APY = Annual Percentage Yield. Rates effective as of January 1, 2020. Fees may reduce earnings.
| Tier |
Rate |
APY |
| 0 - $50,000 |
2.03% |
2.05% |
| $50,000.01+ |
0.30% |
0.30% |
| 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 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!
| Tier |
Rate |
APY |
| 0 - $25,000 |
1.01% |
1.01% |
| $25,000.01+ |
0.40% |
1.01% to 0.40% |
| 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 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!
| Tier |
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.
| Tier |
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% |
| Tier |
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 |
Rate |
APY |
| 90 Days |
0.50% |
0.50% |
| 180 Days |
0.55% |
0.55% |
| 12 Months |
1.00% |
1.01% |
| 18 Months |
1.10% |
1.11% |
| 24 Months |
1.20% |
1.21% |
| 30 Months |
1.20% |
1.21% |
| 36 Months |
1.25% |
1.26% |
| 48 Months |
1.35% |
1.36% |
| 60 Months |
1.45% |
1.46% |
Share Certificate / IRA Share Certificate ($10,000 & Greater)
Learn More
| Term |
Rate |
APY |
| 90 Days |
0.55% |
0.55% |
| 180 Days |
0.55% |
0.55% |
| 12 Months |
1.15% |
1.16% |
| 18 Months |
1.20% |
1.21% |
| 24 Months |
1.25% |
1.26% |
| 30 Months |
1.25% |
1.26% |
| 36 Months |
1.35% |
1.36% |
| 48 Months |
1.45% |
1.46% |
| 60 Months |
1.55% |
1.56% |
Share Certificate / IRA Share Certificate ($95,000 & Greater)
Learn More
| Term |
Rate |
APY |
| 90 Days |
0.55% |
0.55% |
| 180 Days |
0.65% |
0.65% |
| 12 Months |
1.20% |
1.21% |
| 18 Months |
1.20% |
1.21% |
| 24 Months |
1.30% |
1.31% |
| 30 Months |
1.30% |
1.31% |
| 36 Months |
1.45% |
1.46% |
| 48 Months |
1.55% |
1.56% |
| 60 Months |
1.65% |
1.66% |
Traditional and Roth IRA contribution maximum is $5,500 for 2018 if under 50 years of age, and $6,500 if 50 years of age and over; Coverdell Education Savings Account contribution maximum for 2018 is $2,000. Members 50 years of age and older receive an additional 0.15% 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.
| 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 |
| Loan Type |
Term |
APR1 |
| Credit Builder Loan |
12 Months |
as low as 17.50%1 |
| Loan Type |
Term |
APR1 |
| New Auto Loan (2019 or newer) |
60 months3 |
as low as 3.49%1 |
| New Auto Loan |
72-75 months3 |
as low as 3.74%1 |
| New Auto Loan |
84 months3 |
as low as 4.49%1 |
| Used Auto Loan (2013-2018) |
36 months3 |
as low as 3.99%1 |
| Used Auto Loan (2013-2018) |
48 months3 |
as low as 4.24%1 |
| Used Auto Loan (2013-2018) |
60 months3 |
as low as 4.74%1 |
| Used Auto Loan (2013-2018) |
72-75 months3 |
as low as 5.24%1 |
| Used Auto Loan (2010-2012) |
24 months3 |
as low as 4.99%1 |
| Used Auto Loan (2010-2012) |
36 months3 |
as low as 4.99%1 |
| Used Auto Loan (2010-2012) |
48 months3 |
as low as 4.99%1 |
| Used Auto Loan (2009 and older) |
24 months3 |
as low as 9.00%1 |
| Used Auto Loan (2009 and older) |
36 months3 |
as low as 9.50%1 |
| Used Auto Loan (2009 and older) |
48 months3 |
as low as 10.00%1 |
| 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% |
For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of April 15, 2019. 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.For the purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of the effective date shown herein. 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% |
(1) For the purposes of this disclosure, this is a rate and APY as of the last dividend declaration date of April 15, 2019. The Dividend Rate(s) and Annual Percentage Yield(s) shown above may change at any time as determined by our Board of Directors.
(2) All deposited funds earn the rate for the tier.
(3) Only the funds that comprise each tier will earn the rate for such tier.
(4) For the purposes of this disclosure, this is a rate and APY that was offered within the most recent seven calendar days and was accurate as of the effective date shown herein. For more current rates, please call (505) 662-4671.
