Rates
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of May 1, 2019. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened.
Kasasa Cash* Learn More
| Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $25,000 | $0 | 2.96% | 3.00% |
| $25,000+ | $0 | 0.15% | 3.00% to 0.72% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Earning the full rewards is so easy, 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:
- Have at least 12 debit card purchases post and settle
- Have at least 1 direct deposit, bill pay, or ACH payment transaction post and settle
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month!
Kasasa Saver* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $50,000 | $0 | 0.99% | 1.00% |
| $50,000+ | $0 | 0.15% | 1.00% to 0.43% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Have at least 1 direct deposit, bill pay, or ACH payment transaction post and settle
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.
Boat/RV Loans Learn More
| Terms | APR |
|---|---|
| New - up to 144 months | As Low As 5.99%1 |
| Used - 2017-2019 | As Low As 6.49%1 |
| Used - 2010-2016 | As Low As 6.99%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective Sept 1, 2018
Off-Road RV Learn More
| Types | APR |
|---|---|
| New | As Low As 9.00%1 |
| Used | As Low As 9.50%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective November 1, 2017
Auto/Truck/Motorcycle Loans Learn More
| Terms | APR |
|---|---|
| New 2019-2020 Model Years | As Low As 3.39%1 |
| Used 2017-2019 Model Years | As Low As 3.59%1 |
| Used 2015-2016 Model Years | As Low As 4.09%1 |
| Used 2013-2014 Model Years | As Low As 4.59%1 |
| Used 2011-2012 Model Years | As Low As 5.99%1 |
| Classic Auto | As Low As 6.99%1 |
| Used Corvettes Not Classified Elsewhere | As Low As 6.99%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective April 1, 2020
Other Loans
| Type | APR |
|---|---|
| Home Equity Line of Credit | Prime Rate plus 0.0% |
| Unsecured Line of Credit | As Low As 10.00%1 |
| Signature | As Low As 10.00%1 |
| Share Covered | 2.00% |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Regular and IRA Shares
| Type | APY |
|---|---|
| Regular Savings | 0.03% |
| IRA Shares1 | 0.30% |
Effective July 1, 2015
1 A penalty may be imposed for early withdrawal.
Term Share Certificates Learn More
| Type | APY |
|---|---|
| 3 Month | 0.05%* |
| 6 Month | 0.05% |
| 1 Year | 0.10% |
| 2 Year | 0.25% |
| 3 Year | 0.50% |
| 4 Year | 0.55% |
| 5 Year | 0.60% |
Effective September 1, 2020
Let the Lampco Lighthouse Light Guide you to the Best CD rates in Madison County.
Minimum $500 Balance. A penalty may be imposed for early withdrawal.
Money Market Account Learn More
| Type | APY |
|---|---|
| $2,500 to $10,000 | 0.05% |
| $10,000.01 to $25,000.00 | 0.10% |
| $25,000.01 to $50,000.00 | 0.10% |
| $50,000.01 and greater | 0.15% |
Effective August 1, 2012
Minimum balance to open: $2,500.00. Minimum balance to earn dividends: $2,500.00