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Rates

Rates effective as of September 1, 2014

APY = Annual Percentage Yield

Please Note: Fees may reduce earnings.

Kasasa Cash*

BalanceRateAPY
Up to $5,0001.98%2.00%
$5,000 and greater0.01%0.01%
Qualifiers Not Met0.01%0.01%

*To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases clear
  • Be enrolled in eStatement notices
  • Have at least 1 automatic direct deposit (ACH) clear
  • Be enrolled and log into online or mobile banking at least once

APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 06/02/2014. Rates subject to change. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $5,000 receive APY of 2.00% with a rate of 1.98%; and (3) balances over $5,000 earn 0.01% APY with a rate of .01% on portion of balance over $5,000, resulting in 2.00% - 0.10% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY with a rate of 0.01%. Qualifying transactions must clear account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.

Kasasa Saver*

BalanceRateAPY
Up to $5,0000.35%0.35%
$5,000 and greater0.01%0.01%
Qualifiers Not Met0.01%0.01%

*To earn your rewards, simply do the following activities and transactions in your Kasasa Saver account each monthly qualification cycle:

  • Have at least 15 debit card purchases clear
  • Be enrolled in eStatement notices
  • Have at least 1 automatic direct deposit (ACH) clear
  • Be enrolled and log into online or mobile banking at least once

Kasasa Cash + Kasasa Saver

APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 06/02/2014. Rates subject to change. Minimum to open is $25 for Kasasa Cash and $0 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) ATM fees incurred during qualification cycle will be reimbursed up to $10 and credited to account on the last day of monthly statement cycle; (2) balances up to $5,000 receive APY of 2.00% with a rate of 1.98%; and (3) balances over $5,000 earn 0.01% APY with a rate of 0.01% on the portion of the balance over $5,000, resulting in 2.00% - 0.10% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.01% APY with a rate of 0.01%. Qualifying transactions must clear Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically deposited to Kasasa Saver at the end of each statement cycle. Actual dividend 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 $5,000 in Kasasa Saver receive an APY of 0.35% with a rate of 0.35%; and (2) balances over $5,000 in Kasasa Saver earn 0.01% dividend rate with a rate of 0.01% on portion of balance over $5,000, resulting in 0.35% - 0.03% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY with a rate of 0.01%. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.


Kasasa Cash Back + Kasasa Saver

APY=Annual Percentage Yield. Clearing account means item must post and settle. APYs and rates accurate as of 06/02/2014. Rates subject to change. Minimum to open is $25 for Kasasa Cash Back and $0 for Kasasa Saver. When monthly qualifications are met, you will receive 2% cash back on debit card purchases that clear account during monthly qualification cycle up to a total cash back of $5 per monthly qualification cycle. ATM fees incurred using Kasasa Cash Back debit card during qualification cycle will be reimbursed up to $10 if qualifications are met within monthly qualification cycle. Qualifying transactions must clear account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to clear an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means the day after the end of the previous qualification cycle through the second to last business day of the current statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $5,000 in Kasasa Saver receive an APY of 0.35% with a rate of 0.35%; and (2) balances over $5,000 in Kasasa Saver earn 0.01% APY with a rate of 0.01% on the portion of the balance over $5,000, resulting in 0.35 % - 0.03% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY with a rate of 0.01%. Interest and incentives will be paid on the last day of the month and are subject to IRS reporting. Transfers between accounts do not count as qualifying transactions. Accounts closed before the end of the qualification cycle forfeit that cycle's rewards. Limit one account per SSN.

Standard Savings

NameMinimum BalanceDividend/Interest RateAPY
Member Share$50.10%0.10%
Star Saver$00.10%0.10%
$1000.15%0.15%
Christmas Club$00.10%0.10%
Money Market$2,0000.20%0.20%
$20,0000.25%0.25%
$75,0000.30%0.30%
$200,0000.30%0.30%
Check Plus Checking$5000.10%0.10%
IRA (all)$00.20%0.20%
Health Savings (HSA)$400.20%0.20%

†This account will not earn interest, unless it maintains a minimum daily balance of $100.

Certificates of Deposit

NameMinimum BalanceDividend/Interest RateAPY
6 Month$5000.30%0.30%
One Year$5000.50%0.50%
18 Month$5000.60%0.60%
Two Year$5000.85%0.85%
Three Year$5001.05%1.05%
Four Year$5001.44%1.45%
Five Year$5001.74%1.75%
Five Year Jumbo$50,0001.74%1.75%

Auto Loans

NameTermRate
New/Used Auto & Motorcycles >500cc12-36 MonthsAs low as 2.49%
37-48 MonthsAs low as 2.49%
49-60 MonthsAs low as 2.49%
61-72 MonthsAs low as 2.74%
73-84 MonthsAs low as 3.75%
New 2014 & 2015 Model Year Lansing Made Autos12-36 MonthsAs low as 2.24%
37-48 MonthsAs low as 2.24%
49-60 MonthsAs low as 2.24%
61-72 MonthsAs low as 2.49%
73-84 MonthsAs low as 3.50%

Recreational Vehicles

NameTermRate
New/Used RVUp to 36 MonthsAs low as 4.75%
37-48 MonthsAs low as 4.75%
49-60 MonthsAs low as 4.75%
61-72 MonthsAs low as 5.25%
73-84 MonthsAs low as 5.75%
85-120 MonthsAs low as 6.50%
New/Used Motorcycles over 500cc12 to 36 MonthsAs low as 2.49%
37-48 MonthsAs low as 2.49%
49-60 MonthsAs low as 2.49%
61-72 MonthsAs low as 2.74%
73-84 MonthsAs low as 3.75%

This category includes RVs, Snowmobiles, Motorcycle and ATVs.

Additional Loan Options

NameTermRate
Revolving Credit72 MonthsAs low as 14.00%
Share Secured Loanto 60 Months on share or certificate maturity3.0 points over dividend rate
Unsecured Loan12-36 MonthsAs low as 9.00%
37-48 MonthsAs low as 9.25%
49-60 MonthsAs low as 9.50%
61-72 MonthsAs low as 9.75%

Home Equity Loans

NameTermRate
Open Ended Variablen/aAs low as 4.00%
Closed End60 MonthsAs low as 5.25%
120 MonthsAs low as 5.50%
120 MonthsAs low as 6.00%
240 MonthsAs low as 6.25%