APY = Annual Percentage Yield. Rates and APYs accurate as of January 26th, 2022.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Deposit Rates

Kasasa Cash®* Learn More

Balance

Minimum Opening Deposit

Interest Rate

APY

0 to $20,000 $50 1.14% 1.15%
$20,000+ $50 0.20% 1.15% to 0.34%*
All balances if qualifications not met $50 0.05% 0.05%
*APY calculations are based on an assumed balance of $120,000.00 in your Kasasa Cash account and an assumed statement cycle of 31 days.

Qualifications to Earn Rewards

Just do a few simple things you're probably already doing. 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 12 debit card purchases post and settle
  • At least 1 direct deposit, ACH credit, or ACH payment transaction post and settle
  • Be enrolled in and agree to receive eStatements

If you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate and you can get right back to earning your full rewards the very next cycle that you qualify.

Image Plus Checking Learn More

Balance^ Interest Rate APY
$2,000 - $4,999.99 0.05% 0.05%
$5,000 - $9,999.99 0.07% 0.07%
$10,000+ 0.10% 0.10%

Annual percentage yield assumes the semi-annual compounding of interest at the same RATE for one year. Rate subject to change. These rates do not apply to institutional funds. Fees may reduce earnings on account. Other restrictions may apply. Member FDIC.

^ Daily Balance (the amount of principal in the account each day)

Statement Savings Learn More

Balance Interest Rate APY
All balances 0.08% 0.08%

Money Market Learn More

Balance^ Interest Rate APY
$1,000 - $4,999.99 0.05% 0.05%
$5,000 - $24,999.99 0.08% 0.08%
$25,000+ 0.10% 0.10%

^ Daily Balance (the amount of principal in the account each day)

Premium Money Market Learn More

Balance^ Interest Rate APY
$25,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.15% 0.15%
$100,000 - $249,999.99 0.20% 0.20%
$250,000 - $499,999.99 0.25% 0.25%
$500,000+ 0.30% 0.30%

^ Daily Balance (the amount of principal in the account each day)

Health Savings Account (HSA) Learn More

Balance^ Interest Rate APY
$0 - $999.99 0.05% 0.05%
$1,000 - $4,999.99 0.05% 0.05%
$5,000 - $9,999.99 0.05% 0.05%
$10,000+ 0.10% 0.10%

^ Daily Balance (the amount of principal in the account each day)

Individual Retirement Accounts (IRAs) Learn More

Account Type Balance Interest Rate APY
IRA Educational $0 - $1,000 0.05% 0.05%
IRA Educational $1,000+ 0.10% 0.10%
IRA Roth $0 - $1,000 0.05% 0.05%
IRA Roth $1,000+ 0.10% 0.10%
IRA Traditional $0 - $1,000 0.05% 0.05%
IRA Traditional $1,000+ 0.10% 0.10%

Certificates of Deposit (CDs)

Learn More

Under $25,000 (Geneseo/Andover)

Rates effective 01/26/22 - 02/01/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.05% 0.05%
182 Days $1,000 0.10% 0.10%
12 Months $1,000 0.20% 0.20%
18 Months $1,000 0.30% 0.30%
30 Months $1,000 0.35% 0.35%
60 Months $1,000 0.65% 0.65%
13 Month Renewal Rate $1,000 0.30% 0.30%

Penalty for early withdrawal

Over $25,000 (Geneseo/Andover)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.10% 0.10%
182 Days  $25,000 0.20% 0.20%
12 Months  $25,000 0.30% 0.30%
18 Months  $25,000 0.35% 0.35%
30 Months  $25,000 0.45% 0.45%
60 Months  $25,000 0.75% 0.75%
13 Month Renewal Rate  $25,000 0.30% 0.30%

Penalty for early withdrawal

Under $25,000 (Fulton)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.05% 0.05%
182 Days $1,000 0.10% 0.10%
12 Months $1,000 0.20% 0.20%
18 Months $1,000 0.30% 0.30%
30 Months $1,000 0.35% 0.35%
60 Months $1,000 0.65% 0.65%
13 Month Renewal Rate $1,000 0.30% 0.30%

Penalty for early withdrawal

Over $25,000 (Fulton)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.10% 0.10%
182 Days $25,000 0.20% 0.20%
12 Months $25,000 0.30% 0.30%
18 Months $25,000 0.35% 0.35%
30 Months $25,000 0.45% 0.45%
60 Months $25,000 0.75% 0.75%
13 Month Renewal Rate $$25,000 0.30% 0.30%

Penalty for early withdrawal.

Under $25,000 (Rochelle/Ashton/Oregon)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.05% 0.05%
182 Days $1,000 0.15% 0.15%
12 Months $1,000 0.20% 0.20%
18 Months $1,000 0.30% 0.30%
30 Months $1,000 0.35% 0.35%
60 Months $1,000 0.65% 0.65%

Penalty for early withdrawal

Over $25,000 (Rochelle/Ashton/Oregon)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.10% 0.10%
182 Days $25,000 0.20% 0.20%
12 Months $25,000 0.30% 0.30%
18 Months $25,000 0.35% 0.35%
30 Months $25,000 0.40% 0.40%
60 Months $25,000 0.75% 0.75%

Penalty for early withdrawal

Under $25,000 (Princeton/Peru)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.20% 0.20%
12 Months $1,000 0.35% 0.35%
18 Months $1,000 0.40% 0.40%
30 Months $1,000 0.50% 0.50%
60 Months $1,000 1.00% 1.00%
13 Month Renewal Rate $1,000 0.35% 0.35%

Penalty for early withdrawal

Over $25,000 (Princeton/Peru)

Rates effective 01/26/22-02/01/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.15% 0.15%
182 Days $25,000 0.20% 0.20%
12 Months $25,000 0.35% 0.35%
18 Months $25,000 0.40% 0.40%
30 Months $25,000 0.50% 0.50%
60 Months $25,000 1.00% 1.00%
13 Month Renewal Rate $25,000 0.35% 0.35%

Penalty for early withdrawal

Loan Rates

Fixed Rate Mortgages Learn More

Term Rate Effective APR1 Payment (Monthly)2 / $100,000
10 year 3.375 3.378 120 monthly payments of $983.01
15 year 3.125 3.127 180 monthly payments of $696.61
20 year 3.625 3.627 240 monthly payments of $586.40
30 year 3.625 3.626 360 monthly payments of $456.05

NOTE: Refinance rates may be higher due to adjustments assessed by Fannie Mae. Please contact your loan officer for a rate quote for your refinance

1 Annual Percentage Rate APR based on loan amt of $100,000 w/ 20% down purchase

2 Payment doesn't include taxes and insurance

NOTE: These rates are without adjustments for loan to value, credit scores below 740, or subordinate financing.

All rates subject to change without notice.

Balloon Mortgages Learn More

Description Initial Rate Effective APR1 Initial Payment (Monthly)2/ $100,000
5 Year Balloon 3.950% 4.029% 60 monthly payments of $474.54 with a final balloon payment of $90,671.59

1 Annual Percentage Rate APR based on loan amt of $100,000 w/ 20% down purchase

2 Payment doesn't include taxes and insurance

All rates subject to change without notice.

Vehicle Loans Learn More

Vehicle Type Term Rate Effective APR3
New 2022, 2021 Max 72 months 4.750 4.885
New 2022, 2021 Max 60 months 4.500 4.659
Used 2021, 2020, 2019 Max 60 months 5.000 5.161
Used 2018, 2017, 2016 Max 48 months 5.750 5.950
Used 2015, older Max 48 months 6.250 6.451

3 Annual Percentage Rate APR based on 20,000 for maximum term

Note: Downpayment required

All rates subject to change without notice.

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