Rates

Rates effective as of August 1, 2017. Rates may change after accounts are opened, except fixed rate certificates of deposit. Fees may reduce earnings. APY=Annual Percentage Yield.

Certificates of Deposit

TermMinimumAPYInterest Rate
13-Month Choose Your Term CD$10,0001.000%1.000%
15-Month Choose Your Term CD$10,0001.000%1.000%
17-Month Choose Your Term CD$10,0001.000%1.000%
30-Month Worry-Free CD (1.00% APY Floor)$10,0002.10%2.08%
60-Month Worry-Free CD (1.21% APY Floor)$10,0002.30%2.28%
1-Year CD$1,0001.00%1.00%
2-Year CD$1,0001.16%1.15%
3-year CD$1,0001.260%1.250%
4-year CD$1,0001.360%1.350%
5-Year CD$1,0001.51%1.50%
Variable IRA$100.400%.400%

*The minimum to open and obtain the APY is the minimum stated in each category. Penalty will be imposed for early withdrawal.


Worry-Free Money Market

Balance*APYInterest RateFloor Rate
<$100,000.000.25%0.25%N/A
$100,000 - $499,9991.64%1.63%0.50% APY
$500,000 - $1,000,0001.84%1.83%0.75% APY
$1,000,001 - Over1.84%

Subject to negotiation

1.83%

Subject to negotiation

0.75% APY

*$10,000 is required to open the account and to avoid the monthly service charge.

Rates are subject to change the first business day of each month.

Money Market Plus Accounts

Balance*APYInterest Rate
$0 to $49,999.200%.200%
$50,000 to $99,999.250%.250%
$100,000 to $499,999.500%.500%
$500,000 - Over.750%.750%

*$100 is required to open the account. Minimum balance of $10,000 is required to avoid the monthly service charge.

Kasasa Cash

BalanceAPYInterest Rate
Balances up to $7,0002.25%2.23%
Portion of balance over $7,0002.25 to 0.19%

Assumed balance of $100,000

0.05%
All balances (Non-Qualify)0.01%0.01%

To earn rewards, complete the following transactions and activities in Kasasa Cash each monthly qualification cycle:


  • Have at least 10 debit card purchases post and settle
  • Have at least 1 ACH payment or direct deposit post and settle
  • Enroll in online banking and receive free eStatements

Advantage Checking

BalanceAPYInterest Rate
$1,000 to $2,499.010%.010%
$2,500 to $4,999.010%.010%
$5,000 to $7,499.010%.010%
$7,500 to $9,999.010%.010%
$10,000 to $24,999.010%.010%
$25,000 to $49,999.010%.010%
$50,000 to $74,999.030%.030%
$75,000 and over.030%.030%

Savings Accounts

Account TypeAPYInterest Rate
Money Market Account.03%.03%
Savings Account.03%.03%
Health Savings (IRA).01%.01%

Savings interest is compounded daily and credited quarterly.

Business NOW

BalanceAPYInterest Rate
$1,000 to $2,499.01%.01%
$2,500 to $4,999.01%.01%
$5,000 to $7,499.01%.01%
$7,500 to $9,999.01%.01%
$10,000 to $24,999.01%.01%
$25,000 to $49,999.01%.01%
$50,000 to $74,999.03%.03%
$75,000 and over.03%.03%