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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 2018-2019 Model Years As Low As 3.69%1
Used 2016-2019 Model Years As Low As 3.79%1
Used 2014-2015 Model Years As Low As 4.29%1
Used 2012-2013 Model Years As Low As 4.49%1
Used 2010-2011 Model Years As Low As 5.79%1
Classic Auto As Low As 6.84%1
Used Corvettes Not Classified Elsewhere As Low As 6.84%1

1Rate is based on member's credit score and the loan term. Call a loan officer for more information.

Effective April 12, 2019

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 0.30%*
6 Month 0.30%
1 Year 0.90%
2 Year 1.11%
3 Year 1.31%
4 Year 0.75%
5 Year 1.00%

Effective May 1, 2019

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