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Rates

APY = Annual Percentage Yield
Rates effective as of 11/1/2016.
Fees may reduce earnings.

Kasasa Cash*

BalanceDividend RateAPY
Balances up to $10,000 2.716% 2.75%
Balances over $10,000 0.010% 2.75% to 0.34%
All balances if qualifications aren't met 0.010% 0.01%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit, ACH credit, or ACH debit post and settle
  • Be enrolled in and agree to receive eStatements

Kasasa Saver*

BalanceDividend RateAPY
All qualifying balances 0.499% 0.50%
All balances if qualifications aren't met 0.010% 0.01%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit, ACH credit, or ACH debit post and settle
  • Be enrolled in and agree to receive eStatements

Kasasa Giving*

BalanceDividend RateAPY
Balances up to $10,000 3.445% 3.50%
Balances over $10,000 0.010% 3.50% to 0.33%
All balances if qualifications aren't met 0.010% 0.01%

To earn your rewards, simply do the following activities and transactions in your Kasasa Giving account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit, ACH credit, or ACH debit post and settle
  • Be enrolled in and agree to receive eStatements

Deposit Accounts

Account Minimum Deposit To Open Average Daily Balance Required to Earn Dividends Rate APY
Share Savings $100 $100 0.100% 0.10%
Share Draft Checking $100 $100 0.100% 0.10%
Christmas Club 0.100% 0.10%
Choice Checking $500 0.100% 0.10%
Vacation Club 0.100% 0.10%
IRA Shares 0.499% 0.50%
Sprout Savings $5.00  $0.00 - $500.00 3.445% 3.50%
Sprout Savings $5.00  $500.01 and over 0.100% 3.50%-0.12%
Money Market $2,500 $2,500 - $7,499.99 0.100% 0.10%
Money Market $2,500 $7,500 - $19,999.99 0.200% 0.20%
Money Market $2,500 $20,000 - $499,999.99 0.300% 0.30%
Money Market $2,500 $500,000+ 0.399% 0.40%

The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change monthly as determined by the Board of Directors. Money Market accounts are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Dividend Rates and Annual Percentage Yields are the prospective rates as of the effective date shown above. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

Share Certificates^

TermMinimum Balance RequiredRateAPY
3 Months $1,000 0.100% 0.10%
6 Months $1,000 0.150% 0.15%
12 Months $1,000 0.300% 0.30%
18 Months $1,000 0.349% 0.35%
24 Months $1,000 0.549% 0.55%
30 Months $1,000 0.648% 0.65%
36 Months $1,000 0747% 0.75%
42 Months $1,000 0.946% 0.95%
48 Months $1,000 1.045% 1.05%
60 Months $1,000 1.243% 1.25%

Penalty for early withdrawal.

Jumbo Share Certificate Rates^

The Jumbo Share Certificate Annual Percentage Yield is above Share Certificate APY by 0.10%. Please note that $100,000 minimum balance is required.

^ Member to receive 0.25% APY "Relationship Bonus Rate" with active checking account or Visa®, or loan or LOC with balance greater than $5,000.

Loans

TypeTermDaily Periodic RateAPR
New and Used Automobiles, Motor Homes, and RVs1 Up to 84 Months 0.0068% - 0.0493% 2.50% - 17.95%
No Credit Check Signature Loan 12 Months 0.0493% 18.00%
Unsecured Loans1 Up to 60 Months 0.0245% - 0.0493% 8.95% - 18.00%

VISA Cards

Card TypeDaily RateAnnual Rate
VISA Platinum1 Call Credit Union for Current Rates Call Credit Union for Current Rates
VISA Classic 0.03834% 14.00%

Other Loans

Loan TypeAPR
Share Savings Secured 3% above Share Savings rate
Share Certificate Secured 3% above Share Certificate rate
Home Equity Line of Credit Call Credit Union for current rates

1 Performance Based: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness, loan to value (LTV), loan term, and age of collateral. Please ask for the rate for which you qualify.