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 0.10% 0.10%
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 1.75% 1.735%

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 1.75% 1.735%
$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 1.75% 1.735%
12-month CD/IRA 2.50% 2.465%
18-month Flex CD5 2.50% 2.465%
18-month IRA Growth CD6 2.50% 2.465%
24-month CD/IRA 2.50% 2.465%
30-month Flex CD5 2.50% 2.465%
30-month IRA Growth CD6 2.50% 2.465%
36-month CD/IRA 2.50% 2.465%
48-month CD/IRA 2.50% 2.465%
60-month CD/IRA 2.75% 2.715%

New & Used Auto

Rates effective starting:

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Auto 3.24% 48 months $22.27
New Auto 3.64% 66 months $16.77
New Auto 3.99% 75 months $15.11
New Auto 4.99% 84 months ($15,000 minimum) $14.16
Used Auto (2008 or newer) 3.49% 48 months $22.39
Used Auto (2010 or newer) 3.89% 66 months $16.88
Used Auto (2012 or newer) 4.24% 75 months $15.23
Used Auto (2016 or newer) 5.74% 84 months ($15,000 minimum) $14.52
Classic Auto 4.49% 60 months $18.68
SMART Auto 5.64% 10 years $10.95

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 3.74% 60 months $18.33
Used Motorcycle 3.99% 60 months $18.44
New Boat/Watercraft 3.74% 60 months $18.33
Used Boat/Watercraft 3.99% 60 months $18.44
New/Used Motor Home/RV 5.99% 180 months $8.46
New/Used Travel Trailer 5.49% 144 months $9.52

Unsecured Loans

Rates effective starting:

Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 8.24%2 72 months $17.71
Student Loan (Undergraduate) As low as 8.00%3
Student Loan Refinance As low as 3.64%3 (Variable) 5 years
Student Loan Refinance As low as 4.64%3 (Variable) 10 years
Student Loan Refinance As low as 5.14%3 (Variable) 15 years
Student Loan Refinance As low as 3.49%3 (Fixed) 5 years
Student Loan Refinance As low as 4.49%3 (Fixed) 10 years
Student Loan Refinance As low as 4.99%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$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 $182.12
First Lien Home Equity up to 80% as low as 3.99% 10 years $101.36
First Lien Home Equity up to 80% as low as 4.49% 15 years $76.59
Home Equity Fixed Rate up to 80% as low as 3.99% 5 years $184.41
Home Equity Fixed Rate up to 80% as low as 4.49% 10 years $103.78
Home Equity Fixed Rate up to 80% as low as 4.99% 15 years $79.19
Home Equity Line-of-Credit (Variable at Prime) up to 90% as low as 3.49% (introductory rate)3 20 years

Fixed-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2 Monthly Cost
(per $10,000)
30 Year fixed (as low as) 5.000% 0.000% 5.102% $53.68
20 Year fixed (as low as) 4.750% 0.000% 4.886% $64.62
15 Year fixed (as low as) 4.375% 0.000% 4.547% $75.86

Adjustable-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2 Monthly Cost
(per $10,000)
3/1 ARM (as low as) 3.625% 0.000% 5.104% $45.60
5/1 ARM (as low as) 3.875% 0.000% 4.952% $47.02
5/5 ARM (as low as) 3.875% 0.000% 4.952% $47.02
7/1 ARM (as low as) 4.250% 0.000% 4.948% $49.20
10/1 ARM(as low as) 4.250% 0.000% 4.770% $49.20