APY = Annual Percentage Yield. Rates effective as of 6/1/2017. Fees may reduce earnings.
| Balance |
Rate |
APY |
| 0 - $10,000 |
2.47% |
2.50% |
| $10,000+ |
0.25% |
2.50 to 0.45% |
| All balances if qualifications not met |
0.05% |
0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and log into online banking
And if for some reason you don’t qualify one month, don’t worry. Your account is still free, and you’ll still earn our base dividend rate. You can get back to earning your full rewards the very next month.
| Balance |
Rate |
APY |
| 0 - $25,000 |
1.00% |
1.00% |
| $25,000+ |
0.25% |
1.00 to 0.40% |
| All balances if qualifications not met |
0.05% |
0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and log into online banking
And if for some reason you don’t qualify one month, don’t worry. Your Kasasa® accounts are still free and you’ll still earn our base dividend rate on Kasasa Saver. Then you can get back to earning your full rewards the very next month.
| Term |
Minimum Balance |
Rate |
APY |
| 3 Month |
$500 |
0.05% |
0.05% |
| 6 Month |
$500 |
0.10% |
0.10% |
| 1 Year |
$500 |
0.15% |
0.15% |
| 18 Month |
$500 |
0.20% |
0.20% |
| 24 Month |
$500 |
0.30% |
0.30% |
| 36 Month |
$500 |
0.35% |
0.35% |
| 36 Month |
$25,000 |
0.40% |
0.40% |
| 36 Month |
$50,000 |
0.45% |
0.45% |
| 48 Month |
$500 |
0.40% |
0.40% |
| 48 Month |
$25,000 |
0.45% |
0.45% |
| 48 Month |
$50,000 |
0.50% |
0.50% |
| 60 Month |
$500 |
0.45% |
0.45% |
| 60 Month |
$25,000 |
0.50% |
0.50% |
| 60 Month |
$50,000 |
0.55% |
0.55% |
| Cubby & FYI: 1 Year Fixed |
$100 |
0.25% |
0.25% |
Penalty for early withdrawal. Certificate dividends compounded monthly.
Coverdell ESA Certificate
| Term |
Minimum Balance |
Rate |
APY |
| 1 Year Fixed |
$100 |
0.20% |
0.20% |
| 1 Year Fixed |
$500 |
0.25% |
0.25% |
| 2 Year Fixed |
$500 |
0.50% |
0.50% |
| 3 Year Fixed |
$500 |
0.65% |
0.65% |
| 4 Year Fixed |
$500 |
0.80% |
0.80% |
| 5 Year Fixed |
$500 |
1.24% |
1.25% |
Penalty for early withdrawal. Certificate dividends compounded monthly.
Traditional/ROTH IRA CertificatesLearn More
| Term |
Minimum Balance |
Rate |
APY |
| 1 Year Variable |
$500 |
0.15% |
0.15% |
| 1 Year Fixed |
$500 |
0.25% |
0.25% |
| 2 Year Fixed |
$500 |
0.50% |
0.50% |
| 3 Year Fixed |
$500 |
0.65% |
0.65% |
| 4 Year Fixed |
$500 |
0.80% |
0.80% |
| 5 Year Fixed |
$500 |
1.24% |
1.25% |
Penalty for early withdrawal. Certificate dividends compounded monthly.
| Term |
Minimum Balance |
Rate |
APY |
| 1 Year Fixed |
$500 |
0.35% |
0.35% |
| 2 Year Fixed |
$500 |
0.50% |
0.50% |
| 3 Year Fixed |
$500 |
0.65% |
0.65% |
| 4 Year Fixed |
$500 |
0.80% |
0.80% |
| 5 Year Fixed |
$500 |
1.24% |
1.25% |
Penalty for early withdrawal. Certificate dividends compounded monthly.
Wealth Builder AccountsLearn More
| Type |
Minimum Balance |
Rate |
APY |
| Wealth Builder Savings |
$25 |
0.25% |
0.25% |
| Wealth Builder CD (1 Year) |
$500 |
0.50% |
0.50% |
| Sky High Wealth Builder Plus |
$2,500 |
0.50% |
0.50% |
| Sky High Wealth Builder Plus |
$20,000+ |
0.03% |
0.03% |
Borrow & Save SavingsLearn More
| Balance |
Rate |
APY |
| $25 - $1,200 |
0.10% |
0.10% |
| $1,201 - $2,400 |
0.15% |
0.15% |
| $2,401 - $3,600 |
0.25% |
0.25% |
| $3,601 - $4,800 |
0.30% |
0.30% |
| $4,801 - $6,000 |
0.40% |
0.40% |
| $6,001+ |
0.50% |
0.50% |
| Minimum Balance |
Rate |
APY |
| $1,000 - $9,999 |
0.03% |
0.03% |
| $10,000 - $24,999 |
0.03% |
0.03% |
| $25,000 - $49,999 |
0.03% |
0.03% |
| $50,000 - $99,999 |
0.05% |
0.05% |
| $100,000+ |
0.10% |
0.10% |
| Minimum Balance |
Rate |
APY |
| $25,000 - $49,999 |
0.05% |
0.05% |
| $50,000 - $99,999 |
0.10% |
0.10% |
| $100,000 - $149,999 |
0.10% |
0.10% |
| $150,000 - $199,999 |
0.10% |
0.10% |
| $200,000+ |
0.15% |
0.15% |
Sky High Money MarketLearn More
| Minimum Balance |
Rate |
APY |
| $15,000 - $24,999 |
0.15% |
0.15% |
| $25,000 - $49,999 |
0.15% |
0.15% |
| $50,000 - $99,999 |
0.20% |
0.20% |
| $100,000 - $249,999 |
0.30% |
0.30% |
| $250,000+ |
0.40% |
0.40% |
Secured/Unsecured Loans
| Type |
Maximum Term |
Fixed Rate APR |
| Secured Collateral - 2015 & newer |
36 months |
As low as 1.99% |
| Secured Collateral - 2015 & newer |
60 months |
As low as 2.49% |
| Secured Collateral - 2015 & newer |
72 months^ |
As low as 3.24% |
| Secured Collateral - 2007 - 2014 |
36 months |
As low as 2.99% |
| Secured Collateral - 2007 - 2014 |
60 months |
As low as 3.49% |
| Secured Collateral - 2007 - 2014 |
72 months^ |
As low as 4.24% |
| Secured Collateral - 2002 - 2006 |
36 months |
As low as 3.99% |
| Secured Collateral - 2002 - 2006 |
60 months |
As low as 4.49% |
| Secured Collateral - 2002 - 2006 |
72 months^ |
As low as 5.24% |
| Secured Collateral - 2001 and older |
60 months |
As low as 7.95% |
| Unsecured Personal Loan |
60 months |
As low as 7.95% |
APR is defined as Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral. Payment example: based on a $20,000 loan and collateral 2015 and newer: $572.82 at 1.99% APR with a 36 month term; $354.91 at 2.49% APR with a 60 month term; $306.08 at 3.24% with a 72 month term. Your APR may differ based on: loan amount, repayment method and other factors
^ Longer terms available. Contact the Loan department for details.
