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| Balance | Dividend Rate | APY* |
|---|---|---|
| 0 - $20,000 | 4.98% | 5.00% |
| $20,000 | 0.39% | 5.00% to 0.61% |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
It’s so easy to qualify — 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:
And if you don’t meet these qualifications, don’t worry. Your account is still free. Plus, you’ll still earn our base dividend rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Rates verified effective 2/1/2025. Rates are subject to change.
*APY= Annual Percentage Yield
| Balance | Dividend Rate | APY* |
|---|---|---|
| 0 - $50,000 | 0.99% | 1.00% |
| $50,000+ | 0.39% | 1.00% to 0.61% |
| All balances if qualifications not met | 0.01% | 0.01% |
Qualifications
It’s so easy to qualify — 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:
And if you don’t meet these qualifications, don’t worry. Your account is still free. Plus, you’ll still earn our base dividend rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Rates verified effective 2/1/2025. Rates are subject to change.
*APY= Annual Percentage Yield
| Year | APR* as low as |
|---|---|
| 2023 and Newer | 4.99% |
| 2022-2015 | 5.49% |
| 2014 and Older | 7.99% |
*APR = Annual Percentage Rate. Rates based on creditworthiness
Rates verified effective 2/1/2025. Rates are subject to change.
| Year | APR* as low as |
|---|---|
| 2023 and Newer | 6.99% |
| 2022-2015 | 6.99% |
| 2014 and Older | 10.24% |
*APR = Annual Percentage Rate. Rates based on creditworthiness. Rates subject to change.
Rates verified effective 2/1/2025.
| Year | APR* as low as |
|---|---|
| 2023 and Newer | 6.49% |
| 2022-2015 | 6.74% |
*APR = Annual Percentage Rate. Rates based on creditworthiness. Rates subject to change.
Rates verified effective 2/1/2025.
| Year | APR* as low as |
|---|---|
| 2014 and Newer | 7.49% |
*APR = Annual Percentage Rate. Rates based on creditworthiness. Rates subject to change.
Rates verified effective 2/1/2025.
| Unsecured Fixed Loans | 36 Months | 48 Months | 60 Months |
|---|---|---|---|
| Personal and Debt Consolidation | 11.24% APY* | 12.24% APY* | 13.24% APY* |
*Annual Percentage Rate (APR)
Rates verified effective 2/1/2025. Rates are subject to change.
| Balance | Dividend Rate | APY* |
|---|---|---|
| $500 and up | 4.01% | 4.09% |
*APY = Annual Percentage Yield. Required minimum opening balance for Money Market Accounts is the minimum required to earn interest. Members will forfeit dividends if account is closed before accrued dividends are posted. Contact us for more information.
Rates verified effective 2/1/2025. Rates subject to change.
| Certificates | Minimum Balance | Dividend Rates | APY* |
|---|---|---|---|
| 6 Month | $500 | 4.40% | 4.49% |
| 9 Month | $500 | 4.50% | 4.59% |
| 12 Month | $500 | 4.11% | 4.19% |
| 18 Month | $500 | 4.11% | 4.19% |
| 24 Month | $500 | 4.11% | 4.19% |
| 36 Month | $500 | 3.75% | 3.81% |
| 48 Month | $500 | 3.75% | 3.81% |
*APY = Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates verified effective 2/1/2025. Rates are subject to change.
| Certificates | Minimum Balance | Dividend Rates | APY* |
|---|---|---|---|
| 3 Month Term | $500 | 0.20% | 0.20% |
| 6 Month Term | $500 | 0.20% | 0.20% |
| 12 Month Term | $500 | 0.30% | 0.30% |
| 18 Month Term | $500 | 0.35% | 0.35% |
| 24 Month Term | $500 | 0.45% | 0.45% |
| 30 Month Term | $500 | 0.55% | 0.55% |
| 36 Month Term | $500 | 0.55% | 0.55% |
| 39 Month Term | $500 | 0.55% | 0.55% |
| 48 Month Term | $500 | 0.65% | 0.65% |
| 60 Month Term | $500 | 0.75% | 0.75% |
*APY = Annual Percentage Yield
A penalty may be imposed for early withdrawal.
Rates verified effective 2/1/2025. Rates are subject to change.
| Term Share Certificates | Minimum Balance | Dividend Rates | APY* |
|---|---|---|---|
| 3 Month Term | $500 | 0.20% | 0.20% |
| 6 Month Term | $500 | 0.20% | 0.20% |
| 12 Month Term | $500 | 0.30% | 0.30% |
| 18 Month Term | $500 | 0.35% | 0.35% |
| 24 Month Term | $500 | 0.30% | 0.30% |
| 30 Month Term | $500 | 0.55% | 0.55% |
| 36 Month Term | $500 | 0.55% | 0.55% |
| 39 Month Term | $500 | 0.55% | 0.55% |
| 48 Month Term | $500 | 0.65% | 0.65% |
| 60 Month Term | $500 | 0.75% | 0.75% |
*APY = Annual Percentage Yield
Rates verified effective 2/1/2025. Rates are subject to change.
| Term Share Certificates | Minimum Balance | Dividend Rates | APY* |
|---|---|---|---|
| Roth | $100 | 0.30% | 0.31% |
| Traditional | $100 | 0.30% | 0.31% |
*APY = Annual Percentage Yield
Rates verified effective 2/1/2025. Rates are subject to change.
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