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Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of Ocrober 1, 2021. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened.

Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
$0 - $10,000 $0 0..25% 0.25%
$10,000+ $0 0.15% 0.25% to 0.16%
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.

Effective October 1, 2021

Boat/RV Loans Learn More

Terms APR
New - up to 144 months As Low As 6.99%1
Used - 2020-2022 As Low As 7.49%1
Used - 2013-2019 As Low As 7.99%1

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

Effective October 3, 2022

Off-Road RV Learn More

Types APR
New As Low As 10.00%1
Used As Low As 10.50%1

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

Effective October 3, 2022

Auto/Truck/Motorcycle Loans Learn More

Terms APR
New  2021-2023 Model Years As Low As 6.09%1
Used 2019-2022 Model Years As Low As 6.29%1
Used 2017-2018 Model Years As Low As 6.79%1
Used 2015-2016 Model Years As Low As 7.29%1
Used 2013-2014 Model Years As Low As 8.69%1
Classic Auto As Low As 9.49%1
Used Corvettes Not Classified Elsewhere As Low As 9.49%1

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

Effective February 16, 2023

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 3.00%

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

Effective October 3, 2022

Regular and IRA Shares

Type APY
Regular Savings 0.05%
IRA Shares1 0.70%

Effective December 1, 2022

1 A penalty may be imposed for early withdrawal.

Term Share Certificates Learn More

Type APY
3 Month 0.10%*
6 Month 0.10%
1 Year 0.70%
2 Year 0.70%
3 Year 0.70%
4 Year 0.70%
5 Year 1.00%

 

Effective December 23, 2022

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
$2,500.00 to $10,000.00 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 December 1, 2022

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