APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of October 15, 2013. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $0 2.22% 2.25%
$10,000+ $0 0.15% 2.25% to 0.34%
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* See Details

Balance Interest Rate APY
0 - $25,000 0.75% 0.75%
$25,000+ 0.15% 0.75% to 0.15%
Qualifications not met 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.

Loan Rates

Auto/Truck/Motorcycle See Details

APR
New 2016-2017 Model Years As Low As 2.49%1
Used 2013-2016 Model Years As Low As 2.49%1
Used 2011-2012 Model Years As Low As 3.49%1
Used 2009-2010 Model Years As Low As 4.49%1
Used 2007-2008 Model Years As Low As 5.49%1
Older Used Auto/Truck As Low As 5.49%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. Call a loan officer for more information.

Boat/RV See Details

APR
New - up to 120 months As Low As 4.49%1
Used - 2014-2016 As Low As 4.49%1
Used - 2007-2013 As Low As 5.49%1

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

Off-Road RV See Details

APR
New As Low As 9.00%1
Used As Low As 9.50%1

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

Home Equity Line of Credit See Details

APR
Home Equity Line of Credit Prime Rate Plus 1.5%

Other Loans

APR
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. Call a loan officer for more information.

Savings Rates

Regular and IRA Shares

Type APY Rate
Regular Savings 0.03%
IRA Shares 0.30%

Effective July 1, 2015

A penalty may be imposed for early withdrawal.

Term Share Certificates See Details

Type APY Rate
3 Month 0.30%
6 Month 0.30%
1 Year 0.35%
2 Year 1.11%
3 Year 0.55%
4 Year 0.75%
5 Year 1.00%

Effective February 13, 2017

Let the Lampco Lighthouse Light Guide you to the Best CD rates in Madison County.

A penalty may be imposed for early withdrawal.

Money Market Account2See Details

Type APY Rate
$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

2Minimum balance to open: $2,500.00. Minimum balance to earn dividends: $2,500.00