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%
Holiday & Vacation Club $5.00 0.10% 0.10%
Health Savings Account $0.00 0.25% 0.25%

Money Market/IRA2

Rates effective starting:

Tier Balance Annual Percentage Yield1 Dividend Rate
High-Yield Money Market ($5,000 minimum to earn interest)3 1.50% 1.485%
$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 / Individual Retirement Account (IRA)4

Rates effective starting:

CDs Minimum Balance $100 Annual Percentage Yield1 Dividend Rate
3-month CD/IRA 0.75% 0.750%
6-month CD/IRA 1.25% 1.240%
12-month CD/IRA 1.75% 1.735%
18-month Flex CD5 1.75% 1.735%
18-month IRA Growth CD6 1.75% 1.735%
24-month CD/IRA 2.00% 1.980%
30-month Flex CD5 2.10% 2.075%
30-month IRA Growth CD6 2.10% 2.075%
36-month CD/IRA 2.25% 2.225%
48-month CD/IRA 2.25% 2.225%
60-month CD/IRA 2.50% 2.465%

New & Used Auto

Rates effective starting:

Product1 APR (As low as)2 Maximum term Monthly Cost
(per $1,000)
New Auto 2.99% 66 months $16.47
New Auto 3.34% 75 months $14.82
New Auto 4.34% 84 months ($15,000 minimum) $13.86
Used Auto (2007-2008) 3.24% 48 months $22.27
Used Auto (2009-2010) 3.24% 60 months $18.10
Used Auto 2011 3.49% 72 months $15.44
Used Auto (2012 or newer) 3.24% 66 months $16.59
Used Auto (2012 or newer) 3.59% 75 months $14.93
Used Auto (2015 or newer) 5.09% 84 months ($15,000 minimum) $14.21
Classic Auto 3.99% 60 months $18.45
SMART Auto 4.49% 10 years $10.38

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 3.24% 60 months $18.10
Used Motorcycle 3.49% 60 months $18.22
New Boat/Watercraft 3.24% 60 months $18.11
Used Boat/Watercraft 3.49% 60 months $18.22
New/Used Motor Home/RV 5.49% 180 months $8.19
New/Used Travel Trailer 4.99% 120 months $10.63

Unsecured Loans

Rates effective starting:

Product APR1 Maximum term Monthly Cost
(per $1,000)
Personal Loan As low as 7.99%2 72 months $17.59
Student Loan (Undergraduate) As low as 7.50%3
Student Loan Refinance As low as 3.14%3 (Variable) 5 years
Student Loan Refinance As low as 4.14%3 (Variable) 10 years
Student Loan Refinance As low as 4.64%3 (Variable) 15 years
Student Loan Refinance As low as 3.49%3 (Fixed) 5 years
Student Loan Refinance As low as 4.49%3 (Fixed) 10 years
Student Loan Refinance As low as 4.99%3 (Fixed) 15 years
Share Secured Share Rate +1.5% 120 months
Certificate Secured Certificate Rate +1.5% 120 months
QuickCA$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)

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 3.24% 5 years $180.76
First Lien Home Equity up to 80% as low as 3.74% 10 years $100.02
First Lien Home Equity up to 80% as low as 4.24% 15 years $75.18
Home Equity Fixed Rate up to 80% as low as 3.74% 5 years $183.00
Home Equity Fixed Rate up to 80% as low as 4.24% 10 years $102.39
Home Equity Fixed Rate up to 80% as low as 4.74% 15 years $77.74
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) 4.500% 0.000% 4.576% $51.12
20 Year fixed (as low as) 4.250% 0.000% 4.354% $62.48
15 Year fixed (as low as) 4.000% 0.000% 4.132% $74.63

Adjustable-Rate Mortgages

Rates effective starting:

Loan Type1 Rates Points APR2 Monthly Cost
(per $10,000)
3/1 ARM (as low as) 3.375% 0.000% 5.041% $45.60
5/1 ARM (as low as) 3.625% 0.000% 4.942% $45.60
5/5 ARM (as low as) 3.625% 0.000% 4.942% $45.60
7/1 ARM (as low as) 4.000% 0.000% 4.958% $47.74
10/1 ARM(as low as) 4.000% 0.000% 4.958% $47.74