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Rates

APY = Annual Percentage Yield
APR = Annual Percentage Rate
Rates effective as of  7/1/19.
Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Dividend Rate APY
Up to $10,000 2.50% 2.50%
Over $10,000 0.25% 2.50% to 0.45%
If qualifications are not met 0.05% 0.05%

Effective 08/04/14. 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* Learn More

Balance Dividend Rate APY
Up to $10,000 0.449% 0.45%
Over $10,000 0.25% 0.26% to 0.45%
If qualifications are not met 0.05% 0.05%

Effective 08/04/14. 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

Share Accounts

Account Type Dividend Rate APY
Regular Share Account 0.449% 0.45%
Dream Savings (Monthly) 0.449% 0.45%
Dream Club (Monthly) 0.449% 0.45%
  • 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 0.349% 0.35%
Student Checking 0.349% 0.35%

Prestige Draft Accounts Learn More

Balance Dividend Rate APY
$500 - $2,499.99 0.349% 0.35%
$2,500 - $14,999.99 0.399% 0.40%
$15,000 and Greater 0.449% 0.45%

Money Market (First Fund) Learn More

Balance Dividend Rate APY
$0 - $2,499.99 0.449% 0.45%
$2,500 - $24,999.99 0.648% 0.65%
$25,000 - $49,999.99 0.698% 0.70%
$50,000 - $99,999.99 0.747% 0.75%
$100,000 - $249,999.99 0.797% 0.80%
$250,000 and Greater 0.847% 0.85%

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.

Term Share Certificate Learn More

Term Minimum Dividend Rate APY
6 months $1,000 1.047% 1.05%
1 year   $1,000 1.691% 1.70%
13 months* $1,000 1.988% 2.00%
2 years $1,000 1.790% 1.80%
27 months* $1,000 2.485 2.50%
3 years $1,000 1.939% 1.95%
4 years $1,000 2.182% 2.20%

Penalty for early withdrawal.  *Non-renewable. Term share certificates of 24 months or greater duration are eligible to adjust to higher current rate one time during length of certificate term, excluding specials. Effective July 2019.

IRA Savings Learn More

Account Type Dividend Rate APY
Regular, Roth & Educational 0.549% 0.55%

IRA Term Share Certificate Learn More

Term Minimum Dividend Rate APY
6 months $1,000 1.046% 1.05%
1 year $1,000 1.689% 1.70%
2 years $1,000 1.788% 1.80%
3 years $1,000 1.936% 1.95%
4 years $1,000 2.182% 2.20%

Penalty for early withdrawal. Effective July 2019.

New Autos Learn More

Maximum Term Annual Percentage Rate
1 - 36 months as low as 2.89% - 15.89%
37 - 48 months as low as 3.04% - 16.04%
49 - 60 months as low as 3.19% - 16.19%
61 - 72 months as low as 3.59% - 16.59%
73 - 84 months as low as 5.19% - 9.44%

Term available based on credit score. Effective 4/1/19

Pre-owned Autos Learn More

Maximum Term Annual Percentage Rate
1 - 12 months ('10 & older) as low as 3.40% - 18.00%
13 - 24 months ('11 - '12) as low as 3.40% - 18.00%
25 - 36 months ('13 - '14) as low as 3.40% - 17.90%
37 - 48 months ('15 - '16) as low as 3.40% - 17.15%
49 - 60 months ('17 - '19) as low as 3.40% - 16.40%
  • 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 3.19% 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 4/1/19

New Rec Vehicles Learn More

Maximum Term Annual Percentage Rate
1 - 36 months as low as 4.39% - 17.39%
37 - 48 months as low as 4.54% - 17.54%
49 - 60 months as low as 4.69% - 17.69%
61 - 72 months as low as 5.09% - 18.00%
73 - 84 months as low as 6.69% - 10.94%

Effective 4/1/19. Term available based on credit score.

Pre-owned Rec Vehicles Learn More

Maximum Term Annual Percentage Rate
1 - 12 months ('10 & older) as low as 4.90% - 18.00%
13 - 24 months ('11 - '12) as low as 4.90% - 18.00%
25 - 36 months ('13 - '14) as low as 4.90% - 18.00%
37 - 48 months ('15 - '16) as low as 4.90% - 18.00%
49 - 60 months ('17 - '19) as low as 4.90% - 17.90%
Jet Skis Same as Personal Rates

Effective 4/1/19. 100% NADA Retail to qualified borrowers.

Home Equity Learn More

Maximum Term Annual Percentage Rate
5 years as low as 4.45% - 9.75%
7 years as low as 4.95% - 10.25%
10 years as low as 5.45% - 10.75%
15 years as low as 5.70% - 11.00%
20 years as low as 5.95% - 11.25%

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 4/1/19.

Personal Loans

Type Maximum Amount Maximum Term Annual Percentage Rate
Small Dollar Personal Loan $800 and Below 1 - 6 months 11.00% - 28.00%
Personal $801 - $25,000 1 - 72 months 8.75% - 18.00%
Line of Credit / Overdraft Line of Credit $1 - $15,000 1 - 60 months 8.75% - 18.00%

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

Share Secured Loans Learn More

Type Maximum Amount Maximum Term Annual Percentage Rate
Secured w/Savings Total of Share Balance 1 - 24 months 2.25% - 8.25%
Secured w/Savings Total of Share Balance 25 - 60 months 2.75% - 8.75%
Secured w/ Certificate Face amount of Certificate 1 - 120 months 2% above yield

Farm Equipment (New or Pre-owned) Learn More

Maximum Amount Maximum Term Annual Percentage Rate
100% of purchase price; maximum amount not to exceed 60 months 1 - 60 months 5.45% - 18.00%

Effective 4/1/19.