For Your Information

Rates

APY = Annual Percentage Yield. Rates effective as of November 1, 2017. Fees may reduce earnings.

Kasasa Cash*

Balance Minimum Required Opening Deposit Dividend Rate APY
$0 - $10,000 $0 1.985% 2.00%
$10,000+ $0 0.015% 2.00% to 0.32%
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*

Balance Dividend Rate APY
$0 - $10,000 0.499% 0.50%
$10,000+ 0.149% 0.18%
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.

Auto Loan

Loan TypeMaximum FinancingTermsAAAAA"A"BC
New Vehicle1,2
&
Used Vehicle1,2
100% purchase price
NOTE
Used - up to 60 months
New - up to 72 months
0-36 months 2.75% 3.00% 3.50% 5.25% 7.25%
37-60 months 3.25% 3.50% 4.00% 5.50% 7.50%
61-72 months
See Note
3.75% 4.00% 4.50% 6.00% 8.00%
73-84 months
New Autos Only
Min. $30,000
4.50% 4.75% 5.00% 6.75% 8.75%
New Boat/RV1 90% purchase price up to $60,000 0-120 7.75% 8.25% 8.75% 12.00% 14.00%
Used Boat/RV1 80% book value up to $50,000 0-120 7.75% 8.25% 8.75% 12.00% 14.00%

All loan rates are Annual Percentage Rate (A.P.R.)

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

2 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 “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.

Home Mortgage Loan

Home Equity

Loan TypeMaximum FinancingTermsRate
Home Equity 80% Appraised Value
Minus Mortgage Balance
1-60 Months
61-120 Months
121-180 Months
181-240 Months
Could be as low as 4.50% - Rate varies based on average prime rates and other loan characteristics
Home Equity
Line of Credit
80% Appraised Value
Minus Mortgage Balance
Up to 180 Months Prime + 0% (up to $150.000)
Prime + 1% (over $150.000)
Home Improvement
1
Maximum
$15,000
Up to 120 Months 7.50%

All loan rates are Annual Percentage Rate (A.P.R.)

1 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 “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

Loan TypeMaximum FinancingTermsAAAAA"A"BC
Signature (Unsecured)1 $20,000 0—12
13—24
15—36
37—48
49—60
10.00%
10.25%
10.50%
10.75%
11.00%
10.75%
11.00%
11.25%
11.50%
11.75%
11.75%
12.00%
12.25%
12.50%
12.75%
13.75%
14.00%
14.25%
14.50%
14.75%
15.75%
16.00%
16.25%
16.50%
16.50%

All loan rates are Annual Percentage Rate (A.P.R.)


1 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 “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.

Credit Cards

Visa Card Rate Information

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

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 TypeMaximum FinancingTermsRate
Holiday Loan Special1 $5,000 2 Year 6.95%
Share Secured1 90% of Share Balance N/A 6.50%
Share Certificate Secured1 90% of Certificate Balance N/A Certificate Rate +3.5%
Career / Occupational Student LOC $5,000 Revolving 5.50% Variable
Share Draft Line of Credit2 $3,000 Revolving 15.90% Variable
Fuel Assistance Line of Credit2 $5,000 Revolving 5.50% Variable
Energy Star Loan $25,000 Up to 120 months 7.25%
Home Improvement1 Maximum
$15,000
Up to 120 Months 7.50%

All loan rates are Annual Percentage Rate (A.P.R.)


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

2 The variable APR is subject to increase.

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

Account TypeDividend RateAnnual Percentage Yield
Regular Share ($100 minimum balance) .100% .100%
IRA Savings ($25 minimum balance) .150% .150%
Money Market ($500 minimum balance) .150% .150%

Rates subject to change without notice.

Penalty for early withdrawal on Share and IRA Certificates.

Share Certificates

$500 Minimum BalanceDividend RateAnnual Percentage Yield
3 Months .200% .20%
6 Months .250% .25%
12 Months .449% .45%
18 Months .549% .55%
30 Months .747% .75%
36 Months .995% 1.00%

Rates subject to change without notice.

Penalty for early withdrawal on Share and IRA Certificates.

IRA Certificates

$500 Minimum BalanceDividend RateAnnual Percentage Yield
3 Months .300% .30%
6 Months .349% .35%
12 Months .548% .55%
18 Months .648% .65%
30 Months .847% .85%
36 Months 1.094% 1.10%

Rates subject to change without notice.

Penalty for early withdrawal on Share and IRA Certificates.

Money Manager Money Market Account

Average Daily BalanceDividend RateAnnual Percentage Yield
$2,500 - $99,999.99 .150% .15%
$100,000 - $199,999.99 .200% .20%
$200,000 - $299,999.99 .250% .25%
$300,000 - $399,999.99 .300% .30%
$400,000 and above .349% .35%

Rates subject to change without notice.

Penalty for early withdrawal on Share and IRA Certificates.