Rates

Effective 06/20/2018. Rates Subject to Change. Penalty for early withdrawal.

Checking Rates

Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $0 2.0% 2.00%
$10,000+
depending on balance in account*
$0 0.20% 2.00% to 0.36%
All balances if qualifications not met $0 0.01% 0.01%

To earn your rewards, simply do the following activities and transactions in your free Kasasa Cash account each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Enroll and receive eStatement notice

Loan Rates

Secured & Unsecured Loan Rates

Loan Type Terms APR Monthly Payment per $1000 borrowed - Maximum Term
New & Used Autos and Motorcycles1 Up to 84 Months3 2.99% to 17.95%2 $13.21 - $20.99
Unsecured Up to 60 Months 3 9.95% to 17.95%2 $21.22-$25.37
New & Used Recreation Vehicle Loans 4

ATV's, Snowmobiles, Boats, Campers, RVs, Commercial Equipment

Up to 180 Months3 3.70% to 17.95%2 $7.25-$16.08

1 Up to 125% financing on new autos for qualified member's and up to 125% financing of the NADA average retail value on used autos for qualified borrowers.

2 Rates are determined based on the creditworthiness of the applicant.

3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.

4 Up to 100% financing on new for qualified member's and up to 100% financing of the NADA average retail value on used for qualified borrowers.

Unsecured Loan

Loan Type Minimum Payment APR* As Low As
Line of Credit 3% or $50 minimum, whichever is higher 10.45%

*APR = Annual Percentage Rate

Payment Example: $2000 at 10.45% for 24 months equals $92.74.

Rates based on creditworthiness. Rates range from 10.45% APR to 17.95%

Repayment terms of 3% of outstanding balance or $50, whichever is greater.

Savings Rates

Share Certificates

Term Tier Minimum to Open & Earn Dividends Rate APY Early Withdrawal Penalty
3 Month $1,000.00 to $9,999.99 $1,000.00 0.750 0.752 90 Days Dividends
3 Month $10,000.00 to $24,999.99 $1,000.00 0.750 0.752 90 Days Dividends
3 Month $25,000.00 to $49,999.99 $1,000.00 0.750 0.752 90 Days Dividends
3 Month $50,000.00 to $99,999.99 $1,000.00 0.800 0.802 90 Days Dividends
3 Month $100,000.00 and up $1,000.00 0.850 0.853 90 Days Dividends
6 Month $1,000.00 to $9,999.99 $1,000.00 0.800 0.802 90 Days Dividends
6 Month $10,000.00 to $24,999.99 $1,000.00 0.800 0.802 90 Days Dividends
6 Month $25,000.00 to $49,999.99 $1,000.00 0.800 0.802 90 Days Dividends
6 Month $50,000.00 to $99,999.99 $1,000.00 0.850 0.852 90 Days Dividends
6 Month $100,000.00 and up $1,000.00 0.900 0.902 90 Days Dividends
12 Month $1,000.00 to $9,999.99 $1,000.00 2.100 2.117 90 Days Dividends
12 Month $10,000.00 to $24,999.99 $1,000.00 2.100 2.117 90 Days Dividends
12 Month $25,000.00 to $49,999.99 $1,000.00 2.100 2.117 90 Days Dividends
12 Month $50,000.00 to $99,999.99 $1,000.00 2.200 2.219 90 Days Dividends
12 Month $100,000.00 and up $1,000.00 2.300 2.320 90 Days Dividends
24 Month $1,000.00 to $9,999.99 $1,000.00 2.350 2.371 90 Days Dividends
24 Month $10,000.00 to $24,999.99 $1,000.00 2.350 2.371 90 Days Dividends
24 Month $25,000.00 to $49,999.99 $1,000.00 2.350 2.371 90 Days Dividends
24 Month $50,000.00 to $99,999.99 $1,000.00 2.450 2.473 90 Days Dividends
24 Month $100,000.00 and up $1,000.00 2.550 2.575 90 Days Dividends
36 Month $1,000.00 to $9,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month $10,000.00 to $24,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month $25,000.00 to $49,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month $50,000.00 to $99,999.99 $1,000.00 2.750 2.779 180 Days Dividends
36 Month $100,000.00 and up $1,000.00 2.850 2.881 180 Days Dividends
60 Month $1,000.00 to $9,999.99 $1,000.00 2.800 2.830 180 Days Dividends
60 Month $10,000.00 to $24,999.99 $1,000.00 2.800 2.830 180 Days Dividends
60 Month $25,000.00 to $49,999.99 $1,000.00 2.800 2.830 180 Days Dividends
60 Month $50,000.00 to $99,999.99 $1,000.00 3.000 3.034 180 Days Dividends
60 Month $100,000.00 and up $1,000.00 3.100 3.136 180 Days Dividends

Effective 06/20/2018. Rates Subject to Change. Penalty for early withdrawal.

IRA Certificates

Term Tier Minimum to Open & Earn Dividends Rate APY Early Withdrawal Penalty
24 Month Traditional IRA Certificate $1,000.00 to $9,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Traditional IRA Certificate $10,000.00 to $24,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Traditional IRA Certificate $25,000.00 to $49,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Traditional IRA Certificate $50,000.00 to $99,999.99 $1,000.00 2.450 2.473 180 Days Dividends
24 Month Traditional IRA Certificate $100,000.00 and up $1,000.00 2.550 2.575 180 Days Dividends
36 Month Traditional IRA Certificate $1,000.00 to $9,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Traditional IRA Certificate $10,000.00 to $24,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Traditional IRA Certificate $25,000.00 to $49,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Traditional IRA Certificate $50,000.00 to $99,999.99 $1,000.00 2.750 2.779 180 Days Dividends
36 Month Traditional IRA Certificate $100,000.00 and up $1,000.00 2.850 2.881 180 Days Dividends
24 Month Roth IRA Certificate $1,000.00 to $9,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Roth IRA Certificate $10,000.00 to $24,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Roth IRA Certificate $25,000.00 to $49,999.99 $1,000.00 2.350 2.371 180 Days Dividends
24 Month Roth IRA Certificate $50,000.00 to $99,999.99 $1,000.00 2.450 2.473 180 Days Dividends
24 Month Roth IRA Certificate $100,000.00 and up $1,000.00 2.550 2.575 180 Days Dividends
36 Month Roth IRA Certificate $1,000.00 to $9,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Roth IRA Certificate $10,000.00 to $24,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Roth IRA Certificate $25,000.00 to $49,999.99 $1,000.00 2.650 2.677 180 Days Dividends
36 Month Roth IRA Certificate $50,000.00 to $99,999.99 $1,000.00 2.750 2.779 180 Days Dividends
36 Month Roth IRA Certificate $100,000.00 and up $1,000.00 2.850 2.881 180 Days Dividends

Effective 06/20/2018. Rates Subject to Change. Penalty for early withdrawal.

Savings

Length Share Type Dividend Rate APY %
Share Acct 01 0.100 0.100
Christmas Club Acct 02 0.200 0.200
Special Savings Acct 10 0.100 0.100
Non Dividend Acct 99 0.00 0.00
Share Draft Account 08 0.00 0.00
Money Market

$10 - $2,499

40 0.100 0.100
Money Market

$2,500 - 24,999

40 0.400 0.400
Money Market

$25,000 - $49,999

40 0.600 0.602
Money Market

$50,000 - $99,999

40 0.700 0.702
Money Market

$100,000 & UP

40 0.800 0.803
IRA 80 0.700 0.702
SEP 83 0.700 0.702
Regular Roth IRA 85 0.700 0.702
Converted Roth IRA 87 0.700 0.702
Educational IRA 89 0.700 0.702
Health Savings Account 09 0.250 0.250
Coverdell ESA 89 0.700 0.702
       
       

Other Accounts 02/01/2017

Christmas Club 02/01/2017

Kasasa 06/01/2017

Money Market 02/01/2017

IRA Accounts 02/01/2017

IRA Certificates 06/20/2018

Rates Subject to Change

Early Withdrawal Penalty: We may impose a penalty if you withdraw any of the principal before the maturity date.

Amount of Penalty: For all accounts, the amount of the early withdrawal penalty for your accounts is 90 days dividends or 180 days dividends for each year remaining.

How the Penalty Works: The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:

1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.

2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled.

Renewal Policy: The renewal policy for your accounts is indicated on the reverse side. For all accounts, your account will automatically renew for another term upon maturity. For all accounts, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

Nontransferable/Nonnegotiable: Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

The rates and fees appearing in the above schedule are accurate and effective for accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union.

Truth-In-Savings Account Disclosures

Except as specifically described, the following disclosures apply to all the accounts. All accounts described in this Rate & Fee Schedule are share accounts.

1. Rate Information. APY= Annual Percentage Yield.The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For accounts subject to dividend compounding, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings.

2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

3. Dividends Compounding and Crediting. The compounding and crediting of dividends applicable to each account is set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period. For Non Compounding (2 year) accounts, dividends will be transferred to a Share or Share Draft account.

4. Balance Information. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day.

5. Accrual of Dividends. For all accounts, dividends will begin to accrue on non cash deposits (e.g. checks) on the business day you make the deposit to your account. For all accounts, if you close your account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations. After your account is opened, your ability to make additional deposits to your account or withdrawals of dividends and any limitations on such transactions are set forth in the Rate Schedule.

7. Maturity. Your account will mature as indicated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice.