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Kasasa Cash

Tier Dividend Rate APY**
Less than $15,000
$15,000.01+
Qualifications not met
 

Click “READ MORE” to see if you qualify!

Disclaimer:

**APY=Annual Percentage Yield. APYs accurate as of 05/01/2023. Rates may change after account is opened.

If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last business day of monthly statement cycle; (2) balances up to $15,000 receive APY** of 5.00%; and (3) balances over $15,000 earn 2.00% interest rate on portion of balance over $15,000, resulting in 5.00% - 2.00% APY** depending on the balance. If qualifications are not met, all balances earn 0.05% APY**. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day1 of the current statement cycle through one (1) day prior to the last banking day1 of the current statement cycle. "Banking Day1 " means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.


Qualifications

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 one direct deposit, ACH payment, ACH credit, or bill pay transaction

  • At least 12 debit card purchases

  • Be enrolled in and agree to receive e-Statements

  • Be enrolled in and log into online or mobile banking

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 dividend rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver

Tier Dividend Rate APY**
Less than $100,000
$100,000.01+
Qualifications not met
 

Click “READ MORE” to see if you qualify!

Disclaimer:

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards:  ATM-processed transactions, transfers between accounts, purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day1 of the current statement cycle through one (1) day prior to the last banking day1 of the current statement cycle. "Banking Day1" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle:

Kasasa Saver: Balances up to $100,000.00 receive APY** of 2.00%; and balances over $100,000.00 earn 0.15% APY on the portion of balance over $100,000.00, resulting in a range from 2.00% to 0.15% APY** depending on the account’s balance. Kasasa Cash: Balances up to $15,000.00 receive a non-compounding APY** of 5.00%; and balances over $15,000.00 earn 2.00% APY on the portion of balance over $15,000.00, resulting in a non-compounding range from 5.00% to 2.00% APY** depending on the account’s balance.

Kasasa Cash Back: 3.00% cash back on up to a total of $6.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash or Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY**.

Kasasa Cash: All balances earn a non-compounding APY** of 0.05%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. **APY = Annual Percentage Yield. APYs accurate as of 05/01/2023.  Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit/debit, enrollment in online banking, receipt of electronic statements are a condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number / individual taxpayer identification number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open the account or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Federally insured by NCUA.   Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.


Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place, and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least one direct deposit, ACH payment, ACH credit, or bill pay transaction

  • At least 12 debit card purchases

  • Be enrolled in and agree to receive e-Statements

  • Be enrolled in and log into online or mobile banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

ZIA Basic Checking

Mininum Balance APY**
$0.00 - $3,999.00
$3,999.01- $9,999.00
$9,999.01 - $19,999.00
$19,999.01 - $39,999.00
$39,999.01 & Greater

Share Savings

Tier Dividend Rate APY**
0 - $1,999
$1,999.01 - $3,999
$3,999.01 - $39,999
$39,999.01+

Disclaimer

*APY = Annual Percentage Yield. Rates effective as of 11/14/2022. Share accounts require a $25 minimum deposit to open account. Share account dividends are earned on the average daily balance for the month. Fees may reduce earnings.

Share accounts require a $25 minimum deposit to open account. Share account dividends are earned on the average daily balance for the month. Fees may reduce earnings.

Christmas Club

Tier Dividend Rate APY**
0 - $1,999
$1,999.01 - $3,999
$3,999.01 - $39,999
$39,999.01+
**APY = Annual Percentage Yield. Rates effective as of 11/14/2022.

Kirby Kangaroo Kids

Tier Dividend Rate APY**
0 - $1,999
$1,999.01 - $3,999
$3,999.01 - $39,999
$39,999.01+
**APY = Annual Percentage Yield. Rates effective as of 11/14/2022

Share Certificate / IRA Share Certificate ($1,000 & Greater)

Term Dividend Rate APY**
90 Days
6 Months
7 Month "Lucky 7" Special!
12 Months
18 Months
24 Months
30 Months
36 Months
48 Months
60 Months

Share certificate rates are fixed until maturity. Penalty for early withdrawal may apply. Share certificate interest penalties are as follows: Twelve months and under equals a three-month interest penalty, and over twelve months equals a six-month interest penalty.

Disclaimer:

**Annual Percentage Yield (APY) is accurate as of 06/01/2023. This is a Dividend Rate and APY as of the last dividend declaration date of 06/01/2023.

Share Certificate / IRA Share Certificate ($10,000 & Greater)

Term Dividend Rate APY**
90 Days
6 Months
12 Months
18 Months
24 Months
30 Months
36 Months
48 Months
60 Months

Share certificate rates are fixed until maturity. Penalty for early withdrawal may apply. Share certificate interest penalties are as follows: Twelve months and under equals a three-month interest penalty, and over twelve months equals a six-month interest penalty.

Disclaimer:

**Annual Percentage Yield (APY) is accurate as of 06/01/2023. This is a Dividend Rate and APY as of the last dividend declaration date of 06/01/2023.

Share Certificate / IRA Share Certificate ($95,000 & Greater)

Term Dividend Rate APY**
90 Days
6 Months
12 Months
18 Months
24 Months
30 Months
36 Months
48 Months
60 Months

Share certificate rates are fixed until maturity. Penalty for early withdrawal may apply. Share certificate interest penalties are as follows: Twelve months and under equals a three-month interest penalty, and over twelve months equals a six-month interest penalty.

Disclaimer:

**Annual Percentage Yield (APY) is accurate as of 06/01/2023. This is a Dividend Rate and APY as of the last dividend declaration date of 06/01/2023.

Signature Loan

Loan Type Term APR* (as low as)
Signature Loan Up to 36 months
Signature Loan 48 months
Signature Loan 60 months
Signature Line of Credit
(including Overdraft Protection)
36 months

Disclaimer

*APR = Annual Percentage Rate. APR effective 11/14/2022. All loans subject to credit approval. Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest advertised rate. Rates subject to change without notice. For more current rates, please call (505) 662-4671.

Credit Builder Loan

Loan Type Term APR* (as low as)
Credit Builder Loan 12 Months

Disclaimer

*APR = Annual Percentage Rate. APR effective 11/14/2022. All loans subject to credit approval. Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest advertised rate. Rates subject to change without notice. For more current rates, please call (505) 662-4671.

Secured Loan

Loan Type Term APR* (as low as)
Share/Share Certificate Loan Up to 144 months above rate paid on share or share certificate
Other Secured Loan Up to 120 months Rates as low as for 48 months

Disclaimer

*APR = Annual Percentage Rate. APR effective 03/27/2023. All loans subject to credit approval. Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest advertised rate. Rates subject to change without notice. For more current rates, please call (505) 662-4671.

Auto Loans

Loan Type Term APR* (as low as)
New Auto Loan (2023 or newer) 60 months
New Auto Loan (2023 or newer) 72-75 months
New Auto Loan (2023 or newer) 84 months
Used Auto Loan (2022-2014) 36 months
Used Auto Loan (2022-2014) 48 months
Used Auto Loan (2022-2014) 60 months
Used Auto Loan (2022-2014) 72-75 months
Used Auto Loan (2013 and older) 24 months
Used Auto Loan (2013 and older) 36 months
Used Auto Loan (2013 and older) 48 months
Used Auto Loan (2013 and older) 60 months

Disclaimer

*APR = Annual Percentage Rate.  APR effective 03/27/2023.  All loans subject to credit approval.  Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information.  Not all applicants will qualifiy for the lowest adverstised rate.   Rates subject to change without notice.   

For more current rates, please call (505) 662-4671.

Other Secured

Loan Type: ATV, Camper (Truck/Folding), Farm/Heavy Equipment, Jet Ski, Motorboat, Motorcycle, Motorhome, RV, Snowmobile, Tractor, Travel Trailer.

Term APR* (as low as)
48 Months
60 Months
72 Months
84-120* Months
*120 Months for amounts $50,000 and greater.

Credit Card

Type APR* (as low as)
VISA "Low Rate"
VISA - Secured
VISA - Signature 15.24%

Disclaimer

*APR = Annual Percentage Rate. APR effective 03/27/2023. All loans subject to credit approval. Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest advertised rate. Rates subject to change without notice. For more current rates, please call (505) 662-4671.

Personal Line Of Credit

Loan Type Term APR* (as low as)
Personal Line of Credit 36 months

Disclaimer
*APR = Annual Percentage Rate. APR effective 11/14/2022. All loans subject to credit approval. Your actual APR will be determined at the time of your loan disbursement and will be based on your application and credit information. Not all applicants will qualify for the lowest advertised rate. Rates subject to change without notice. For more current rates, please call (505) 662-4671.

Get the Best Rate

We’re Working To Get You The Best Rate

One great thing about being a member of a credit union is getting great rates. At ZIA, we’re always working to find you the best rate.

Loyalty Pays With ZAP Your Rates

Did you know that ZIA rewards its members for their loyalty? The more ZIA products you have, the more you can ZAP your rate! You can ZAP UP your certificate rate by up to 0.50%, depending on what other products you have with ZIA. Have a checking account? ZAP! Also, have a credit card? ZAP again! For example, instead of earning 0.70% APY** on a 60-month certificate (minimum balance $1,000), you could instead earn 1.2% APY**!

On the other hand, ZAP DOWN your loan rates by up to 0.60%! Direct deposit? Consumer loan? Certificate? ZAP, ZAP, ZAP! Let’s say you qualify for a 60-month new auto loan, zero percent down, at 2.74% APR*. ZAP it down to 2.14% APR*! With auto loans specifically, ask us about BONUS ZAPS for which you may qualify.

We Always Rate Match

Did you see a better rate offered by another financial institution? Let us know, and we’ll match it!

*APR=Annual Percentage Rate. Visit rates for the most current rates and conditions.

**APY=Annual Percentage Yield. Visit rates for the most current rates and conditions.

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