Rates 2018-09-18T11:49:29+00:00

RATES

Rates effective as of August 2018

APY = Annual Percentage Yield. Rates may change after the account is opened. For all accounts, the Dividend Rate and APY may change at any time as determined by the Credit Unions Board of Directors.

Balance Rate APY
$1 – $10,000 2.75% 2.75%
$10,000+ 0.51% 2.75% – 0.71%
If qualifications not met 0.05% 0.05%

Qualifications
Do the following each monthly qualification cycle on your Kasasa Cash account:

  • Have at least 12 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice
Balance Rate APY
$1 – $10,000 1.00% 1.00%
$10,000+ 0.51% 1.25% – 0.58%
If qualifications not met 0.05% 0.05%

Qualifications
Do the following each monthly qualification cycle on your Kasasa Cash account:

  • Have at least 12 debit card purchases post and settle
  • Have at least one automatic payment (ACH) or direct deposit post and settle
  • Be enrolled and receive eStatement notice

Savings Accounts

Account Balance Required to Earn Dividends Rate APY
Share Savings $25 0.20% 0.20%
Money Market $0 – $2499.99 0.0% 0.0%
$2500 – $49,999.99 0.20% 0.20%
$50,000 – $99,999.99 0.30% 0.30%
$100,000+ 0.40% 0.40%
Christmas Club $5 0.35% 0.35%
Vacation Club $5 0.30% 0.30%
Term Minimum Opening Balance Balance Required to Earn Rate APY
90 Day $1000 $1000 0.25% 0.25%
6 Months $500 $500 0.35% 0.35%
12 Months $500 $500 0.95% 0.95%
24 Months $500 $500 1.10% 1.11%
36 Months $500 $500 1.30% 1.31%
Bounce Certificate $500 $500 1.35% 1.36%
12 Month Expandable $100 $100 0.85% 0.85%
24 Month Expandable $100 $100 1.00% 1.00%
36 Month Expandable $100 $100 1.20% 1.21%
Term Minimum Opening Balance Balance Required to Earn Dividends Rate APY
Savings $250 $250 0.25% 0.25%
90 Day $1000 $1000 N/A N/A
6 Months $500 $500 0.45% 0.45%
12 Months $500 $500 1.05% 1.06%
24 Months $500 $500 1.20% 1.21%
36 Months $500 $500 1.40% 1.41%
Bounce Certificate $500 $500 1.45% 1.46%

Loans

Loan Type APR Terms & Conditions
Personal Loans2
Summer/Vacation Loans – As low as 5.99% Annual Percentage Rate up to $5,000 – Expires August 31st, 2018. (Term: Up to 24 Mos.) *Amount dependent on different variables.
As low as 5.99% Maximum loan amount of $5,000.00 up to 24 months.
Share Pledge & CD Pledge Loans3 Minimum of 4.5% 2.5% above rate earned on share/cd with a minimum rate of 4.5%
Collateral Loans (auto, boats, motorcycles, campers, etc.)4 2.75% – 18.25% Purchase & Refinances

Terms based on year models: New or Used

1 A penalty may be imposed for early withdrawal

2 APR refers to Annual Percentage Rates. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on loan amount borrowed or credit standing of the applicant. Maximum eligibility may vary based on prior credit performance and income level. Membership required.

3 APR refers to Annual Percentage Rate. Rates, terms and conditions are subject to change without notice. Maximum term and/or percentage to be financed may vary based on amount borrowed or collateral of the applicant. Membership required.

4 APR refers to Annual Percentage Rate. Applies to new and used collateralized loans. Rates, terms and conditions are subject to change without notice. Rates and terms based on prior credit performance, age of collateral and additional credit union services chosen, and/or percentage of down payment. Dealer discounts and manufacturer’s rebates are not applied toward the down payment requirements. Members who do not qualify for the special rate offer may qualify for regular rates and terms. Membership required.

REPAYMENT EXAMPLE

The rates below are an example only. Fixed interest rates for a Personal Loan may range from 8.85% (a 8.85% APR) to 20.050% (a 20.050% APR), all depending on you and/or your joint signer’s or cosigner’s credit histories, the repayment option selected, the repayment term selected and the loan amount.

48 monthly payments of $24.82 per $1,000 borrowed with an 8.85% APR (lowest rate) or 48 monthly payments of $30.48 per $1,000 borrowed with a 20.050% APR (highest rate).

^ Documentation fees may apply on some loans.

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