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rates

Rates

APY = Annual Percentage Yield. Rates effective as of 8/1/2016. Fees may reduce earnings.

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

Accounts

Kasasa Cash* See Details

Balance Rate APY
$0 - $10,000 1.98% 2.00%
$10,000+ 0.10% 2.00 - 0.42%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases posted per statement cycle
  • Maintain eStatements and eServices
  • Maintain at least 1 recurring Automatic Clearing House (ACH) deposit or withdrawal

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Savings Accounts See Details

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Prime Share/Savings $1 $200 0.10% 0.10%
Youth Savings $5 $5 0.10% 0.10%
Christmas & Anytime Accounts $5 $200 0.10% 0.10%
Money Market $1,000 $1,000 0.15% 0.15%
IRA Account (Reg/Roth/Educ) $100 $100 0.2498% 0.25%

Platinum Money Market See Details

Balance Rate APY
$0 - $34,999 0.05% 0.05%
$35,000+ 0.1499% 0.15%

Platinum Plus Money Market

Balance Rate APY
$0 - $49,999 0.05% 0.05%
$50,000+ 0.2497% 0.25%

Business Accounts See Details

Account Minimum Opening Deposit Minimum Balance to Earn Dividends Rate APY
Business Shares $5 $200 0.10% 0.10%
Business Money Market $1,000 $1,000 0.15% 0.15%
Business Share Draft Interest $0 $1,000 0.15% 0.15%

Certificates

Certificate - 6 Months

Minimum Deposit Dividend Rate APY
$1,000 0.3993% 0.40%
$20,000 0.4989% 0.50%
$50,000 0.4989% 0.50%
$100,000 0.5486% 0.55%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 8 Months JUMBO Special

Minimum Deposit Dividend Rate APY
$20,000 0.6978% 0.70%
$50,000 0.6978% 0.70%
$100,000 0.7475% 0.75%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 12 Months

Minimum Deposit Dividend Rate APY
$1,000 0.5486% 0.55%
$20,000 0.6978% 0.70%
$50,000 0.6978% 0.70%
$100,000 0.7474% 0.75%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - Save to Win

Term Minimum Deposit Dividend Rate APY
12 months $25 0.10% 0.10%

See account disclosure for account qualifications, penalties, and official rules.

Certificate - 15 Months JUMBO Special

Minimum Deposit Dividend Rate APY
$20,000 1.144% 1.15%
$50,000 1.144% 1.15%
$100,000 1.292% 1.30%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 24 Months

Minimum Deposit Dividend Rate APY
$1,000 0.6978% 0.70%
$20,000 0.8963% 0.90%
$50,000 0.8963% 0.90%
$100,000 0.9459% 0.95%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 27 Months JUMBO Special

Minimum Deposit Dividend Rate APY
$20,000 1.292% 1.30%
$50,000 1.292% 1.30%
$100,000 1.342% 1.35%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 36 Months

Minimum Deposit Dividend Rate APY
$1,000 0.8467% 0.85%
$20,000 1.0945% 1.10%
$50,000 1.0945% 1.10%
$100,000 1.1440% 1.15%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 39 Months JUMBO Special

Minimum Deposit Dividend Rate APY
$20,000 1.539% 1.55%
$50,000 1.539% 1.55%
$100,000 1.588% 1.60%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 60 Months

Minimum Deposit Dividend Rate APY
$1,000 1.1440% 1.15%
$20,000 1.4405% 1.45%
$50,000 1.4405% 1.45%
$100,000 1.5884% 1.60%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 63 Months JUMBO Special

Minimum Deposit Dividend Rate APY
$20,000 2.1291% 2.15%
$50,000 2.1291% 2.15%
$100,000 2.1781% 2.20%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificates

IRA Certificate - 8 months JUMBO Special (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$20,000 0.7479% 0.75%
$50,000 0.7479% 0.75%
$100,000 0.7976% 0.80%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 6 Months (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$1,000 0.4492% 0.45%
$20,000 0.5489% 0.55%
$50,000 0.5489% 0.55%
$100,000 0.5987% 0.60%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 12 Months (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$1,000 0.5987% 0.60%
$20,000 0.7479% 0.75%
$50,000 0.7479% 0.75%
$100,000 0.7976% 0.80%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 15 months JUMBO Special (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$20,000 1.195% 1.20%
$50,000 1.195% 1.20%
$100,000 1.343% 1.35%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 24 Months (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$1,000 0.7479% 0.75%
$20,000 0.9466% 0.95%
$50,000 0.9466% 0.95%
$100,000 0.9963% 1.00%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 27 months JUMBO Special (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$20,000 1.343% 1.35%
$50,000 1.343% 1.35%
$100,000 1.393% 1.40%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 36 months (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$1,000 0.8970% 0.90%
$20,000 1.1451% 1.15%
$50,000 1.1451% 1.15%
$100,000 1.1946% 1.20%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 39 months JUMBO Special (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$20,000 1.591% 1.60%
$50,000 1.591% 1.60%
$100,000 1.640% 1.65%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 60 months (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$1,000 1.1946% 1.20%
$20,000 1.4916% 1.50%
$50,000 1.4916% 1.50%
$100,000 1.6399% 1.65%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 63 months JUMBO Special (Reg/Roth/Educ)

Minimum Deposit Dividend Rate APY
$20,000 2.1821% 2.20%
$50,000 2.1821% 2.20%
$100,000 2.2313% 2.25%

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Loans & Mortgage

Auto Loans See Details

Loan Product Annual Percentage Rate
New Vehicle 1.99% - 18.00%
Used Vehicle 1.99% - 18.00%
New Boat, Motorcycle, RV Loan 3.49% - 18.00%
Used Boat, Motorcycle, RV Loan 3.49% - 18.00%

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

Personal Loans See Details

Loan Product Annual Percentage Rate
Personal Loan 10.99% - 18.00%
Share Secured Loan 3.00% above current dividend rate
Sharedraft/Overdraft Line of Credit 10.99% - 18.00%

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. On mortgage loans a modification fee of 0.75% and closing costs may apply. Some restrictions apply. Rates are subject to change without notice.

Credit Cards See Details

Card Type Annual Percentage Rate
MasterCard Platinum (min $500) ** 9.49% - 17.99%
VISA Platinum (min $500) ** 7.99% - 17.99%
VISA Platinum Reward (min $500) ** 9.49% - 17.99%

ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). Lines of Credit are subject to approval. Please refer to the 'Application and Solicitation Disclosure' for further explanation.

** Changes to This Plan: We reserve the right to change any and all of the terms of this agreement. For example, we can change the type and amount of the fees we charge, the interest rate, and the minimum payment amount, as well as the other features of this plan.

Fee Schedule
Electronic Funds Transfer Fees
ATM Inquires and Transactions (Non-ABNBFCU Machines) $1.25
ATM Transactions on Non-Owned International ATMs $1.50
VISA Check Card Non-Sufficient Funds $29.00
VISA Check Card Replacement $5.00
Bill Pay Service Fees
Bill Pay with Checking, Direct Deposit, & eServices/eStatements No Charge
Bill Pay without Checking, Direct Deposit, & eServices/eStatements
$4.95
Bill Pay Non-Sufficient Funds $29.00
Bill Pay - Stop Pay on Check Transactions
$29.00
Bill Pay Inquiry $21.00
Bill Pay Check Copy $21.00
Other Service Fees
Certified/Cashiers Check $5.00
Check Deposit Return $15.00
Foreign Check Processing $20.00
Copy of Statement $5.00
Interim Statement (History) $3.00
Money Orders $2.00
Travelers Checks (per $100) $2.00
Wire Transfers - Incoming $15.00
Wire Transfers - Outgoing $20.00
Account Research (per hour, 1 hour min.) $20.00
Return Mail (if new address provided - 1st time - fee is returned) $5.00
Account Collection Charges
Garnishment/Levy $25.00
Check Deposit Item Collection (Domestic or Foreign)
$20.00
Savings Account Fees
Money Market - excessive w/d transfers (more than 6 per month) $10.00
Re-Open Savings Account $20.00
Single Service Account (less than $500 / per month fee) $5.00
Inactive/Dormant (no activity for 12 months / per month fee) $15.00
IRA Account Fees
IRA Rollover or Transfer (Before Age 59 1/2) $25.00
IRA External Transfer $25.00
Coverdell Education Rollover, Transfer, W/D (Before Age 18) $25.00
Checking Account Fees
Non-Sufficient Funds $29.00
Overdraft Protection (Courtesy Pay) $29.00
Stop Payment $29.00
Non-Automated Overdraft Protection Transfers from Related Accounts $2.00
Check Copy $5.00
Balance Account (per hour charge) $20.00
Check Printing varies
Monthly Service Fees - see Lifestyle Checking Disclosures varies

Note: 1) Other fees imposed for special services will be disclosed at the time of the request. 2) Fees subject to change with 45-days notice.

Single Service User
Members must maintain a combined balance of $500 in a savings and/or Demand Deposit accounts, or have another service product such as a club account, money market, certificate, or loan to avoid the $5 single service fee. Youth accounts regardless of balance are exempt from this fee.