APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of January 16, 2019. Fees may reduce earnings. All rates are subject to change.
| Tier |
Interest Rate |
APY |
| 0 - $15000 |
3.25% |
3.25% |
| $15,000+ |
0.68% |
3.25% to 0.68% |
| Qualifications not met |
0.05% |
0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into online banking
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 dividend rate. Then you can get back to earning your full rewards the very next month!
| Tier |
Interest Rate |
APY |
| 0 - $25,000 |
1.25% |
1.25% |
| $25,000+ |
0.49% |
1.25% to 0.49% |
| Qualifications not met |
0.05% |
0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-Statements
- Be enrolled in and log into online banking
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning your full rewards the very next month you qualify.
| Term |
Dividend Rate |
APY |
| 3 Month |
0.995% |
1.000% |
| 6 Month |
1.785% |
1.800% |
| 12 Month |
2.080% |
2.100% |
| 18 Month |
2.227% |
2.250% |
| 24 Month |
2.374% |
2.400% |
| 36 Month |
2.570% |
2.600% |
| 48 Month |
2.765% |
2.800% |
| 60 Month |
2.960% |
3.000% |
| Tier |
Dividend Rate |
APY |
| $2,500 - $9,999.99 |
0.300% |
0.300% |
| $10,000 - $74,999.99 |
0.399% |
0.400% |
| $75,000 - $99,999.99 |
0.449% |
0.450% |
| $100,000+ |
0.499% |
0.500% |
Auto/ Boat/ Motorcycle/ Camper/ RV LoansLearn More
| Credit Score |
0 - 36 Months |
37 - 48 Months |
49 - 60 Months |
61 - 72 Months |
73 - 84 Months |
| 740+ |
4.24% |
4.24% |
4.75% |
5.00% |
6.99% |
| 700 - 739 |
4.95% |
4.95% |
5.00% |
5.50% |
6.99% |
| 640 - 699 |
6.00% |
6.00% |
6.50% |
6.99% |
7.99% |
| 600 - 639 |
9.25% |
10.50% |
11.25% |
11.50% |
N/A |
| 550 - 599 |
10.25% |
11.50% |
13.25% |
N/A |
N/A |
| 549 (-) |
13.25% |
14.50% |
16.25% |
N/A |
N/A |
Boat / RV / Camper Loans Only
| Credit Score |
85 - 120 Months |
| 740+ |
7.99% |
| 700 - 739 |
7.99% |
| 640 - 699 |
9.99% |
| 600 - 639 |
N/A |
| 550 - 599 |
N/A |
| 549 (-) |
N/A |
Computer, Appliance, & New Household Furnishing LoansLearn More
| Credit Score |
Term |
APR |
| 740+ |
0 - 48 Months |
9.90% |
| 700 - 739 |
0 - 48 Months |
10.90% |
| 640 - 699 |
0 - 48 Months |
14.90% |
| 600 - 639 |
0 - 48 Months |
15.90% |
| 550 - 599 |
0 - 48 Months |
16.90% |
| 549 (-) |
0 - 48 Months |
17.90% |
| Credit Score |
APR |
| 740+ |
8.90% |
| 700 - 739 |
9.90% |
| 640 - 699 |
13.90% |
| 600 - 639 |
15.90% |
| 550 - 599 |
16.90% |
| Credit Score |
0 - 48 Months |
49 - 60 Months |
61 - 72 Months |
73 - 84 Months |
85 - 120 Months |
| 740+ |
9.25% |
9.25% |
9.25% |
9.25% |
9.75% |
| 700 - 739 |
10.25% |
10.25% |
10.25% |
10.25% |
10.75% |
| 640 - 699 |
11.25% |
11.25% |
11.25% |
11.75% |
N/A |
| 600 - 639 |
16.25% |
17.25% |
17.95% |
N/A |
N/A |
| 550 - 599 |
17.95% |
N/A |
N/A |
N/A |
N/A |
| 549 (-) |
N/A |
N/A |
N/A |
N/A |
N/A |
| Credit Score |
0 - 48 Months |
49 - 60 Months |
61 - 72 Months |
73 - 84 Months |
85 - 120 Months |
| 740+ |
7.99% |
7.99% |
7.99% |
7.99% |
8.99% |
| 700 - 739 |
8.99% |
8.99% |
8.99% |
8.99% |
9.99% |
| 640 - 699 |
12.99% |
12.99% |
13.99% |
13.99% |
14.99% |
| 600 - 639 |
15.99% |
16.99% |
17.99% |
N/A |
N/A |
| 550 - 599 |
17.99% |
N/A |
N/A |
N/A |
N/A |
| 549 (-) |
N/A |
N/A |
N/A |
N/A |
N/A |
Home Equity Loans - up to 180 Month TermLearn More
| Score |
APR (70% LTV) |
APY (80% LTV) |
| 700+ |
6.99% |
7.99% |
| 640-699 |
7.99% |
8.99% |
| 600-639 |
10.99% |
12.99% |
| 550-599 |
13.99% |
15.99% |
| 549 and under |
16.99% |
17.99 |
Home Improvement Loans - up to 60 Month TermLearn More
| Grade |
Score |
APR |
| A+ |
800+ |
7.90% |
| A |
700-799 |
9.90% |
| B |
640-699 |
12.90% |
| C |
600-639 |
14.90% |
| D |
550-599 |
16.90% |
| E |
549 and under |
17.90% |
| 4.00% over rate of Savings or Certificate used to secure the loan |
| Term |
APR |
| Up to 60 Months |
7.90% |
Unsecured & Overdraft LoansLearn More
| Credit Score |
APR |
| 740+ |
10.90% |
| 700 - 739 |
11.90% |
| 640 - 699 |
15.90% |
| 600 - 639 |
17.90% |
| 550 - 599 |
17.90% |
| 549 (-) |
N/A |
