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APY = Annual Percentage Yield. 

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Rates effective as of 6/8/19.

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $100 2.96% 3.00%
$15,000+ $100 0.25% 3.00% to 0.61%
All balances if qualifications not met $100 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 15 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $100 1.00% 1.00%
$20,000+ $100 0.25% 1.00% to 0.37%
All balances if qualifications not met $100 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 15 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking 

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Share Certificates Learn More

Terms Dividend Rates APY*
3 Month 0.90% 0.90%
6 Month 1.30% 1.31%
1 Year 1.90% 1.92%
18 Month 2.00% 2.02%
2 Year 2.10% 2.12%
3 Year 2.20% 2.22%
4 Year 2.40% 2.43%
5 Year 2.45% 2.48%

*Annual Percentage Yield. Rates are subject to change without notice. Dividends may be paid quarterly or at maturity; 3 Month and 6 Month certificates are based on simple dividend calculation, all other certificates are compounded quarterly. A $500 minimum deposit is required on all certificates. Early withdrawal penalties will or may apply, if applicable. Please contact the Credit Union for information on applicable fees and terms.

Share Savings/Checking/Money Market Rates

Description Account Type Rate APY*
SmartChoice Money Market  Below $2,500 0.25%

0.25%

$2,500 - $10,000 0.55% 0.55%
Over $10,000 0.65% 0.65%
Performance Money Market  Below $10,000 0.25% 0.25%
$10,000- $40,000 0.70% 0.70%
Over $40,000 0.85% 0.85%
IRA Over $100 0.40% 0.40% 
Share Savings Over $100 0.40% 0.40% 
Business Savings Over $100 0.40% 0.40% 
Checking Over $2500 0.40% 0.40%
Business Checking Over $2500  0.40% 0.40%
Clubs Over $100 0.40% 0.40%
Health Savings Accounts  $100 - $10,000  0.45% 0.45%
Over $10,000 0.60%  0.60% 

*Annual Percentage Yield. Rates are subject to change without notice. Please contact the Credit Union for information on applicable fees and terms.

For additional information regarding the above accounts, please refer to the Fee Schedule.

Auto or Light Truck Learn More

Model Year Term APR* as low as
New  up to 84 mo 4.75%
2019, 2018, 2017 up to 75 mo 5.50%
2016, 2015 up to 66 mo 5.50%
2014, 2013 up to 60 mo 5.50%
2012, 2011 up to 48 mo 5.50%
2010, 2009 up to 36 mo 5.50%

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. Down payment requirements are subject to collateral age and value. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact us for additional rates and terms. 

Payment Example: A $35,000 loan with no money down at 3.85% for 72 months would require 71 monthly payments of $545.50 and a final payment of $522.85, finance charge of $4,253.35, for total payments of $39,253.35. The amount financed is $35,000.00, the APR is 3.85%.

Recreational Vehicles Learn More

Account Type Term APR* as low as
New Motorcycles up to 60 mo 6.50%
Used Motorcycles up to 48 mo 6.95%
New Boat, Mtr, Trl up to 60 mo 5.25%
Used Boat, Mtr, Trl up to 48 mo 6.00%
New Motor Home RV/Trravel Trl (New/Used) up to 120 mo 5.25%
Used Motor Home RV/Trravel Trl (New/Used) up to 108 mo 6.00%
New ATV/Jet Ski/other up to 60 mo 6.50%
Used ATV/Jet Ski/other up to 48 mo 6.95%

*Rates quoted are for well-qualified buyers. Your actual rate and term will be determined by your credit worthiness and ability to repay. Down payment requirements are subject to collateral age and value. All loans subject to credit approval. Rates are subject to change without notice at any time. Contact us for additional rates and terms.

Payment Example: A $15,000 loan with no money down at 5.50% for 48 months would require 47 monthly payments of $349.06 and a final payment of $338.20, finance charge of $1,744.02, for total payments of $16,744.02. The amount financed is $15,000.00, the APR is 5.50%.

Miscellaneous Loans Learn More

Account Type Max. Term APR
Share Secured 36 mo (120 mo amort) 3.50%
Certificate Secured Certificate Maturity Cert Rate + 2.00%

Credit Cards Learn More

Credit Cards Visa Gold Visa Platinum
Annual Percentage Rate 12.99% 10.75%*
Cash Advance APRs 12.99% 10.75%* 
Balance Transfer APRs 12.99% 10.75%* 
Line of Credit Up to $10,000 Up to $15,000 
Method of Computing the Balance for Purchases Average Daily Balance Including New Purchases Average Daily Balance Including New Purchases
Annual Fee No No
Minimum Finance Charge No No
Cash Advance Fee No No
Grace Period For Purchase 25 Days 25 Days
Returned Payment Fee Up to $25.00 Up to $25.00
Late Payment Fee Up to $15.00  Up to $15.00 
Rate Increase for Balance Transfers or Cash Advances No No

 *This APR will vary with the market based on the Prime Rate.  Prime Rate is based on the Wall Street Journal Prime Rate + 5.25%.  Rates, terms and conditions subject to change without notice.