Easily save and receive automatic deposits of ATM withdrawal fee refunds and dividends while you earn with Kasasa Cash® or Kasasa Cash Back®!

Rates

Key Features

  • Automatic Savings
  • Earn High Interest
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirements
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.00% APY‡ on balances up to $10,000
  • 1.00% to 0.55% APY on balances over $10,000 depending on balance in account‡
  • 0.05% APY‡ if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with remote deposit
    • Free eStatements & eNotices
  • Access your money at thousands of surcharge-free ATMs
  • $5 minimum deposit to open

Earning your rewards is easy!

By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

And if you don't qualify during a cycle, don't worry. There's no penalty for not qualifying. You still have a free savings account that earns a base 0.05% APY‡. Plus you can get right back to earning a higher rate the next month you qualify.

Identification Needed to Establish an Account

‡APY=Annual Percentage Yield. APYs accurate as of 12/01/2022. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the first business day of the next monthly statement cycle; (2) balances up to $10,000 receive APY of 4.00%; and (3) balances over $10,000 earn 0.50% dividend rate on the portion of the balance over $10,000, resulting in 4.00% - 0.82% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividends amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.50% dividend rate on portion of balance over $10,000, resulting in 1.00% - 0.55% APY depending on the balance. If qualifications are not met on Kasasa Saver balance earns 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher. 

‡APY=Annual Percentage Yield. APYs accurate as of 12/01/2022. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash Back and $5 for Kasasa Saver. When monthly qualifications are met, you will receive 4% cash back on debit card purchases that post and settle to account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post and settle to account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the first day of the next monthly statement dividends cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $10,000 Kasasa Saver receive an APY of1.00%; and (2) balances over $10,000 in Kasasa Saver earn 0.50% dividend rate on the portion of the balance. $10,000, resulting in 1.00% - 0.55% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher. 

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

$
$
#
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
$
$
%
2. Loan Details
%
#
%
3. Lease Details
%
#
$
%
Share Certificates CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

$
#
%
What is the compounding interval?
  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

$
#
%
$
Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

$
%
#
  • Total paid $0
  • Total interest paid $0

Farm Equipment (New or Pre-owned)*

Maximum Amount Maximum Term Annual Percentage Rate
100% of purchase price; maximum amount not to exceed 72 months 1 - 72 months 7.55% - 18.00%

*Effective 1/20/2023.

Home Equity*

Maximum Term Annual Percentage Rate
5 years as low as 6.30% - 11.60%
7 years as low as 6.80% - 12.10%
10 years as low as 7.30% - 12.60%
15 years as low as 7.55% - 12.85%
20 years as low as 7.80% - 13.10%

*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan. Home Equity Loan property must be located within a 200 mile radius of a branch location. Effective 1/20/2023.

IRA Savings

Account Type Dividend Rate APY
Regular, Roth & Educational 0.499% 0.50%

IRA Term Share Certificate

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
2 years $1,000 3.113% 3.15%
3 years $1,000 3.309% 3.35%
4 years $1,000 3.406% 3.45%
5 years $1,000 3.698% 3.75%

Penalty for early withdrawal. Effective 1/20/2023.

Kasasa Cash*

Balance Dividend Rate APY
Up to $10,000 3.928% 4.00%
Over $10,000 0.499% 4.00% to 0.82%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Kasasa Saver*

Balance Dividend Rate APY
Up to $10,000 0.995% 1.00%
Over $10,000 0.499% 0.55% to 1.00%
If qualifications are not met 0.05% 0.05%

Effective 12/01/22. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:

  • Have at least 12 check card purchases post and settle
  • Enroll and receive e-statement notice
  • Be enrolled and log into online banking

Lifestyle Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
10.49% - 18.00%

APR for Balance Transfers

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

APR for Cash Advances

Lifestyle
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
12.49% - 18.00%

Money Market (First Fund)*

Balance Dividend Rate APY
$0 - $2,499.99 0.250% 0.25%
$2,500 - $24,999.99 0.499% 0.50%
$25,000 - $49,999.99 0.598% 0.60%
$50,000 - $99,999.99 0.698% 0.75%
$100,000 - $249,999.99 0.995% 1.00%
$250,000 and Greater 1.243% 1.25%

*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.

New Autos*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 4.79% - 17.79%
37 - 48 months as low as 4.94% - 17.94%
49 - 66 months as low as 5.09% - 18.00%
67 - 72 months as low as 5.09% - 18.00%
73 - 84 months as low as 6.09% - 10.34%

Term available based on credit score. Effective 1/20/2023.

New Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 36 months as low as 6.29% - 18.00%
37 - 48 months as low as 6.44% - 18.00%
49 - 66 months as low as 6.59% - 18.00%
67 - 72 months as low as 6.59% - 18.00%
73 - 84 months as low as 7.59% - 11.84%

*Effective 01/20/2023. Term available based on credit score.

Personal Loans*

Type Maximum Amount Maximum Term Annual Percentage Rate
Small Dollar Personal Loan $800 and Below 1 - 6 months 13.50% - 28.00%
Personal $801 - $30,000 1 - 84 months 11.25% - 18.00%
Line of Credit / Overdraft Line of Credit $1 - $30,000 1 - 72 months 11.25% - 18.00%

*Small personal loans of $800 or less will incur a $20 application fee.

Pre-owned Autos*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 5.09% - 18.00%
24 - 30 months ('15 - '16) as low as 5.09% - 18.00%
36 - 42 months ('17 - '18) as low as 5.09% - 18.00%
48 - 60 months ('19 - '20) as low as 5.09% - 18.00%
60 - 72 months ('21 - '23) as low as 5.09% - 18.00%

*Classic Auto may be financed up to 24 months, or longer with approval from President

*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.09% with $5,000.00 or more financed.

*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.

*If the term of the loan is extended, rates may be subject to a 1% APR increase.

*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.

*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.

*Effective 01/20/2023

Pre-owned Rec Vehicles*

Maximum Term Annual Percentage Rate
1 - 18 months ('14 & older) as low as 6.59% - 18.00%
24 - 30 months ('15 - '16) as low as 6.59% - 18.00%
36 - 42 months ('17 - '18) as low as 6.59% - 18.00%
48 - 60 months ('19 - '20) as low as 6.59% - 18.00%
60 - 72 months ('21 - '23) as low as 6.59% - 18.00%
Jet Skis Same as Personal Rates

*100-120% NADA Retail to qualifited borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 6.59% with $5,000.00 or more financed. Effective 01/20/2023.

Prestige Draft Accounts

Balance Dividend Rate APY
$500 - $2,499.99 0.150% 0.15%
$2,500 - $14,999.99 0.349% 0.35%
$15,000 and Greater 0.499% 0.50%

Share Accounts*

Account Type Dividend Rate APY
Regular Share Account 0.250% 0.25%
Dream Savings (Monthly) 0.250% 0.25%
Dream Club (Monthly) 0.250% 0.25%

*Regular Shares minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.

*Dream Savings Accounts are those called Special Savings, Vacation, Christmas, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month

*Regular Share and Dream Savings Accounts allow four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4).

Share Draft Accounts

Account Type Dividend Rate APY
Super Saver Checking 0.050% 0.05%
Student Checking 0.050% 0.05%

Share Secured Loans

Type Maximum Amount Maximum Term Annual Percentage Rate
Secured w/Savings Total of Share Balance 1 - 24 months 4.50% - 10.50%
Secured w/Savings Total of Share Balance 25 - 60 months 5.00% - 11.00%
Secured w/ Certificate Face amount of Certificate 1 - 120 months 2% above yield

Term Share Certificate*

Term Minimum Dividend Rate APY
6 months $1,000 2.280% 2.30%
1 year $1,000 2.820% 2.85%
13 months* $1,000 3.455% 3.50%
2 years $1,000 3.113% 3.15%
25 months* $1,000 3.941% 4.00%
3 years $1,000 3.309% 3.35%
37 months* $1,000 3.941% 4.00%
4 years $1,000 3.406% 3.45%
49 months* $1,000 4.038% 4.10%
5 years $1,000 3.698% 3.75%
61 months* $1,000 4.184% 4.25%

Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term, excluding special non-renewable terms of 13, 25, 37, 49 and 61 months. Effective 1/20/2023.

* Non-renewable.

VISA Credit Card

Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
11.74% - 18.00% 13.74% - 18.00% 16.24%

APR for Balance Transfers

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%

APR for Cash Advances

Premium/Lifestyle Rewards Secured
6.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.74% - 18.00% 15.74% - 18.00% 18.00%