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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 14th, 2022. Fees may reduce earnings.

KASASA CASH     OTHER ACCOUNTS     LOANS


Kasasa Cash* Learn More

Balance Dividend Rate APY
On balances up to $10,000 3.44% 3.50%
On portion of balance over $10,000 0.50% 3.50% to 0.77%
When qualifications are not met 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 of at least $5.00 post and settle
  • Be enrolled and receive e-statements notice
  • Have at least 1 automatic payment (ACH) of at least $500.00 post and settle

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.

Other Accounts

Type Features APY Dividend Rate
Regular Savings Minimum balance $100 to pay dividends 0.05% 0.05%
Christmas Club Account Minimum balance $100 to pay dividends 0.05% 0.05%
Business Savings Minimum balance $100 to pay dividends 0.05% 0.05%
IRA Savings Minimum balance $100 to pay dividends 0.10% 0.10%
Business Checking N/A N/A 0.00%
Health Savings Account Minimum balance $100 to pay dividends N/A 0.00%
Money Market 1st tier Minimum balance $2,000 to pay dividends 1.50% 1.499%
Money Market 2nd tier Minimum balance $25,000 to pay dividends 2.00% 1.982%
Money Market 3rd tier Minimum balance $75,000 to pay dividends 2.25%

2.227%

Money Market 4th tier Minimum balance $200,000 to pay dividends 2.50% 2.472%
3 Month Share Certificate & IRA (add-on feature) Minimum balance $100 to pay dividends 2.00% 1.982%
3 Month Share Certificate & IRA (add-on) tier 2 Minimum balance $1000 to pay dividends 2.25% 2.227%
3 Month Share Certificate & IRA (add-on) tier 3 Minimum balance $100,000 to pay dividends 2.40% 2.374%
6 Month Share Certificate & IRA (add-on feature) Minimum balance $100 to pay dividends 2.50% 2.472%
6 Month Share Certificate & IRA (add-on) tier 2 Minimum balance $1000 to pay dividends 2.75% 2.720%
6 Month Share Certificate & IRA (add-on) tier 3  Minimum balance $100,000 to pay dividends 2.90% 2.862%
12 Month Share Certificate & IRA (add-on feature) Minimum balance $100 to pay dividends 2.85% 2.813%
12 Month Share Certificate & IRA (add-on) tier 2 Minimum balance $1000 to pay dividends 3.10% 3.057%
12 Month Share Certificate & IRA (add-on) tier 3 Minimum balance $100,000 to pay dividends 3.25% 3.203%
18 Month Share Certificate & IRA Minimum balance $100 to pay dividends 2.95% 2.911%
18 Month Share Certificate & IRA tier 2 Minimum balance $1000 to pay dividends 3.20% 3.154%
18 Month Share Certificate & IRA tier 3 Minimum balance $100,000 to pay dividends 3.35% 3.299%
Kids Piggy Bank CD (1 year add-on) Minimum balance $25 to pay dividends 2.90% 2.862%
Kids Piggy Bank CD (1 year add-on) tier 2 Minimum balance $1000 to pay dividends 3.15% 3.105%
Kids Piggy Bank CD (1 year add-on) tier 3 Minimum balance $100,000 to pay dividends 3.30% 3.251%
2 Year Share Certificate & IRA Minimum balance $100 to pay dividends 3.00% 2.959%
2 Year Share Certificate & IRA tier 2 Minimum balance $1000 to pay dividends 3.25% 3.203%
2 Year Share Certificate & IRA tier 3 Minimum balance $100,000 to pay dividends 3.40% 3.348%
3 Year Share Certificate & IRA Minimum balance $100 to pay dividends 2.95% 2.911%
3 Year Share Certificate & IRA tier 2 Minimum balance $1000 to pay dividends 3.20% 3.154%
3 Year Share Certificate & IRA tier 3 Minimum balance $100,000 to pay dividends 3.35% 3.299%
4 Year Share Certificate & IRA Minimum balance $100 to pay dividends 2.45% 2.423%
4 Year Share Certificate & IRA tier 2 Minimum balance $1000 to pay dividends 2.70% 2.667%
4 Year Share Certificate & IRA tier 3 Minimum balance $100,000 to pay dividends 2.85% 2.813%
5 Year Share Certificate & IRA Minimum balance $100 to pay dividends 2.75% 2.720%
5 Year Share Certificate & IRA tier 2 Minimum balance $1000 to pay dividends 3.00% 2.959%
5 Year Share Certificate & IRA tier 3 Minimum balance $100,000 to pay dividends 3.15% 3.105%

Share Certificates may have a penalty for early withdrawal.

Loans

Type Features Term & APR
Auto Loans (2017 – 2023) New or Used Auto As Low as 5.25% (60 Months)
As Low as 5.75% (72 Months)
Auto Loans (2016 and older) Used Auto As Low as 5.75% (60 Months)
Signature Loans Personal As Low as 9.00%
Boats, Off-Road, Jet Skis, ATV, Snowmobiles Loans Boats, Off-Road, Jet Skis, ATV, Snowmobile As Low as 9.00% (36 Months)
As Low as 9.00% (48 Months)
As Low as 9.00% (60 Months)
As Low as 9.50% (72 Months)
Motorcycle Loans (2017 – 2023) New or Used Motorcycle As Low as 5.75% (36 Months)
As Low as 5.75% (48 Months)
As Low as 5.75% (60 Months)
As Low as 6.25% (72 Months)
Motorcycle Loans (2016 and older) Used Motorcycle As Low as 6.25% (Up to 36 Months)
Recreation Vehicles Loans RV As low as 6.50% (60 Months)
As Low as 7.50% (84 Months)
1st Mortgages Loans Convential Loans
Multiple Terms Available
View today's rates
Home Equity Line of Credit Multiple Options Available As Low as 7.00%
2nd Mortgages Loans 2nd Mortgages As Low as 7.00%
Classic Visa Card Classic Visa As Low as 18.00%
Visa Platinum Card Visa Platinum with Rewards Prime + 9%
Current Rate is 16.00%
Visa Platinum Card Select Visa Platinum without Rewards Prime + 3.50%
Current Rate is 10.50%

Rates are subject to change without notice. Rates are based on individual credit history. All applications subject to credit qualification.