Borrow and benefit with exclusive loan perks
Feel confident paying ahead knowing you can always use into that extra cash if you need it.
Benefits You’ll Love
- Pay ahead to reduce interest costs
- Additional funds always available for withdrawal
- Competitive, fixed rates
- Manage on-the-go with mobile banking
Pay down your debt faster with Take-Backs in your corner.
The Kasasa Loan gives you the confidence to pay ahead on your balance knowing you can always tap into that extra cash if you need it. That’s what we call a “Take-Back®,” and that peace of mind could add up to some major savings for you.
Great news: United Equity Auto Loans, RV Loans, and Personal loans all qualify to be a Kasasa Loan!
Step 1: Pay ahead on your loan. Pay more than your minimum monthly payment as your budget allows. Easily access your personal dashboard in online banking to see the impact of changes before you make them.
Step 2: Build your Take-Back Balance. Every dollar you pay above your minimum payment gets added to your Take-Back balance. You can access this extra cash whenever you want without penalties or fees. Just financial relief.
Step 3. Get out of debt faster. The more you pay ahead, the faster you can pay off your loan. And the more money you have available to access if you need it later. Giving you peace of mind today and tomorrow.
Step 4: Save on interest payments. Paying off your loan early means you’ll owe less interest. The sooner you pay off your balance, the more money you’ll save! Just one more reason to celebrate being debt-free.
Manage your loan from anywhere.
Keeping all this newfound control straight is easy thanks to the handy Kasasa Loans™ app, which features a simple, always-on dashboard.
- Have a real-time view of where you stand at any given point
- Track your current loan payments or make adjustments to the amount
- View your available Take-Back balance
- Withdraw the extra funds with a click of a button
- Even visualize the impact of changes before you make them
Finally, a loan that’s built for real life.
Here’s what you can expect from any Kasasa Loan:
- Pay ahead to pay off your loan faster and reduce interest costs
- Additional funds (your Take-Back balance) are always available to withdraw at a click of a button, with no penalties or fees
- Your rate remains the same and your payoff schedule adjusts automatically
- Competitive, fixed rates for a wide range of needs:
- Auto purchase and refinance
- Vehicle repairs or updates
- Home improvements
- Education expenses
- Debt consolidation
- Medical expenses
- Family vacations
- And more!
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Truck Loans (100% Financing)
2023 & Newer
Term | APR* |
---|---|
36 Months | 5.50 |
48 Months | 5.55 |
60 Months | 5.65 |
72 Months | 6.25 |
84 Months** | 7.15 |
2019-2022 / 90% NADA
Term | APR* |
---|---|
36 Months | 5.80 |
48 Months | 6.00 |
60 Months | 6.25 |
72 Months | 6.65 |
84 Months** | 7.90 |
2016-2018 / 85% NADA
Term | APR* |
---|---|
36 Months | 6.75 |
48 Months | 7.00 |
60 Months | 7.40 |
72 Months | 7.90 |
2015 and older/ 80% NADA
Term | APR* |
---|---|
36 Months | 7.25 |
48 Months | 7.50 |
60 Months | 7.90 |
72 Months | 8.15 |
*APR Is The Annual Percentage Rate. **84 Month term available for loan amount of $40,000 or more.
Declared Dividend
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.
Home Equity Fixed Rate/Fixed Term (minimum $5,000)
Type | Loan to Value | APR* |
---|---|---|
5 Year (1st Lien Position) | Please contact us | 6.00 |
7 Year | Please contact us | 6.35 |
10 Year | Please contact us | 6.50 |
15 Year | Please contact us | 7.00 |
20 Year | Please contact us | 7.25 |
30 Year | Please contact us | 7.55 |
5 Year (2nd Lien Position) | Please contact us | 6.25 |
7 Year | Please contact us | 6.75 |
10 Year | Please contact us | 7.00 |
15 Year | Please contact us | 7.50 |
20 Year | Please contact us | 7.90 |
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)
Type |
---|
Contact the Credit Union for Rate. 217.875.1845 |
Home Equity Line of Credit (HELOC) (with actual rates)
Type | Range of Balances | APR* |
---|---|---|
60 Months Maximum | $ 5,000 - $ 10,000 | 8.75 |
120 Months Maximum | $10,000.01 - $ 30,000 | 8.75 |
150 Months Maximum | $30,000.01 - $350,000 | 8.75 |
5 year draw period $5,000 Minimum initial draw. Minimum $1,000 additional draws. Payments adjusted with each draw (Minimum $100.00 Monthly Payment).
*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.
Kasasa Cash
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
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.
Motorcycles, Boats, & RV
2021 & Newer
Term | APR* |
---|---|
36 Months | 6.00 |
48 Months | 6.05 |
60 Months | 6.20 |
72 Months | 6.75 |
84 Months** | 7.25 |
96 Months** | 7.50 |
108 Months*** | 8.00 |
120 Months*** | 8.05 |
144 Months*** | 8.20 |
2017-2020 / 90% NADA
Term | APR* |
---|---|
36 Months | 6.75 |
48 Months | 7.00 |
60 Months | 7.25 |
72 Months | 7.65 |
84 Momths** | 7.75 |
96 Months** | 8.00 |
108 Months*** | 8.25 |
2016 & Older / 80% NADA
Term | APR* |
---|---|
24 Months | 7.50 |
36 Months | 7.50 |
48 Months | 7.75 |
60 Months | 8.50 |
72 Months | 8.75 |
*APR Is The Annual Percentage Rate.
**Loan term of 84 or 96 months available for loan amounts of $40,000 or more.
***Loan term of 108, 120, and 144 month available for loan amounts of $60,000 or more.
Note Loans
Type | APR* |
---|---|
6 Months | Contact the CU |
*APR Is The Annual Percentage Rate.
Personal Loans
Type | APR* |
---|---|
Up To 1 Year | 7.75 |
Over 1 Up To 2 Years | 8.75 |
Over 2 Up To 3 Years | 10.00 |
Over 3 Up To 4 Years | 10.25 |
Over 4 Up To 5 Years | 10.50 |
*APR Is The Annual Percentage Rate.
Term limits may apply to personal loans.
Share & Share Certificate Secured Loans
Type |
---|
Contact the Credit Union for Rate. 217.875.1845 |
Share Certificates
$500 Minimum - Youth
Time | Nominal Rate | APY* |
---|---|---|
6 Months | .75 | .75 |
12 Months | 1.50 | 1.51 |
18 Months | 1.15 | 1.16 |
24 Months | 1.40 | 1.41 |
36 Months | 1.40 | 1.41 |
48 Months | 1.20 | 1.21 |
60 Months | 1.20 | 1.21 |
$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.