For Your Information

Rates

Rates effective as of 4/1/2015. APY=Annual Percentage Yield.

Share Certificates

TermDividend RateAPY
6 Months 0.39% 0.39%
12 Months 0.50% 0.50%
24 Months 0.89% 0.89%
36 Months 1.14% 1.15%
48 Months 1.38% 1.39%

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

Share Certificates (Jumbo)

TermDividend RateAPY
6 Months 0.49% 0.49%
12 Months 0.60% 0.60%
24 Months 0.98% 0.99%
36 Months 1.23% 1.24%
48 Months 1.48% 1.49%

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

Individual Retirement Accounts (IRAs)

TermDividend RateAPY
6 Months 0.50% 0.50%
12 Months 0.69% 0.69%
24 Months 1.18% 1.19%
36 Months 1.53% 1.54%
48 Months 1.77% 1.78%

Minimum opening balance $1,000.00. There could be a penalty imposed for early withdrawal.

Individual Retirement Accounts (IRAs) (Jumbo)

TermDividend RateAPY
6 Months 0.60% 0.60%
12 Months 0.79% 0.79%
24 Months 1.28% 1.29%
36 Months 1.63% 1.64%
48 Months 1.87% 1.89%

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

Checking

AccountDividend RateAPY
Kasasa Cash* On balances up to $7,500.00 4.01%
On balances over $7,500.00 4.01% to 0.82%
If qualifications aren't met 0.05%
Preferred Checking 0.05% 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 $50,000.00 1.01% 1.01%
On balances over $50,000.00 0.50% 1.01% to 0.55%
If qualifications aren't met 0.05% 0.05%
Regular Shares $100.01 - $5,000.00 0.55% 0.55%
$5,000.01 - $10,000.00 0.55% 0.55%
$10,000.01 - $20,000.00 0.55% 0.55%
$20,000.01 - $50,000.00 0.70% 0.70%
$50,000.01 - $100,000.00 0.70% 0.70%
$100,000.01 & Above 0.70% 0.70%
Freedom Shares 0.25% 0.25%
High Yield Shares $20,000.00 - $99,999.99 0.50% 0.50%
$100,000.00 & Above 0.70% 0.70%
Christmas Club 0.25% 0.25%
Vacation Club 0.25% 0.25%
Business Shares $100.00 - $1,000.00 0.15% 0.15%
$1,000.01 - $10,000.00 0.20% 0.20%
$10,000.01 - $50,000.00 0.25% 0.25%
$50,000.01 & Above 0.30% 0.30%
Team Pelican 0.25% 0.25%
IRA Share 0.89% 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 TypeTerms Monthly Payment Per $1,000 Borrowed (Maximum Term) Annual Percentage Rates As Low As+
New/Used Auto and Motorcycle 0 - 84 Months $12.88 2.24%
Other Secured 24 - 144 Months $8.78 4.04%
Personal/Signature 0 - 60 Months $19.81 6.99%

+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