Rates

APY = Annual Percentage Yield.

Rates effective as of March 20, 2017.

Rates may change after accounts are opened. Fees may reduce earnings.

Deposit Accounts

Kasasa Cash*

BalanceDividend RateAPY
Balances up to $25,0001.982%2.00%
Balances over $25,0000.25%0.60% - 2.00%
All balances if qualifications aren't met0.05%0.05%
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It's so easy to qualify; 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 and log into online banking
  • Be enrolled and receive eStatement notice

Kasasa Saver*

BalanceDividend RateAPY
Balances up to $25,0000.499%0.50%
Balances over $25,0000.25%0.30% - 0.50%
All balances if qualifications aren't met0.05%0.05%
Learn More

To earn rewards, simply do the following activities and transactions in your Kasasa Cash® or Kasasa Cash Back® account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Be enrolled and receive eStatement notice

Primary and Secondary Savings Accounts

AmountAPY
$25,000 or more0.10%
$2,500 to $24,9990.10%
$500 to $2,4990.10%
$0 to $4990.00%
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Money Market Savings

AmountAPY
$100,000 or more0.40%
$50,000 to $99,9990.35%
$25,000 to $49,9990.20%
$2,500 to $24,9990.15%
$0.00 to $2,4990.00%
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Wincentive Savings Account

AmountAPY
$5 or more0.05%
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Share and IRA CD Specials

ProductAmountAPY1
N/AN/AN/A
N/AN/AN/A
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Share Certificates

ProductAmountAPY1
60 Month Certificate$10,000 or more2.06%
$1,000 to $9,9992.01%
48 Month Certificate$10,000 or more1.71%
$1,000 to $9,9991.66%
36 Month Certificate$10,000 or more1.15%
$1,000 to $9,9991.10%
24 Month Certificate$10,000 or more0.80%
$1,000 to $9,9990.75%
12 Month Certificate$10,000 or more0.65%
$1,000 to $9,9990.60%
6 Month Certificate$10,000 or more0.50%
$1,000 to $9,9990.45%
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1. A penalty may be imposed for early withdrawal of share certificates. See your account disclosure.

Traditional and Roth IRAs

IRA Money Market Account

AmountAPY
$25,000 or more0.45%
$5,000 to $24,9990.25%
$0.00 to $4,9990.05%
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IRA Certificates

ProductAmountAPY1
60 Month Certificate$10,000 or more2.06%
$1,000 to $9,9992.01%
48 Month Certificate$10,000 or more1.71%
$1,000 to $9,9991.66%
36 Month Certificate$10,000 or more1.15%
$1,000 to $9,9991.10%
24 Month Certificate$10,000 or more0.80%
$1,000 to $9,9990.75%
12 Month Certificate$10,000 or more0.65%
$1,000 to $9,9990.60%
6 Month Certificate$10,000 or more0.50%
$1,000 to $9,9990.45%
Learn More

1. A penalty may be imposed for early withdrawal of certificates of deposit. See your account disclosure.

Health Savings Accounts (HSA)

HSA Deposit Accounts

ProductAmountAPY
HSA Checking Account$50,000 or more0.50%
$25,000 to $49,9990.10%
$5,000 to $24,9990.05%
$0.00 to $4,9990.00%
HSA Money Market Account$25,000 or more0.45%
$5,000 to $24,9990.25%
$0.00 to $4,9990.05%
Learn More

HSA Certificates

ProductAmountAPY1
60 Month Certificate$10,000 or more2.06%
$1,000 to $9,9992.01%
48 Month Certificate$10,000 or more1.71%
$1,000 to $9,9991.61%
36 Month Certificate$10,000 or more1.15%
$1,000 to $9,9991.10%
24 Month Certificate$10,000 or more0.80%
$1,000 to $9,9990.75%
12 Month Certificate$10,000 or more0.65%
$1,000 to $9,9990.60%
6 Month Certificate$10,000 or more0.50%
$1,000 to $9,9990.45%
Learn More

1. A penalty may be imposed for early withdrawal of certificates of deposit. See your account disclosure.

Loans

Auto, Recreational & Sporting Vehicles

Auto, Motorcycle & Scooter

ProductAPRTerm
New Auto/Motorcycle/Scooter 2012 & Newer Starting at 1.99%36 Months1
Used Auto/Motorcycle/Scooter 2011 & OlderStarting at 1.99%24 Months2
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on loan to value, the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply.

1. The monthly payment amount per $1,000 borrowed at 1.99% APR for 36 months is $28.64

2. The monthly payment amount per $1,000 borrowed at 1.99% APR for 24 months is $42.45

RV, Camper & Boat

ProductAPRTerm
New RV/Camper/Boat 2015 & NewerStarting at 3.99%60 Months1
Used RV/Camper/Boat 2014 & OlderStarting at 4.99%60 Months2
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply.

1. The monthly payment amount per $1,000 borrowed at 3.99% APR for 60 months is $18.42

2. The monthly payment amount per $1,000 borrowed at 4.99% APR for 60 months is $18.87

ATV, Jet Ski & Snowmobile

ProductAPRTerm
All Years Starting at 3.99%36 Months1
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply.

1. The monthly payment amount per $1,000 borrowed at 3.99% APR for 36 months is $29.52

Line of Credit

ProductAPR TERM
Line of Credit - RevolvingStarting at 9.90%N/A
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply. Minimum monthly payment of Revolving Lines of Credit is 5% or $35 which ever is greater.

Share Secured, Signature & Debt Consolidation Loans

ProductAPR TERM
Share Secured Loan3% above rate pledged account1 yr balloon or CD term1
Signature LoanStarting at 7.90%60 Months2
Debt ConsolidationStarting at 7.90%60 Months3
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply. Minimum monthly payment for a Signature loan is $35 and for a Debt Consolidation Loan is $100.

1. The monthly payment amount per $1,000 borrowed at 3.05% APR for 12 months is $84.73 (Rates may vary depending on Savings/CD interest rates/terms)

2. The monthly payment amount per $1,000 borrowed at 9.90% APR for 48 months is $25.32

3. The monthly payment amount per $1,000 borrowed at 9.90 % APR for 24 months is $46.11

Home Loans

First Mortgage

AmountAPRTerm
Up to 75% Loan to Value2.99% 5 year1
3.49%10 year2
3.99%15 year3
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply. Longer Terms are Available. Prepayment penalty of $500 for loan's up to $99,999.99, $1,000 for loan's from $100,000 and up if paid off within first three years.

1. The monthly payment amount per $1,000 borrowed at 2.99% APR for 5 years is $17.97

2. The monthly payment amount per $1,000 borrowed at 3.49% APR for 10 years is $9.89

3. The monthly payment amount per $1,000 borrowed at 3.99% APR for 15 years is $7.40


Home Equity Loans

AmountAPRTerm
Up to 100% Loan to Value3.99% 7 year1
4.49%10 year2
4.99%15 year3
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APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Other conditions may apply. Longer Terms are Available. Prepayment penalty of $500 for loan's up to $99,999.99, $1,000 for loan's from $100,000 and up if paid off within first three years.

1. The monthly payment amount per $1,000 borrowed at 3.99% APR for 7 years is $13.67

2. The monthly payment amount per $1,000 borrowed at 4.49% APR for 10 years is $10.37

3. The monthly payment amount per $1,000 borrowed at 4.99% APR for 15 years is $7.91

Home Equity Line of Credit- Principal & Interest Payments

AmountAPRTerm
Up to 80% Loan to Value- Variable RatePrime + 0.00%5 yr draw
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Rate based on prime as stated by the Wall Street Journal. Rates may vary. Maximum change of 2% per year. The floor rate is 3.99%, with a ceiling of 13.75%. Minimum monthly payments of $100.00 are required. Prepayment penalty of $500 for LOC's up to $99,999.99, $1,000 for LOC's from $100,000 and up if paid off within first three years. Rate and Margin are based on creditworthiness.

Home Improvement Loans- Insured

AmountAPRTerm
Unsecured: No Loan to Value Requirement for $500 - $12,5007.49% 84 Months1
Secured: Up to 133% Loan to Value7.49% 84 Months2

APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Minimum payment of $49 a month. Other conditions may apply. Longer Terms are Available.

1. The monthly payment amount per $1,000 borrowed at 7.49% APR for 84 months is $15.34

2. The monthly payment amount per $1,000 borrowed at 7.49% APR for 84 months is $15.34

Mobile Home

ProductAPR TERM
Mobile Home 1997 & Newer 6.99%84 Months1

APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Must have Landlord Guarantee and a 20% down payment is required. For new models an additional 5% down is required.

1. The monthly payment amount per $1,000 borrowed at 6.99% APR for 84 months is $15.09

Land & Cabin Loan

AmountAPR TERM
Up to 90% Loan to Value 7.49% 180 Months1

APR is the Annual Percentage Rate. Rates quoted are the LOWEST rates available and MAY VARY based on the age of collateral, term of loan and/or applicant's credit history. Up to a 20 year Amortization. Minimum payment is $100.00. Other conditions may apply

1. The monthly payment amount per $1,000 borrowed at 7.49% APR for 180 months is $9.27

VISA Credit Card

ProductAPR TERM
Platinum Credit Card9.90%N/A
12.90%N/A
17.90%N/A
Learn More

APR is the Annual Percentage Rate. Minimum payment is the greater of $25 or 3% of the balance plus any late or over the limit fees (subject to change).

APR is Annual Percentage Rate. Your rate and term will be determined by individual creditworthiness including income, debt-to-income ratio, employment, and credit history. Verification of income may be required. Must be 18 years of age to qualify for loan. Rates are subject to change. Loans are subject to credit approval. Other restrictions may apply. Contact the Credit Union for details. Various types of mortgage loan programs and terms are available.


Credit Card Agreement and Disclosure – 9.90%

Credit Card Agreement and Disclosure – 12.90%

Credit Card Agreement and Disclosure – 17.90%