Rates

Rates effective as of 8/26/13. APY=Annual Percentage Yield.

Share Certificates

TermDividend RateAPY
6 Months0.39%0.39%
12 Months0.50%0.50%
24 Months0.89%0.89%
36 Months1.14%1.15%
48 Months1.38%1.39%

Minimum opening balance $500.00. There could be a penalty imposed for early withdrawal.

Share Certificates (Jumbo)

TermDividend RateAPY
6 Months0.49%0.49%
12 Months0.60%0.60%
24 Months0.98%0.99%
36 Months1.23%1.24%
48 Months1.48%1.49%

Minimum opening balance $10,000.00. There could be a penalty imposed for early withdrawal.

Individual Retirement Accounts (IRAs)

TermDividend RateAPY
6 Months0.50%0.50%
12 Months0.69%0.69%
24 Months1.18%1.19%
36 Months1.53%1.54%
48 Months1.77%1.78%

Individual Retirement Accounts (IRAs) (Jumbo)

TermDividend RateAPY
6 Months0.60%0.60%
12 Months0.79%0.79%
24 Months1.28%1.29%
36 Months1.63%1.64%
48 Months1.87%1.89%

Checking

AccountDividend RateAPY
Kasasa Cash*On balances up to $10,000.004.01%
On balances over $10,000.004.01% to 0.82%
If qualifications aren't met0.05%
Preferred Checking0.05%0.05%
Dividends earned on balances over $500. Product no longer offered.

Kasasa Cash Qualifications — Complete the following transactions and activities each monthly qualification cycle: Be enrolled and receive FREE eStatement notice, be enrolled and log into online banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle.

Savings

AccountTermsDividend RateAPY
Kasasa Saver*Up to $50,000.001.01%1.01%
On balances over $50,000.000.50%1.01% to 0.55%
If qualifications aren't met0.05%0.05%
Regular Shares$100.01 - $5,000.000.65%0.65%
$5,000.01 - $10,000.000.65%0.65%
$10,000.01 - $20,000.000.65%0.65%
$20,000.01 - $50,000.000.80%0.80%
$50,000.01 - $100,000.000.80%0.80%
$100,000.01 & Above0.80%0.80%
Freedom Shares0.25%0.25%
High Yield Shares$20,000.00 - $99,999.990.50%0.50%
$100,000.00 & Above0.70%0.70%
Christmas Club0.25%0.25%
Vacation Club0.25%0.25%
Commercial Shares$100.00 - $1,000.000.15%0.15%
$1,000.01 - $10,000.000.20%0.20%
$10,000.01 - $50,000.000.25%0.25%
$50,000.01 & Above0.30%0.30%
Team Pelican0.25%0.25%
IRA Share0.89%0.89%

Kasasa Saver Qualifications — Complete the following transactions and activities each monthly qualification cycle in Kasasa Cash: Be enrolled and receive FREE eStatement notice, be enrolled and log into online banking, have at least 15 check card purchases post and settle, and have at least 1 direct deposit, online bill payment, or automatic payment (ACH) post and settle.

Consumer Loans

Consumer Loan TypeTermsMonthly Payment Per $1,000 Borrowed (Maximum Term)Rate As Low As+
New/Used Auto and Motorcycle++0 - 84 Months$12.872.24%
Other Secured24 - 144$9.275.04%
Personal/Signature0 - 60 Months$19.806.99%

+Rates shown are the lowest offered by the advertised product. Applicants who are not approved at these rates may be offered a higher rate. The rate you receive will be determined by your credit history and past credit performance. Not all applicants may be approved.

++ Up to 125% Loan to Value