- Tax-advantaged retirement savings*
- Competitive dividends above standard savings rates
- Traditional and Roth IRA options
- No setup fees
- Low, $25 annual maintenance fee
- Annual contribution limits apply (see current contribution limits; $7,000 as of 2024)*
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- No minimum deposit required to open
*Consult a tax advisor.
- Tax-advantaged retirement Share Certificate*
- Competitive Certificate rate above standards savings rates
- Traditional and Roth IRA options
- No setup fees
- Low, $25 annual maintenance fee (charged to IRA Savings)
- Annual contribution limits apply (see current contribution limits; $7,000 as of 2024)*
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- Low minimum deposit to open
*Early withdrawals may have tax consequences, in addition to early withdrawal penalties. Consult a tax advisor. Must open IRA Savings account for annual fee. See website for current rates.
There are advantages to both Traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A Traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax*
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59 ½
- Early withdrawals subject to penalty**
- Mandatory withdrawals at age 72
Roth IRA
- Income limits to be eligible to open Roth IRA*
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal**
- Principal contributions can be withdrawn without penalty***
- Withdrawals on dividends can begin at age 59 ½
- Early withdrawals on dividends subject to penalty***
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
*Consult a tax advisor. **Subject to some minimal conditions. ***Certain exceptions apply, such as healthcare, purchasing first home, etc.
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificate Accounts
| Amount | Term | Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
|---|---|---|---|---|---|
| $1,000+ | 6 Month | Fixed | $1,000.00 | $1,000.00 | 3.65% |
| $1,000+ | 9 Month | Fixed | $1,000.00 | $1,000.00 | 3.35% |
| $1,000+ | 12 Month | Fixed | $1,000.00 | $1,000.00 | 3.00% |
*APY = Annual Percentage Yield. Penalty for early withdrawal may apply. Certificate dividends are paid at maturity.
Credit Cards
| Product | APR* |
|---|---|
| Rewards | 10.50% - 17.50% |
| Traditional | 9.90% - 16.50% |
*APR = Annual Percentage Rate. For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.
Free Kasasa Cash Checking
| Balance | Rate | APY* |
|---|---|---|
| $0.00 to $25,000 | 3.9285% | 4.00% |
| $25,000+ | 0.25% | 4.00% to 1.00% |
| All balances if qualifications not met | 0.05% | 0.05% |
*APY = Annual Percentage Yield. Qualifications must be met.
Free Kasasa Saver
| Balance | Rate | APY* |
|---|---|---|
| $0.00 to $25,000 | 2.4718% | 2.50% |
| $25,000+ | 0.25% | 2.50% to 0.70% |
| All balances if qualifications not met | 0.05% | 0.05% |
*APY = Annual Percentage Yield. Qualifications must be met.
Holiday Club Account
| Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
| Variable | $0.00 | $0.00 | 0.25% |
*APY = Annual Percentage Yield. Funds transferred to your Primary Savings Account each year on November 1st.
IRA Certificate
| Account | Amount | Term | Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
|---|---|---|---|---|---|---|
| Roth IRA Certificate | $500+ | 12 month | Fixed | $500.00 | $500.00 | 3.25% |
| Traditional IRA Certificate | $500+ | 12 month | Fixed | $500.00 | $500.00 | 3.25% |
*APY = Annual Percentage Yield. Contribution limits and penalty for early withdrawal may apply. Certificate dividends are paid at maturity.
IRA Savings
| Account | Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
|---|---|---|---|---|
| Roth IRA | Variable | $0.00 | $0.00 | 0.75% |
| Traditional IRA | Variable | $0.00 | $0.00 | 0.75% |
*APY = Annual Percentage Yield. Contribution limits may apply.
Money Market
| Amount | Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
|---|---|---|---|---|
| $1,000 - $9,999.99 | Variable | $1,000 | $1,000 | 0.50% |
| $10,000 - $49,999.99 | Variable | $10,000 | $10,000 | 0.65% |
| $50,000 - $99,999.99 | Variable | $50,000 | $50,000 | 0.75% |
| $100,000+ | Variable | $100,000 | $100,000 | 1.00% |
*APY = Annual Percentage Yield. 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, or money market checks. Dividends on Money Market Accounts are calculated on the Average Daily Balance and paid monthly. Money Market account rates are subject to change monthly.
Primary Savings
| Type | Minimum Deposit to Open | Minimum Balance to Earn APY | APY* |
|---|---|---|---|
| Variable | $5.00 | $100.00 | 0.25% |
*APY = Annual Percentage Yield
Recreational Vehicles
| Product | APR* |
|---|---|
| New Recreational Vehicle1 | 7.47% - 16.75% |
| Used Recreational Vehicle1 | 7.47% - 16.75% |
| New Boat2 | 7.47% - 16.75% |
| Used Boat2 | 7.47% - 16.75% |
| Motorcycle | 7.47% - 17.75% |
| Other Motorized Vehicles3 | 7.47% - 17.75% |
*APR = Annual Percentage Rate. For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.
1Motorhome, Trailer, 5th Wheel and the like
2Recreational/Titled
3ATV, Snowmobile, Jet Ski and the like
Share Secured Loans
| Product | APR* |
|---|---|
| Savings Account | 3.50% above Share Rate |
| Certificate Account | 3.50% above Certificate Rate |
*APR = Annual Percentage Rate
Signature Loans
| Product | APR* |
|---|---|
| Debt Consolidation | 9.97% - 17.75% |
| Personal/Unsecured | 9.97% - 17.75% |
| 4 Seasons Loan1 | 7.97% |
*APR = Annual Percentage Rate. For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.
1New money only, up to $10,000, 24 Month Term
Vehicle Loan Rates
| Product | APR* |
|---|---|
| New Auto (2023 and newer) | 4.87% - 16.75% |
| Used Auto (2022 and older) | 5.87% - 17.75% |
*APR = Annual Percentage Rate. For rates shown as a range, the Annual Percentage Rate (APR) will be based on applicant's credit qualifications.
Youth Checking Account
| Balance | Rate | APY* |
|---|---|---|
| 0-$500 | 4.909% | 5.00% |
| $500.01+ | 0.00% | 0.00% |
*APY = Annual Percentage Yield
Youth Savings Accounts
| Balance | Rate | APY* |
|---|---|---|
| 0-$500 | 4.909% | 5.00% |
| $500.01+ | 0.10% | 0.10% |
*APY = Annual Percentage Yield