Deposit Rates

APY = Annual Percentage Yield

Rates effective as of 1/26/2017. Fees may reduce earnings.

Checking Accounts

Account TypeAverage Monthly BalanceRateAPY
Kasasa Cash Checking $0 - $15,000 2.03% 2.05%
$15,001 or more 0.30% 0.30%
When qualifications are not met 0.05% 0.05%
Kasasa Tunes Checking 0.01% 0.01%
Common Sense Checking $0 - $3,999 0.01% 0.01%
$4,000 - $9,999 0.01% 0.01%
$10,000 - $19,999 0.05% 0.05%
$20,000 - $39,999 0.05% 0.05%
$40,000 or more 0.10% 0.10%

Fees may reduce earnings. Kasasa Cash and Cash Back Checking Qualifications: Simply do the following activities and transactions in Kasasa Cash Checking each monthly qualification cycle: • Have at least 12 debit card purchases post and clear • Be enrolled and log into online banking • Be enrolled and receive eStatement notice • Have at least one (1) direct deposit OR online bill payment OR automatic payment (ACH) post and clear. Common Sense Account dividends are earned on the average balance for the month.

Savings Accounts

Account TypeAverage Monthly BalanceRateAPY
Share Account $25 - $1,999 0.05% 0.05%
$2,000 - $3,999 0.05% 0.05%
$4,000 - $39,999 0.15% 0.15%
$40,000 or more 0.25% 0.25%

Share accounts require a $25 minimum deposit to open account. Share account dividends are earned on the average balance for the month. The above Interest Rates are subject to change without prior notice.

Investment Accounts

Account TypeTermRateAPY
Individual Retirement Club Account - 0.30% 0.30%
Share Certificate - Over $1,000 90 Days 0.05% 0.05%
180 Days 0.10% 0.10%
12 Months 0.15% 0.15%
18 Months 0.25% 0.25%
24 Months 0.35% 0.35%
30 Months 0.40% 0.40%
36 Months 0.40% 0.40%
Share Certificate - Over $10,000 (Jumbo Share Certificate) 90 Days 0.10% 0.10%
180 Days 0.10% 0.10%
12 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.40% 0.40%
30 Months 0.50% 0.50%
36 Months 0.50% 0.50%
Share Certificate - Over $95,000 (Jumbo Share Certificate) 90 Days 0.10% 0.10%
180 Days 0.20% 0.20%
12 Months 0.35% 0.35%
18 Months 0.35% 0.35%
24 Months 0.45% 0.45%
30 Months 0.50% 0.50%
36 Months 0.60% 0.60%

Contribution maximum is $4,000 for 2006 per calendar year under 50 years of age. Contribution maximum is $5,000 for 2006 per calendar year over 50 to 70 1/2 years of age. IRA Share Certificate rates are also available at the same rates as regular certificates. Members 50 years and older receive .15% on all Share Certificates listed. Certificate rates are fixed until maturity. Share certificate interest penalties are as follows: Twelve months and under equals a 3 month interest penalty, over twelve months equals a 6 month interest penalty. Penalty for early withdrawal may apply.