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For Your Information

APY = Annual Percentage Yield. APR =Annual Percentage Rate. Rates effective as of February 1, 2024. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Dividend Rate APY
$0 - $10,000 $0 1.985% 2.00%
$10,000+ $0 0.149% 2.00% to 0.15%
All balances if qualifications are not met $0 0.05% 0.05%

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 eStatements
  • 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 dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Kasasa Saver* Learn More

Balance Dividend Rate APY
$0 - $10,000 0.499% 0.50%
$10,000+ 0.149% 0.50 to 0.15%
All balances if qualifications are not met 0.03% 0.03%

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 that post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.

New Vehicles Learn More

Term A B C D E
1 - 36 Months 4.50% 5.00% 6.00% 7.50% 9.50%
37 - 60 Months 5.25% 5.75% 6.75% 8.25% 10.25%
61 - 72 Months 5.50% 6.00% 7.00% 8.50% 10.50%
73 - 84 Months 6.50% 7.00% 8.00% 9.50% 11.50%

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Used Vehicles Learn More

Term A B C D E
1 - 36 Months 5.50% 6.00% 7.00% 8.50% 10.50%
37 - 60 Months 5.75% 6.25% 7.25% 8.75% 10.75%
61 - 72 Months 6.00% 6.50% 7.50% 9.00% 11.00%
73 - 84 Months 6.75% 7.25% 8.25% 9.75% 11.75%

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Boat & RV Loans Learn More

Loan Type Term A B C D E
New Boat / RV 0 - 120 Months 7.75% 8.25% 8.75% 12.00% 14.00%
Used Boat / RV 0 - 120 Months 7.75% 8.25% 8.75% 12.00% 14.00%

Maximum Financing:
New – 90% purchase price up to $60,000
Used – 80% book value up to $50,000

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Other Collateral/Equipment Loans Learn More

Loan Type Term A B C D E
Other Collateral/Equipment Loans 0 - 120 Months 7.75% 8.25% 8.75% 12.00% 14.00%

Maximum Financing:

90% appraised value up to $50,000

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Home Equity Learn More

Loan Type Maximum Financing Terms Rate
Home Improvement1,3,4 Maximum
$15,000
Up to 120 Months 7.50%
Home Equity2,3,4 80% Appraised Value
Minus Mortgage Balance
Up to 240 Months As low as 6.500%
Home Equity
Line of Credit3,4
80% Appraised Value
Minus Mortgage Balance
Up to 180 Months

8.50%   (up to $150,000)
9.50%   (over $150,000)

1Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

2Rate varies based on average prime rates and other loan characteristics

3Member Loyalty Rate Discount does not apply.

4All home loan rates and offers apply to an owner-occupied, primary residence within New York State.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “A” rating, and most members will receive that interest rate. The “AAA” rating is the lowest risk — allowing us to offer these members a lower rate. The “C” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Personal Loans – Signature (Unsecured) Learn More

Term A B C D E
1 - 36 Months 7.00% 9.00% 11.00% 13.00% 15.00%
37 - 60 Months 8.00% 10.00% 12.00% 14.00% 16.00%

Maximum Financing:
$20,000

Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Credit Cards Learn More

Visa Card Rate Information

To receive rates and disclosures by mail, please contact us at(845) 339-5544 or (800) 847-4283

Member Loyalty Rate Discount does not apply

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “A” rating, and most members will receive that interest rate. The “AAA” rating is the lowest risk — allowing us to offer these members a lower rate. The “C” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Other Loans

Loan Type Maximum Financing Terms Rate
Share Secured1,3 90% of Share Balance N/A 6.50%
Share Certificate Secured1,3 90% of Certificate Balance N/A Certificate Rate +3.50%
Share Draft Line of Credit3 $3,000 Revolving 15,90% Non-Variable
Career / Occupational Student LOC3 $5,000 Revolving 5.50% Non-Variable
Fuel Assistance Line of Credit3 $5,000 Revolving 5.50% Non-Variable
Energy Star Loan1,3 $15,000 Up to 120 Months 7.50%

1Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

2Rate varies based upon average prime rate, plus other loan charachteristics.

3Member Loyalty Rate discount not applicable on this product.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “A” rating, and most members will receive that interest rate. The “AAA” rating is the lowest risk — allowing us to offer these members a lower rate. The “C” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Member Savings Learn More

Account Type Dividend Rate APY
Regular Share ($100 minimum balance) 0.020% 0.020%
Club Accounts 0.020% 0.020%
Money Market ($500 minimum balance) 0.100% 0.100%

Rates subject to change without notice.

Share Certificates Learn More

Term Minimum Balance Dividend Rate APY
3 Months $500 0.100% 0.100%
6 Months $500 0.150% 0.150%
12 Months $500 1.500% 1.510%
14 Month Promo $500 4.350% 4.266%
18 Months $500 2.000% 2.018%
30 Months $500 2.000% 2.018%
36 Months $500 2.500% 2.529%

Rates subject to change without notice.

Penalty for early withdrawal.

IRA Certificates Learn More

Term Minimum Balance Dividend Rate APY
IRA Savings $25 Minimum Balance 0.020% 0.020%
3 Months $500 0.100% 0.100%
6 Months $500 0.150% 0.150%
12 Months $500 1.500% 1.500%
18 Months $500 2.000% 2.000%
30 Months $500 2.000% 2.000%
36 Months $500 2.500% 2.500%

Rates subject to change without notice.

Penalty for early withdrawal.

Money Market Account Learn More

Average Daily Balance Dividend Rate APY
$2,500 - $99,999.99 0.100% 0.100%
$100,000 - $199,999.99 0.150% 0.150%
$200,000 - $299,999.99 0.200% 0.200%
$300,000 - $399,999.99 0.250% 0.250%
$400,000+ 0.300% 0.300%

Rates subject to change without notice.