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APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates and APYs accurate as of December 31, 2019.

Rates and rewards are variable and may change after account is opened.

Fees may reduce earnings.


Free Kasasa Cash Checking* Learn More

Balance Rate APY
0 to $5,000 2.23% 2.25%
$5,000+ 0.25% 2.25% to 0.35%
All balances if qualifications not met 0.05% 0.05%

Qualifications to Earn Rewards

And we mean easy. 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 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s seriously it. 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.

Free Kasasa Saver* Learn More

Balance Rate APY
0 to $5,000 0.50% 0.50%
$5,000+ 0.25% 0.50% to 0.26%
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 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. And if you don’t meet these qualifications, don’t worry — your accounts are still freePlus, 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.

Regular Savings Learn More

Type Minimum Deposit to Open Minimum Balance to Earn APY APY
Variable $50.00 $100.00 0.15%

Money Market Learn More

Amount Type Minimum Deposit to Open Minimum Balance to Earn APY APY
$1,000 - $9,999.99 Variable $1,000 $1,000 0.10%
$10,000 - $49,999.99 Variable $10,000 $10,000 0.20%
$50,000 - $99,999.99 Variable $50,000 $50,000 0.25%
$100,000+ Variable $100,000 $100,000 0.30%

Federal Regulation D limits the number of transactions on Money Market Accounts. A combined maximum of six transfers per month per account can be made by following methods: Online transfers, telephone transfers, preauthorized transfers, ACH debits, faxes, money market checks. Dividends on Money Market Accounts are calculated on the daily average balance and paid monthly. Money Market account rates are subject to change monthly.

Certificate Accounts Learn More

Amount Term Type Minimum Deposit to Open Minimum Balance to Earn APY APY
$1,000 - $9,999 6 Month Fixed $1,000.00 $1,000.00 0.15%
$10,000 - $49,999 6 Month Fixed $10,000.00 $10,000.00 0.25%
$50,000+ 6 Month Fixed $50,000.00 $50,000.00 0.30%
$1,000 - $9,999 12 Month Fixed $1,000.00 $1,000.00 0.25%
$10,000 - $49,999 12 Month Fixed $10,000.00 $10,000.00 0.35%
$50,000+ 12 Month Fixed $50,000.00 $50,000.00 0.40%

Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.

IRA Savings Learn More

Type Minimum Deposit to Open Minimum Balance to Earn APY APY
Variable $0.00 $0.00 0.30%

Vehicle Loan Rates Learn More

Product APR
New Auto (2018 and newer) 1.97% - 14.75%
Used Auto (2017 and older) 2.97% - 14.75%

For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.

Recreational Vehicles Learn More

Product APR
New Recreational Vehicle1 4.79% - 15.75%
Used Recreational Vehicle1 4.79% - 15.75%
New Boat2 4.79% - 15.75%
Used Boat2 4.79% - 15.75%
Boat - Documented3 4.79% - 15.75%
Motorcycle 4.97% - 16.75%
Other Motorized Vehicles4 4.97% - 16.75%

1Motorhome, Trailer, 5th Wheel and the like

2Recreational/Titled

3Documented, Preferred Marine Mortgage (available for Washington State Members only)

4ATV, Snowmobile, Jet Ski and the like

Credit Cards Learn More

Product APR
Basic 14.75%
Platinum1 9.90%

1Credit line over $5000, no annual fee.

Signature Loans Learn More

Product APR
Debt Consolidation 9.97% - 17.75%
Personal/Unsecured 9.97% - 17.75%
4 Seasons Loan1 6.97%

1New money only, up to $5000, 24 Month Term

Secured Loans Learn More

Product APR
Savings Account 3.50%
Certificate Account 3.50%

For current Annual Percentage Rate information call 800-666-7328.