Rates

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

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

*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).

*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.

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.

JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.10%, JUMBO would pay 3.35% APY). Effective 5/1/2023.

* Non-renewable.

Penalty for early withdrawal.

JUMBO IRA term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.10%, JUMBO would pay 3.35% APY).  

Effective 5/1/2023.

Term available based on credit score. Effective 5/1/2023.

*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 5.59% 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 05/01/2023

*Effective 05/01/2023. Term available based on credit score.

*100-120% NADA Retail to qualifited borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 7.09% with $5,000.00 or more financed. Effective 05/01/2023.

*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.

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

*Effective 5/1/2023.