Rates

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Kasasa Cash® Checking 1 Effective Date: November 15 to November 22, 2017
Minimum Balance APY 1 Dividend Rate

Up to $9,999.99

When Rewards Qualifications are met2

1.25% 1.24%

$10,000 or greater

When Rewards Qualifications are met2

0.20% 0.20%

Non-qualifying rate

When Rewards Qualifications are not met3

0.05% 0.05%
Premium Business Checking 1 Effective Date: November 15 to November 22, 2017
Minimum Balance APY 1 Dividend Rate
Up to $999.99 0.00% 0.00%
$1,000 or greater 0.05% 0.05%

1APY= Annual Percentage Yield. APYs accurate as of 11/15/2017. Variable rate accounts. Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The advertised Kasasa Cash APY is based on a compounding dividend. Dividends earned in Kasasa Cash are automatically transferred to your Kasasa Saver Account each statement cycle and do not compound. If you do not have a Kasasa Saver Account, the dividends will remain in your Kasasa Cash Account. 
2This rate is only available when all Reward Qualifications are met. To meet the Rewards Qualifications, you must do all of the following during the Monthly Qualification Cycle: (a) be enrolled in eStatements; (b) have at least 12
posted and settled debit card purchases; and (c) log into Online or Mobile Banking at least once. Qualifying transactions must post to and settle Kasasa Cash account during the Monthly Qualification Cycle. Transactions may take one or more business days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count toward qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle, subject to weekends and holidays.
3This is the standard rate applicable to the Kasasa Cash Checking Account if all Reward Qualifications are not met during the Monthly Qualification Cycle.

Savings Accounts Effective Date: November 15 to November 22, 2017
  Balance APY 1 Dividend Rate
Primary Share Up to $999.99 0.00% 0.00%
$1,000 - $29,999.99 0.04% 0.04%
$30,000 - $74,999.99 0.04% 0.04%
$75,000 or greater 0.14% 0.14%
Kasasa Saver™ Up to $19,999.99 0.75% 0.75%
$20,000 or greater 0.25% 0.25%
Non-qualifying rate 0.05% 0.05%
Money Market $2,500 - $29,999.99 0.08% 0.08%
$30,000 - $74,999.99 0.08% 0.08%
$75,000 - $124,999.99 0.13% 0.13%
$125,000 and greater 0.20% 0.20%
Club Account Any 0.05% 0.05%
Regular IRA Any 0.15% 0.15%
Youth Accounts Effective Date: November 15 to November 22, 2017
  Balance APY 1 Dividend Rate
Starter Savings $1 or greater 0.05% 0.05%
Adventure Savers $1 or greater 0.05% 0.05%
Frequency Savings $10 or greater 0.05% 0.05%
Investment Accounts Effective Date: November 15 to November 22, 2017
  Minimum Balance Terms APY 1 Dividend Rate
Regular Share Certificate2 $1,000 6 Months 0.04% 0.04%
9 Months 0.09% 0.09%
12 Months 0.23% 0.225%
18 Months 0.38% 0.375%
24 Months 0.53% 0.525%
36 Months 0.68% 0.675%
Premium Share Certificate2 $10,000 6 Months 0.05% 0.05%
9 Months 0.10% 0.10%
12 Months 0.30% 0.30%
18 Months 0.45% 0.45%
24 Months 0.60% 0.60%
36 Months 0.75% 0.75%
48 Months 0.93% 0.93%
60 Months 1.09% 1.08%
Adventure Savers Share Certificate2 $250 3 Months 0.04% 0.04%
Frequency Share Certificate2 $500 3 Months 0.09% 0.09%
Regular IRA Share Certificate2 $1,000 6 Months 0.14% 0.14%
9 Months 0.19% 0.19%
12 Months 0.33% 0.325%
18 Months 0.48% 0.475%
24 Months 0.63% 0.625%
36 Months 0.88% 0.875%
Premium IRA Share Certificate2 $10,000 6 Months 0.15% 0.15%
9 Months 0.20% 0.20%
12 Months 0.35% 0.35%
18 Months 0.50% 0.50%
24 Months 0.65% 0.65%
36 Months 0.85% 0.85%
48 Months 1.03% 1.03%
60 Months 1.19% 1.18%

1APY=Annual Percentage Yield. APYs accurate as of 11/15/2017. Variable rate accounts. Rates, terms and conditions are subject to change anytime after account opening, as determined by the credit union, except that share certificate accounts remain fixed until maturity. Fees may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
2Term Share (Certificate) Accounts will mature as reflected above (with a maturity ranging from 3 to 60 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date.

Auto, Truck, SUV (New & Used 2013 - 2017)2 Effective Date: September 1, 2017
Minimum Loan Amount Term in Months APR1
As Low As
$5,000 12-48 2.99%
$7,500 49-60 2.99%
$10,000 61-66 3.54%
$15,000 67-72 3.54%
$20,000 73-84 3.64%

1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. Add 2% for mileage over 100K or Classic/Custom Auto. 60-month maximum term for classic, custom or auto over 100,000 miles.
2 For 48 monthly payments at 2.99% APR the repayment amount would be $22.14 per $1,000 borrowed.
2 For 60 monthly payments at 2.99% APR the repayment amount would be $17.97 per $1,000 borrowed.
2 For 66 monthly payments at 3.54% APR the repayment amount would be $16.70 per $1,000 borrowed.
2 For 72 monthly payments at 3.54% APR the repayment amount would be $15.44 per $1,000 borrowed.
2 For 84 monthly payments at 3.64% APR the repayment amount would be $13.51 per $1,000 borrowed.

Auto, Truck, SUV (Used 2007 - 2012)2 Effective Date: September 1, 2017
Minimum Loan Amount Term in Months APR1
As Low As
(Mileage < 100,000) 
APR1
As Low As
(Mileage > 100,000) 
$2,500 12-36 3.74% 9.24%
$5,000 37-48 3.74% 9.24%
$7,500 49-60 3.74% 9.24%
$10,000 61-66 3.74% N/A
$15,000 67-72 3.74% N/A
$20,000 73-84 3.79% N/A

1 APR=Annual Percentage Rate.  All rates will be determined by your credit history. Rates, terms and conditions are subject to change. Maximum Loan Amount $40,000.
2 For 36 monthly payments at 3.74% APR the repayment amount would be $29.42 per $1,000 borrowed.
2 For 48 monthly payments at 3.74% APR the repayment amount would be $22.47 per $1,000 borrowed.
2 For 60 monthly payments at 3.74% APR the repayment amount would be $18.31 per $1,000 borrowed.
2 For 66 monthly payments at 3.74% APR the repayment amount would be $16.79 per $1,000 borrowed.
2 For 72 monthly payments at 3.74% APR the repayment amount would be $15.53 per $1,000 borrowed.
2 For 84 monthly payments at 3.79% APR the repayment amount would be $13.58 per $1,000 borrowed.
 2 For 36 monthly payments at 9.24% APR the repayment amount would be $31.92 per $1,000 borrowed.
2 For 48 monthly payments at 9.24% APR the repayment amount would be $25.01 per $1,000 borrowed.
2 For 60 monthly payments at 9.24% APR the repayment amount would be $20.80 per $1,000 borrowed.

Recreational Vehicle (New & Used)2 Effective Date: August 22, 2017
Minimum Loan Amount Term in Months APR1
As Low As
$2,500 36 6.25%
$5,000 48 6.25%
$7,500 60 6.25%
$15,000 72 6.25%
$20,000 84 6.25%
$30,000 96 6.25%
$30,000 120 6.25%
$50,000 144 6.25%
$50,000 180 6.25%

1 APR=Annual Percentage Rate.  All rates will be determined by your credit history. Rates, terms and conditions are subject to change. Add 2% for mileage over 100K or Classic/Custom Motorcycles.
2 For 36 monthly payments at 6.25% APR the repayment amount would be $30.54 per $1,000 borrowed.
2 For 48 monthly payments at 6.25% APR the repayment amount would be $23.61 per $1,000 borrowed.
2 For 60 monthly payments at 6.25% APR the repayment amount would be $19.46 per $1,000 borrowed.
2 For 72 monthly payments at 6.25% APR the repayment amount would be $16.70 per $1,000 borrowed.
2 For 84 monthly payments at 6.25% APR the repayment amount would be $14.74 per $1,000 borrowed.
2 For 96 monthly payments at 6.25% APR the repayment amount would be $13.27 per $1,000 borrowed.
2 For 120 monthly payments at 6.25% APR the repayment amount would be $11.23 per $1,000 borrowed.
2 For 144 monthly payments at 6.25% APR the repayment amount would be $9.90 per $1,000 borrowed.
2 For 180 monthly payments at 6.25% APR the repayment amount would be $8.58 per $1,000 borrowed.

 

Home Equity Line of Credit Effective Date: June 20, 2017
Minimum Loan Amount Maximum Loan Amount APR 1
$10,000 $250,000 5.00% - 15.00%

1APR = Annual Percentage Rate. All loans subject to credit approval. Rates, terms and conditions subject to change. The minimum APR is 4.00%. The maximum APR is 15.00%. The APR is variable, based on an index and margin. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition (the "index"), plus 0.00% to 2.00% depending on primary wage earners FICO score (the "margin"). You may pay certain fees ranging from $300 to $1500 to third parties to open a line of credit. $75 over-the-limit fee. Appraisal fee and Title fee may be required. Please see Schedule of Fees for a full list of potentially applicable fees. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $10,000. Maximum loan amount is $250,000. $100 minimum draw. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment term. Primary Residence: 80% Maximum Combined Loan-To-Value (CLTV). Investment Property: 70% Maximum Combined Loan-To-Value (CLTV). Other restrictions may apply.

Mortgage Rates
For today's Mortgage Rates, please click here.
Visa Credit Cards Effective Date: September 1, 2017
  APR 1 Annual Fees
Platinum ScoreCard Visa 9.49% - 19.49% None
Platinum ScoreCard Visa Secured 9.49% - 19.49% None
Applicable Fees Late Payment: $10.00
Balance Transfer/Cash Advance: None
Over-the-Credit-Limit: None
Returned Payment: $25.00
Foreign Transaction Fees 1% of each transaction in US dollars (transaction made in foreign currency)
0.8% of each transaction in US dollars (transactions made in foreign currency, billed in US dollars)

1 APR = Annual Percentage Rate. Based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Visa Disclosure Information

Personal Loan 2 Effective Date: September 1, 2017
Minimum Loan Amount Term in Months APR1
As Low As
$500 12 12.00%
$1,000 24 12.25%
$2,500 36 12.50%
$5,000 48 12.75%

APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change.
For 12 monthly payments at 12.00% APR the repayment amount would be $88.85 per $1,000 borrowed.
For 24 monthly payments at 12.25% APR the repayment amount would be $47.19 per $1,000 borrowed.
For 36 monthly payments at 12.50% APR the repayment amount would be $33.46 per $1,000 borrowed.
For 48 monthly payments at 12.75% APR the repayment amount would be $26.71 per $1,000 borrowed.

Overdraft Protection Line of Credit 2 Effective Date: September 1, 2017
Minimum Loan Amount Maximum Loan Amount APR1
As Low As
$100 $5,000 17.40%

APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change.
2Must have an open checking account and all account holders must be included in the application. Availability of Funds: Each advance is subject to availability of unused balance of credit line. Must advance in $100 increments. Repayment: Monthly payment of 5% of outstanding balance or minimum of $25, whichever is greater.