APY = Annual Percentage Yield. APR = Annual Percentage Rate, also known as Nominal Rate. Rates effective as of 10/16/2024. Fees may reduce earnings.

Kasasa Cash Learn More

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $25 5.00% 5.00%
$20,000+ $25 1.04% 1.04%
All balances if qualifications not met $25 0.00% 0.00%

 

Qualifications

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

Kasasa Cash

*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver Back to Top Learn More

Balance Minimum Opening Deposit Rate APY
0 - $25,000 $25 2.00% 2.00%
$25,000+ $25 0.60% 0.60%
All balances if qualifications not met $25 0.05% 0.05%

Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

Share Accounts Back to Top Learn More

Account Type Nominal Rate APY*
Regular Shares .15 .15
Christmas Club Accounts .25 .25
Vacation Club Accounts .15 .15
Special Purpose Accounts .15 .15
Share Draft Accounts .05 .05
Money Market Accounts 1.20 1.21

*APY Is The Annual Percentage Yield.

All rates are determined by the Board of Directors and are subject to change periodically.

Share Certificates Back to Top Learn More

$500 Minimum - Youth

Time Nominal Rate APY*
6 Months 1.25 1.26
12 Months 2.00 2.02
18 Months 1.50 1.51
24 Months 1.80 1.82
36 Months 1.80 1.82
48 Months 1.50 1.51
60 Months 1.65 1.66

$1,000 Minimum

Time Nominal Rate APY*
6 Months 1.25 1.26
12 Months 2.00 2.02
18 Months 1.50 1.51
24 Months 1.80 1.82
36 Months 1.80 1.82
48 Months 1.50 1.51
60 Months 1.65 1.66

$10,000 Minimum

Time Nominal Rate APY*
6 Months 1.30 1.31
12 Months 2.00 2.02
18 Months 1.55 1.56
24 Months 1.80 1.82
36 Months 1.80 1.82
48 Months 1.50 1.51
60 Months 1.65 1.66

$25,000 Minimum

Time Nominal Rate APY*
6 Months 1.35 1.36
12 Months 2.00 2.02
18 Months 1.60 1.61
24 Months 1.80 1.82
36 Months 1.80 1.82
48 Months 1.50 1.51
60 Months 1.65 1.66

*APY Is The Annual Percentage Yield.

 All rates are determined by the Board of Directors and are subject to change periodically.

Auto & Motorcycle Loans Back to Top Learn More

2023 & Newer

Term APR*
Up to 60 Months 5.00
72 Months 6.00
84 Months** 7.50

2020-2022

Term APR*
Up to 60 Months 6.00
72 Months 7.00
84 Months** 8.50

2017-2019

Term APR*
Up to 60 Months 7.00
72 Months 8.00

2014 - 2016

Term APR*
Up to 60 Months 7.50
72 Months 8.50

*APR Is The Annual Percentage Rate.

**84 Month term available for loan amount of $40,000 or more. 

Recreational Vehicles Back to Top

2023 & Newer

Term APR*
Up to 60 Months 6.00
72 Months 7.00
73 - 120 Months** 8.50

2017-2022

Term APR*
Up to 60 Months 7.00
72 Months 8.00
73 - 120 Months** 9.00

2014 - 2016

Term APR*
Up to 60 Months 8.00
72 Months 9.00

*APR Is The Annual Percentage Rate.

**Loan term of 73-120 months available for loan amounts of $60,000 or more. 

Personal Loans Back to Top Learn More

Type APR*
Up to 12 Months 7.50
24 Months 8.50
36 Months 9.50
48 Months 10.50
60 Months 11.50

*APR Is The Annual Percentage Rate.

Term limits may apply to personal loans.

Note Loans Back to Top

Type APR*
Up to 6 Months Contact the CU

*APR Is The Annual Percentage Rate.

Home Equity Fixed Rate/Fixed Term (minimum $5,000) Back to Top Learn More

Type Loan to Value APR*
5 Year (1st Lien Position) Please contact us 6.00
7 Year Please contact us 6.25
10 Year Please contact us 6.50
15 Year Please contact us 6.50
20 Year Please contact us 6.75
30 Year Please contact us 7.00
5 Year (2nd Lien Position) Please contact us 6.25
7 Year Please contact us 6.50
10 Year Please contact us 7.00
15 Year Please contact us 7.00
20 Year Please contact us 7.50
30 Year Please contact us 8.00

*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.

Home Equity Line of Credit (HELOC) Back to Top Learn More

Type
Contact the Credit Union for Rates & Terms. 217.875.1845

Share & Share Certificate Secured Loans Back to Top Learn More

Type
Contact the Credit Union for Rates & Terms. 217.875.1845