Savings & Checking

Rates effective starting:

Product Minimum Balance Annual Percentage Yield1 Dividend Rate
Ardent Savings $5.00 0.10% 0.10%
Business Savings Account (up to $250,000) $5.00 1.00% 0.995%
Business Savings Account (over $250,000) $5.00 0.100% 0.100%
Free Kasasa Cash® Checking Account (up to $25,000) See full benefits $0.00 1.00% 0.995%
Free Kasasa Cash® Checking Account (over $25,000) See full benefits $0.00 0.25% 0.250%
Free Basic Checking Account $0.00 0.05% 0.05%
Cash Account – ages 13-26 $1.00 0.00% 0.00%
Holiday & Vacation Club $5.00 0.10% 0.10%
Health Savings Account $0.00 0.25% 0.25%
Rookie Account– ages 0-12 $5.00 1.00% 0.995%
Stash Account – ages 13-26 (up to $2500) $5.00 1.00% 0.995%
Stash Acount– ages 13-26 (up to $5000) $5.00 1.50% 1.485%
Stash Account– ages 13-26 (over $5000) $5.00 2.00% 1.980%

Money Market/Money Market IRA2

Rates effective starting:

Tier Balance Annual Percentage Yield1 Dividend Rate
High-Yield Money Market ($5,000 minimum to earn interest)3 1.85% 1.83%
$0.00 to $2,499.99 0.10% 0.10%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $99,999.99 0.15% 0.15%
$100,000 and up 0.20% 0.20%

CD / CD IRA4

Rates effective starting:

CDs Minimum Balance $100 Annual Percentage Yield1 Dividend Rate
3-month CD/IRA 1.00% 0.995%
6-month CD/IRA 1.25% 1.24%
12-month CD/IRA 2.15% 2.125%
13-month No-Penalty CD/IRA5 2.00% 1.98%
18-month Flex CD6 1.75% 1.735%
18-month IRA Growth CD6 1.75% 1.735%
24-month CD/IRA 1.75% 1.735%
30-month IRA Growth CD7 1.75% 1.735%
30-month Flex CD6 1.75% 1.735%
36-month CD/IRA 1.75% 1.735%
48-month CD/IRA 1.75% 1.735%
60-month CD/IRA 1.75% 1.735%

New & Used Auto

Rates effective starting:

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Auto 2.74% 48 months $22.05
New Auto 3.14% 66 months $16.54
New Auto 3.49% 75 months $14.89
New Auto 4.49% 84 months ($15,000 minimum) $13.93
Used Auto (2009 or newer) 2.99% 48 months $22.16
Used Auto (2011 or newer) 3.39% 66 months $16.66
Used Auto (2013 or newer) 3.74% 75 months $15.00
Used Auto (2017 or newer) 5.24% 84 months ($15,000 minimum) $14.28
Classic Auto 4.74% 60 months $18.79
SMART Auto 5.14% 10 years $10.70

New & Used Boat/Watercraft, RV/Motorhome, Motorcycle

Rates effective starting:

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Motorcycle 3.99% 60 months $18.44
Used Motorcycle 4.24% 60 months $18.56
New Boat/Watercraft 3.99% 60 months $18.44
Used Boat/Watercraft 4.24% 60 months $18.56
New/Used Motor Home/RV 6.24% 180 months $8.59
New/Used Travel Trailer 5.74% 144 months $9.65

Unsecured Loans

Rates effective starting:

Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 8.49%2 72 months $17.84
Student Loan (Undergraduate) As low as 8.25%3
Student Loan Refinance As low as 2.99%3 (Variable) 5 years
Student Loan Refinance As low as 3.89%3 (Variable) 10 years
Student Loan Refinance As low as 4.24%3 (Variable) 15 years
Student Loan Refinance As low as 3.74%3 (Fixed) 5 years
Student Loan Refinance As low as 4.64%3 (Fixed) 10 years
Student Loan Refinance As low as 4.99%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$H Line-of-Credit 12.25%
VISA Platinum Card as low as 10.88% fixed4
VISA Gold Card as low as 10.96% fixed4
VISA Classic Card as low as 9.99% fixed
VISA Secured Card 17.90% fixed ($25 Annual Fee)
Lend-a-Paw Line of Credit 8.99% APR

Home Loans

Rates effective starting:

Loan Type1 Loan to Value Annual Percentage Rate2 Maximum Term Monthly Cost
(per $10,000)
First Lien Home Equity up to 80% as low as 3.49% 5 years $181.88
First Lien Home Equity up to 80% as low as 3.99% 10 years $101.20
First Lien Home Equity up to 80% as low as 4.49% 15 years $76.45
Home Equity Fixed Rate up to 80% as low as 4.24% 5 years $185.26
Home Equity Fixed Rate up to 80% as low as 4.74% 10 years $104.80
Home Equity Fixed Rate up to 80% as low as 5.24% 15 years $80.34
Home Equity Line-of-Credit (Variable at Prime) up to 90% as low as 3.49% (introductory rate)3 20 years
First Lien Home Equity 80.01% to 90% as low as 3.99% 5 years $184.12
First Lien Home Equity 80.01% to 90% as low as 4.49% 10 years $103.60
First Lien Home Equity 80.01% to 90% as low as 4.49% 15 years $76.45
Home Equity Fixed Rate 80.01% to 90% as low as 4.99% 5 years $188.67
Home Equity Fixed Rate 80.01% to 90% as low as 5.49% 10 years $108.48
Home Equity Fixed Rate 80.01% to 90% as low as 5.99% 15 years $84.34

Fixed-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2 Monthly Cost
(per $10,000)
30 Year fixed (as low as) 3.625% 0.000% 3.684% $45.60
20 Year fixed (as low as) 3.500% 0.000% 3.586% $58.00
15 Year fixed (as low as) 3.125% 0.000% 3.229% $69.66

Adjustable-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2 Monthly Cost
(per $10,000)
3/1 ARM (as low as) 3.250% 0.000% 4.736% $43.52
5/1 ARM (as low as) 3.375% 0.000% 4.540% $44.21
5/5 ARM (as low as) 3.500% 0.000% 4.430% $44.90
7/1 ARM (as low as) 3.625% 0.000% 4.462% $45.61
10/1 ARM(as low as) 3.750% 0.000% 4.326% $46.32