Tools

Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of May 1, 2015. Fees may reduce earnings.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $15,000 $25 1.98% 2.00%
$15,000+ $25 0.50% 2.00% to 0.70%
All balances if qualifications not met $25 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 10 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Be enrolled and log into online banking

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.

Kasasa Saver* See Details

Balance Minimum Required Opening Deposit Rate APY
0 - $50,000 $25 1.00% 1.00%
$50,000+ $25 0.50% 1.00% to 0.67%
All balances if qualifications not met $25 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 10 debit card purchases that post and settle
  • Be enrolled and receive eStatement notices
  • Be enrolled and log into online banking

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.

Deposit Accounts

ProductMin. to OpenMin. to Earn APYInterest RateAPY
Free Checking $25.00 N/A N/A N/A
Basic Savings $10.00 $10.00 0.20% 0.20%

Personal Money Market See Details

Balance to Earn APYMinimum to OpenInterest RateAPY
$10.00-$2,499.99 $25 0.15% 0.15%
$2,500-$24,999.99 $25 0.20% 0.20%
$25,000-$49,999.99 $25 0.25% 0.25%
$50,000 or more $25 0.30% 0.30%

Business Money Market See Details

Balance to Earn APYMinimum to OpenInterest RateAPY
$10.00-$9,999.991 $25 0.15% 0.15%
$10,000-$49,999.99 $25 0.25% 0.25%
$50,000-$99,999.99 $25 0.30% 0.30%
$100,000.00 to $998,000 $25 0.35% 0.35%
$999,000 or more $25 0.70% 0.70%

1 $10 monthly fee if balance is less than $10,000

Certificates of Deposit (CDs) See Details

TermMin. to OpenInterest RateAPY
6 Month $1,000 0.25% 0.25%
8 Month $1,000 0.25% 0.25%
9 Month $1,000 0.30% 0.30%
12 Month $1,000 0.35% 0.35%
15 Month $1,000 0.35% 0.35%
18 Month $1,000 0.45% 0.45%
24 Month $1,000 0.55% 0.55%
30 Month $1,000 0.64% 0.65%
36 Month $1,000 0.74% 0.75%
48 Month $1,000 1.04% 1.05%
60 Month $1,000 1.44% 1.45%

Penalties may apply for early withdrawal.

Home Equity Line of Credit See Details

APRMaximum AmountMaximum TermMaximum L-T-VPayment per $1,000
3.50% N/A 20 yrs.3 80% $2.71

APR = Annual Percentage Rate.

For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18%. Property insurance is required for all home equity products.

3 Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.

Auto Loans See Details

Loan TypeTermAPRDown PaymentPayment per $1,000
New Car or Truck (2015 - 2016) 60 mo. 5.750% 10% $19.22
New Car or Truck (2015 - 2016) 48 mo. 5.490% 10% $23.25
Used Car or Truck (2010 - 2014) 60 mo. 5.990% 10% $19.33
Used Car or Truck (2010 - 2014) 48 mo. 5.750% 10% $23.38