Interest Rates

Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $100 2.96% 3.00%
$10,000+ $100 0.25% 3.00% to 0.50%
All balances if qualifications not met $100 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month. Rate may change after account is opened.

Kasasa Saver*

Balance Interest Rate APY
0 - $100,000 0.75% 0.75%
$100,000+ 0.50% 0.75% to 0.63%
Qualifications not met 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.  Rate may change after account is opened.

Auto Loans (Interest Rates effective 8-18-2017)

Automobiles Term Rate1
2017-2018 Up to 84 months Rates as low as 2.75% APR
2016 Up to 72 months Rates as low as 2.75% APR
2015 Up to 72 months Rates as low as 2.99% APR
2014 Up to 60 months Rates as low as 3.49% APR
2012-2013 Up to 60 months Rates as low as 4.19% APR
2010-2011 Up to 48 months Rates as low as 4.29% APR
2009 & older Up to 36 months Rates as low as 5.79% APR

1APR = Annual Percentage Rate. Rate based on borrower’s credit qualifications at stated term. Your actual APR may differ based on your credit history, approved loan amount, and term. Loan origination fee of $50. Rates are subject to change without notice. Example: $25,000 purchased vehicle loan with a $50 loan origination fee for 60 months equates to 2.43% APR.

Personal Loans (Interest Rates effective 11-18-2016)

Loan Type Rate2
Signature Unsecured Loan Rates as low as 7.39% APR
Signature Secured Loan Rates as low as 5.09% APR
Certificate Secured Loan 2.00% to 4.00% above the certificate rate

2APR = Annual Percentage Rate. Rate based on borrower’s credit qualifications at stated term. Your actual APR may differ based on your credit history, approved loan amount, and term. Loan amounts under $6,000 will have a minimum rate of 5.50% APR. Loan origination fee of 2% or maximum of $100. Rates are subject to change without notice. Example: $10,000 unsecured loan with a $100 fee for 60 months equates to 7.825% APR.