Rates

Rates effective March 1, 2017

Vehicle Loans

Type Who's it for? APR*
Car or Truck (new or used)

For anyone looking to finance their next ride.

3.24% to 4.24%

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Loan/Term Comments APR*
New/Used Car or Truck - Up to 24 months Up to 100% of Car Value 3.24%
New/Used Car or Truck - Up to 36 months Up to 100% of Car Value 3.49%
New/Used Car or Truck - Up to 48 months Up to 100% of Car Value 3.74%
New/Used Car or Truck - Up to 60 months Up to 100% of Car Value 3.99%
New/Used Car or Truck - Up to 72 months Up to 100% of Purchase Price (Minimum $30,000) 4.24%
Motorcycle

For those who love the freedom of the open road.

7.25%

Boats

Anyone who wants to be called captain.

7.25%

Recreational Vehicles

For families who want to see America.

7.25%

Credit Cards

Type Who's it for? APR*
Visa Classic

The basic card for those just starting out. No Annual Fee. Revolving.

7.25%

Visa Platinum

For those who love true convenience. No Annual Fee. Revolving.

7.25%

Home Loans

Type Who's it for? APR*
Home Equity (fixed)

For anyone who wants to tap the equity in their home with a fixed rate and payment. 80% LTV, up to 120 months

5.75%

Home Equity (variable)

For those who want to keep their payments and options open with a revolving line of credit. 80% LTV, up to 240 months

4.00%

Home Improvement

For anyone looking to update their home for themselves or to put on the market. $20,000.00 maximum, up to 120 months.

9.00%

Other Personal Loans

Type Who's it for? APR*
Fresh Start

For families who need a helping hand. Up to 12 months.

Max. unsecured Signature Loan Rate

Signature (fixed)

For anyone interested in a quick and easy loan. All personal loans that are approved in the amount of $2,999.00 or less will be granted at an 18.25% APR.

9.00%

Signature (variable)

If you have a signature, you can get a loan. Up to 48 months.

9.70%

Savings-Secured

For anyone who wants to borrow money against their share savings account. 100% of share balance up to 5 years.

3.25% Above Last Dividend

Line of Credit

For anyone who needs immediate access to funds. Minimum $500.00, open ended.

9.70%

Checking Accounts

Type Who's it for? APY*
Kasasa Cash

For anyone interested in getting a return from their checking balance.

3.01% to 0.74%

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Kasasa Cash Checking Balance APY*
Up to $10,000 3.01%
Over $10,000 3.01% to 0.74%
Kasasa Tunes

For music lovers who want free music with their checking.

Rewards program

Savings Accounts

Type Who's it for? APY*
Standard Savings

For families who want to save for the future.

0.25%

Kasasa Saver

For anyone who wants to add a plus to their savings.

1.01% to 0.56%

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Kasasa Saver Balance APY*
Up to $25,000 1.01%
Over $25,000 0.56%
Club Accounts

For anyone planning ahead to the holidays or summer vacation. Any Balance

0.10%

Certificates

Type Who's it for? APY*
Certificates

For those who want to earn more for their savings.

1.35% to 0.49%

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Term Balance APY*
6 month $10,000 minimum Call for rate
1 year $1,000 - $9,999 0.49%
$10,000 - $49,999 0.59%
$50,000 - $99,999 0.69%
Over $100,000 0.79%
18 months $1,000 - $9,999 0.49%
$10,000 - $49,999 0.59%
$50,000 - $99,999 0.69%
Over $100,000 0.79%
2 years $1,000 - $9,999 0.62%
$10,000 - $49,999 0.72%
$50,000 - $99,000 0.82%
Over $100,000 0.92%
3 years $1,000 - $9,999 0.75%
$10,000 - $49,999 0.85%
$50,000 - $99,999 0.95%
Over $100,000 1.06%
4 years $1,000 - $9,999 0.87%
$10,000 - $49,999 0.97%
$50,000 - $99,999 1.08%
Over $100,000 1.18%
5 years $1,000 - $9,999 1.05%
$10,000 - $49,999 1.15%
$50,000 - $99,999 1.25%
Over $100,000 1.35%

Individual Retirement Account (IRA) and IRA Certificates

Type Who's it for? APY*
IRA Certificates

For those planning ahead to retirement.

1.05% to 0.49%

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IRAs (not tiered) Term APY*
6 month - $10,000 minimum Call for rate
1 year 0.49%
18 months 0.49%
2 years 0.62%
3 years 0.75%
4 years 0.87%
5 years 1.05%
IRAs

For those planning ahead to retirement outside their employer’s plan.

0.35% to 0.45%

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IRAs Balance APY*
Over $20,000 0.45%
$2,500 - $19,999 0.40%
$1 - $2,499 0.35%

Insured Money Market Account

Type Who's it for? APY*
Insured Money Market Account

For those who want a higher return on their investment.

0.40% to 0.30%

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Insured Money Market Account Balance APY*
Over $20,000 0.40%
$10,000 - $19,999 0.35%
$2,500 - $9,999 0.30%
Premium Insured Money Market Account

For those who want more from their Money Market Account.

0.75% to 0.25%

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Premium Insured Money Market Account Balance APY*
Over $100,000 0.75%
$50,000 - $99,999 0.60%
$25,000 - $49,999 0.50%
$0 - $24,999 0.25%

Interest Earning

Type Who's it for? APY*
Business Interest Checking

For business owners who want to earn interest on any balance.

0.10%

Business Savings

For entrepreneurs planning ahead. Any Balance.

0.25%

Insured Money Market Account

For those who want a higher return on their investment.

0.40% to 0.30%

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Insured Money Market Account Balance APY*
Over $20,000 0.40%
$10,000 - $19,999 0.35%
$2,500 - $9,999 0.30%
Premium Business Insured Money Market Account

For those who want more from their Money Market Account.

0.75% to 0.25%

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Premium Business Insured Money Market Account Balance APY*
Over $100,000 0.75%
$50,000 - $99,999 0.60%
$25,000 - $49,999 0.50%
$0 - $24,999 0.25%

Business Loans

Type Who's it for? APY*
Business Loans

For business owners who want to expand and grow their enterprise.

Varies

*Rates are subject to change and are based on individual's credit history and term of loan. Prime is 3.50% as of December 17, 2015. APR represents Annual Percentage Rate; APY represents Annual Percentage Yield.

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