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APY = Annual Percentage Yield. Rates effective as of April 15, 2019. Fees may reduce earnings.

Kasasa Cash*Learn More

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!

Kasasa Saver*Learn More

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!

Share SavingsLearn More

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.

Christmas ClubLearn More

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%

Kirby Kangaroo KidsLearn More

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%

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%

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%

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.

Signature LoanLearn More

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

Credit Builder LoanLearn More

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

Auto LoansLearn More

Loan Type Term APR1

New Auto Loan
(2018 or newer)

60 months3 as low as 3.49%1
72-75 months3 as low as 3.74%1
84 months3 as low as 4.49%1

Used Auto Loan
(2012-2017)

36 months3 as low as 3.99%1
48 months3 as low as 4.24%1
60 months3 as low as 4.74%1
72-75 months3 as low as 5.24%1

Used Auto Loan
(2009-2011)

24 months3 as low as 4.99%1
36 months3 as low as 4.99%1
48 months3 as low as 4.99%1

Used Auto Loan
(2008 and older)

24 months3 as low as 9.00%1
36 months3 as low as 9.50%1
48 months3 as low as 10.00%1

Secured LoanLearn More

Loan Type Type 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.