APY = Annual Percentage Yield. Rates and APYs accurate as of November 16, 2024.
Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Kasasa Cash®* Learn More
| Balance | Rate | APY |
|---|---|---|
| 0 to $15,000 | 4.88% | 5.00% |
| $15,000+ | 0.25% | 5.00% to 0.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications to Earn Rewards
In fact, you’re probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver®* Learn More
| Balance | Rate | APY |
|---|---|---|
| 0 to $20,000 | 1.98% | 2.00% |
| $20,000+ | 0.25% | 2.00% to 0.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Health Savings Account (HSA) Learn More
| Balance | Interest Rate | APY |
|---|---|---|
| $10.00 - $999.99 | 0.25% | 0.00% - 0.25% |
| $1,000 - $9,999.99 | 0.50% | 0.25% - 0.48% |
| $10,000 - $24,999.99 | 1.15% | 0.48% - 0.88% |
| $25,000+ | 1.25% | 0.88% - 1.26% |
Health Savings Accounts are for eligible individuals for the purpose of paying for qualified medical expenses. Our HSA is a tiered-rate checking account that pays higher rates if you maintain a higher balance. See our Electronic Funds Transfer (EFT) Agreement and Disclosure for information regarding HSA Debit Card privileges. See our HSA Information packet for additional eligibility information, terms and conditions.
Flex Savings Learn More
| Balance | Interest Rate | APY |
|---|---|---|
| $10.00 - $9,999.99 | 0.10% | 0.10% |
| $10,00.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.25% | 0.25% |
| $100,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 - $999,999.99 | 0.75% | 0.75% |
| $1,000,000.00 - $4,999,999.99 | 0.25% | 0.25% |
| $5,000,000.00+ | 0.00% | 0.00% |
A tiered statement-savings account that pays higher rates if you maintain a higher balance. You must deposit $10.00 to open this account and maintain a minimum daily balance of $10.00 to earn interest and the stated APY. A service charge of $2.00 will be imposed on every month that the Average Daily Balance in the account for the month falls below $200.00. This fee is waived if the primary account holder is under the age of 18.
Christmas Club Learn More
| Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|
| $5.00 | 0.10% | 0.10% |
Have an interest rate of 0.10% and an APY of 0.10% You must deposit $5.00 to open this account and maintain a minimum daily balance of $10.00 to earn interest and the stated APY.
Certificates of Deposit (CDs) Learn More
| Term | IRA/Roth? | Interest Rate | APY |
|---|---|---|---|
| 32 Days | No | 0.10% | 0.10% |
| 91 Days | No | 2.92% | 3.00% |
| 6 Months | Yes | 4.11% | 4.25% |
| 9 Months | Yes | 3.87% | 4.00% |
| 12 Months | Yes | 3.87% | 4.00% |
| 15 Months | Yes | 3.82% | 3.95% |
| 18 Months | Yes | 3.82% | 3.95% |
| 24 Months | Yes | 3.82% | 3.95% |
| 36 Months | Yes | 3.15% | 3.25% |
| 48 Months | Yes | 2.68% | 2.75% |
| 60 Months | Yes | 2.44% | 2.50% |
Certificate of Deposit Accounts and Individual Retirement Account CDs feature daily interest compounding and require a minimum deposit of $1,000.00 (unless otherwise noted) to open the account and obtain the stated Annual Percentage Yield (APY). There is a penalty for early withdrawal.
Auto Loans Learn More
| Term (up to) | Interest Rate | Auto Loan Type |
|---|---|---|
| 5 Years | 10.125% | For vehicles 2020 and newer |
| 5 Years | 10.625% | For vehicles 2018 to 2019 |
| 4 Years | 12.375% | For vehicles 2016 to 2017 |
| 3 Years | 12.375% | For vehicles 2014 to 2015 |
Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.
Recreational Vehicle Loans Learn More
| Type | Term (up to) | Interest Rate | Auto Loan Type |
|---|---|---|---|
| ATV’s & Motorcycles | 5 Years | 11.125% | 2020 and newer |
| ATV’s & Motorcycles | 4 Years | 11.625% | 2015 to 2019 |
| RV's & Boats | 5 Years | 13.875% | 2020 and newer |
| RV's & Boats | 4 Years | 14.125% | 2015 to 2019 |
Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.
Personal Loans Learn More
| Term (up to) | Interest Rate | Unsecured, Fixed Rate Installment Loans |
|---|---|---|
| 3 Years | 14.375% | $2,500 Minimum loan amount |
| 5 Years | 15.375% | $2,500 Minimum loan amount |
Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.