Deposit Rates

APY = Annual Percentage Yield

Rates effective as of 09/01/2017.  Rates are subject to change.

Checking Accounts

Account TypeAverage Daily BalanceRateAPY
Kasasa Cash Checking $0.00 - $15,000 2.03% 2.05%
$15,000.01 or greater 0.30% 0.30%
When qualifications are not met 0.05% 0.05%
Kasasa Tunes Checking $0.00 and greater 0.01% 0.01%
Common Sense Checking $0.00 - $3,999.00 0.01% 0.01%
$3,999.01 - $9,999.00 0.01% 0.01%
$9,999.01 - $19,999.00 0.05% 0.05%
$19,999.01 - $39,999.00 0.05% 0.05%
$39,999.01 or greater 0.10% 0.10%

† Dividends are earned on the average daily balance.  Fees may reduce earnings.  Kasasa Cash 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.

Savings Accounts

Account TypeAverage Daily BalanceRateAPY
Share Account/Special Savings $0.00 - $1,999.00 0.05% 0.05%
$1,999.01 - $3,999.00 0.05% 0.05%
$3,999.01 - $39,999.00 0.15% 0.15%
$39,999.01 and greater 0.25% 0.25%
Christmas Club(1)(2) $0.00 - $1,999.00 0.10% 0.10%
$1,999.01 - $3,999.00 0.10% 0.10%
$3,999.01 - $39,999.00 0.20% 0.20%
$39,999.01 and greater 0.25% 0.25%
Kirby Kangaroo Kids(1)(2) $0.00 - $1,999.00 0.05% 0.05%
$1,999.01 - $3,999.00 0.05% 0.05%
$3,999.01 - $39,999.00 0.15% 0.15%
$39,999.01 and greater 0.25% 0.25%

† 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.

Investment Accounts

Share Certificates
Account TypeTermRateAPY
Share Certificate - $1,000 and greater 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 - $10,000 and greater 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 - $95,000 and greater 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%

Individual Retirement Accounts (IRA)
Account TypeTermRateAPY
Individual Retirement Club Account N/A 0.30% 0.30%
IRA Share Certificate - $1,000 and greater 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%
IRA Share Certificate - $10,000 and greater 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%
IRA Share Certificate - $95,000 and greater 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%

† Traditional and Roth IRA contribution maximum is $5,500 for 2017 if under 50 years of age, and $6,500 if 50 years of age and over; Coverdell Education Savings Account contribution maximum for 2017 is $2,000.  Members 50 years of age and older receive an additional .15% on all share certificates listed.  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, over twelve months equals a six month interest penalty.