |
As low as 4.24% |
$18.53 |
| 72 Months |
As low as 4.74% |
$15.99 |
| 84 Months |
As low as 5.20% |
$14.23 |
| 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 |
| 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.
