Rates

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!

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	0.10%	0.10%
$39,999.01+	0.15%	0.15%

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	0.15%	0.15%
$39,999.01+	0.15%	0.15%

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	0.10%	0.10%
$39,999.01+	0.15%	0.15%

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%

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%

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 of January 1, 2021. This is a Dividend Rate and APY as of the last dividend declaration date of January 1, 2021. 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.