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APY = Annual Percentage Yield. Rates effective as of July 1, 2020. 

Kasasa Cash* Learn More

Tier Dividend Rate APY
0 - $50,000 1.03% 1.04%
$50,000.01+ 0.15% 0.15%
Qualifications not met 0.05% 0.05%

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 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • 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* Learn More

Tier Dividend Rate APY
0 - $25,000 0.51% 0.51%
$25,000.01+ 0.20% 0.51% to 0.20%
Qualifications not met 0.05% 0.05%

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 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • 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!

Share Savings Learn More

Tier Dividend Rate APY
0 - $1,999 0.05% 0.05%
$1,999.01 - $3,999 0.05% 0.05%
$3,999.01 - $39,999 0.15% 0.15%
$39,999.01+ 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.

Christmas Club Learn More

Tier Dividend Rate APY
0 - $1,999 0.10% 0.10%
$1,999.01 - $3,999 0.10% 0.10%
$3,999.01 - $39,999 0.20% 0.20%
$39,999.01+ 0.25% 0.25%

Kirby Kangaroo Kids Learn More

Tier Dividend Rate APY
0 - $1,999 0.05% 0.05%
$1,999.01 - $3,999 0.05% 0.05%
$3,999.01 - $39,999 0.15% 0.15%
$39,999.01+ 0.25% 0.25%

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

Term Dividend Rate APY
90 Days 0.10% 0.10%
180 Days 0.15% 0.15%
12 Months 0.25% 0.25%
18 Months 0.35% 0.35%
24 Months 0.45% 0.45%
30 Months 0.45% 0.45%
36 Months 0.50% 0.50%
48 Months 0.60% 0.60%
60 Months 0.70% 0.70%

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

Term Dividend Rate APY
90 Days 0.15% 0.15%
180 Days 0.15% 0.15%
12 Months 0.40% 0.40%
18 Months 0.45% 0.45%
24 Months 0.50% 0.50%
30 Months 0.50% 0.50%
36 Months 0.60% 0.60%
48 Months 0.70% 0.70%
60 Months 0.80% 0.80%

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

Term Dividend Rate APY
90 Days 0.15% 0.15%
180 Days 0.25% 0.25%
12 Months 0.45% 0.45%
18 Months 0.45% 0.45%
24 Months 0.55% 0.55%
30 Months 0.55% 0.55%
36 Months 0.70% 0.70%
48 Months 0.80% 0.80%
60 Months 0.90% 0.90%

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.

Disclaimer

*Annual Percentage Yield (APY) is accurate as July 1, 2020. This is a Dividend Rate and APY as of the last dividend declaration date of July 1, 2020. The Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors. All deposited funds earn the rate for the tier.  Only the funds that comprise each tier will earn the rate for such tier.  Offer subject to change at anytime without prior notice. Fees may reduce the earnings on dividend-earning accounts.  For current rates, please call (505) 662-4671.

 

Signature Loan Learn More

Loan Type Term APR1
Signature Loan Up to 36 months as low as 9.99%1
Signature Loan 48 months as low as 10.49%1
Signature Loan 60 months as low as 11.99%1
Signature Line of Credit
(including Overdraft Protection)
36 months as low as 9.99%1

Disclaimer

*APR = Annual Percentage Rate.  APR effective 02/01/2020.  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.

Credit Builder Loan Learn More

Loan Type Term APR1
Credit Builder Loan 12 Months as low as 17.50%1

Disclaimer

*APR = Annual Percentage Rate.  APR effective 02/01/2020.  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.

Auto Loans Learn More

Loan Type Term APR1
New Auto Loan (2019 or newer) 60 months3 as low as 3.24%1
New Auto Loan 72-75 months3 as low as 3.49%1
New Auto Loan 84 months3 as low as 4.24%1
Used Auto Loan (2013-2018) 36 months3 as low as 3.74%1
Used Auto Loan (2013-2018) 48 months3 as low as 3.99%1
Used Auto Loan (2013-2018) 60 months3 as low as 4.49%1
Used Auto Loan (2013-2018) 72-75 months3 as low as 4.99%1
Used Auto Loan (2010-2012) 24 months3 as low as 4.74%1
Used Auto Loan (2010-2012) 36 months3 as low as 4.74%1
Used Auto Loan (2010-2012) 48 months3 as low as 4.74%1
Used Auto Loan (2009 and older) 24 months3 as low as 8.75%1
Used Auto Loan (2009 and older) 36 months3 as low as 9.25%1
Used Auto Loan (2009 and older) 48 months3 as low as 9.75%1

Disclaimer

*APR = Annual Percentage Rate.  APR effective 07/01/2020.  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.

Secured Loan Learn More

Loan Type Term APR1
Share/Share Certificate Loan Up to 144 months Share/Share Certificate Rate + 2.50%
Other Secured Loan5 Up to 120 months4 as low as 4.99%

Disclaimer

*APR = Annual Percentage Rate.  APR effective 02/01/2020.  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.

Credit Card

Type APR
VISA "Low Rate" as low as Prime + 4.74%
VISA - Secured as low as Prime + 7.49%
VISA Signature / Cash Back as low as Prime + 7.74%

Disclaimer

*APR = Annual Percentage Rate.  APR effective 02/01/2020.  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.