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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective 07/01/18. Rates may change after accounts are opened. Fees may reduce earnings.

Kasasa Cash*Learn More

Balance Minimum Deposit to Open Rate APY
0 - $25,000 $100 2.28% 2.30%
$25,000+ $100 0.50% 2.30% to 0.86%
All balances if qualifications not met $100 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 electronic statements

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.

Kasasa Saver*Learn More

Balance Minimum Deposit to Open Rate APY
0 - $100,000 $100 1.05% 1.05%
$100,000+ $100 0.50% 1.05% to 0.77%
All balances if qualifications not met $100 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 electronic statements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Savings Accounts

Account Minimum to Open APY
Statement Savings $100 0.50%
Kids Statement Savings $10 0.50%
MoneyIsland Savings (For Kids) $10 0.50%
Christmas Club $10 0.50%
Business Savings $500 0.50%

Cornerstone Money MarketLearn More

Minimum Balance to Obtain APY Minimum Deposit to Open APY
$2,500 $2,500 0.30%
$10,000 $2,500 0.40%
$25,000 $2,500 0.65%

Certificates of Deposit (CDs)Learn More

These are our most popular terms. Additional options are offered. Please call or visit one of our bankers today for the full listing of all our current CD rates and terms.

Term Minimum Deposit to Open APY
3 Months $1,000.00 0.35%
12 Months $1,000.00 0.80%
24 Months $1,000.00 0.95%
36 Months $1,000.00 1.20%
48 Months $1,000.00 1.25%
60 Months $1,000.00 1.30%

 

Penalty for early withdrawal

Cornerstone Business Money MarketLearn More

Minimum Balance to Obtain APY Minimum Deposit to Open APY
$2,500 $2,500 0.30%
$10,000 $2,500 0.40%
$25,000 $2,500 0.65%
$100,000 $2,500 0.75%

Vehicle Loans

Type Term APR
New Car up to 60 months 3.98%
New Car 61 to 72 months 4.25%
Used Car up to 60 months 4.49%
Used Car 61 to 72 months 4.79%
New Motorcycle up to 60 months 7.49%
New Motorcycle 61 to 72 months 7.99%

All annual percentage rates are accurate as of 07/01/18. and are subject to change at any time.

Home Equity LoansLearn More

Type Amount Interest Rate APR Terms
80% Combined Loan to Value – Single Family up to $200,000 5.99% to 6.79% 6.42% to 7.23% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years
80% Combined Loan to Value – Condominium up to $150,000 6.29% to 6.99% 6.72% to 7.43% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years 
85% Combined Loan to Value – Single Family Up to $125,000 6.29% to 6.89% 6.72% to 7.33% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years
85% Combined Loan to Value – Condominium Up to $100,000 6.59% to 6.99% 7.03% to 7.43% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years 
90% Combined Loan to Value – Single Family Up to $75,000 6.49% to 7.19% 6.93% to 7.64% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years
90% Combined Loan to Value – Condominium Up to $75,000 6.79% to 7.19% 7.23% to 7.64% 10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years

Note: Rates are based on loan amounts, credit qualifications and FICO scores. APR = Annual Percentage Rate. Credit and other restrictions may apply.

80% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $59.90 at 6.42% APR (5.99% Interest Rate) for 119 months, with a final balloon payment of $8,426.95. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71.Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

85% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.81 at 7.33% APR (6.89% Interest Rate) for 119 months, with a final balloon payment of $8,624.26.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $63.81 at 7.03% APR (6.59% Interest Rate) for 119 months, with a final balloon payment of $8,561.13. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

90% Combined Loan to Value Program Payment Examples

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.15 at 6.93% APR (6.49% Interest Rate) for 119 months, with a final balloon payment of $8,539.54. Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

Home Equity Lines of Credit (HELOC)

80% Combined Loan to Value Program - Single Family ProgramLearn More

Combined Loan to Value: up to 80% Maximum Loan Amount $200,000

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$150,000 to $200,000 Prime +.00 to Prime + 1.00 5.00% to 6.00%
$100,000 to $149,999 Prime + .50 to Prime + 1.25 5.50% to 6.25%
$50,000 to $99,999 Prime + .75 to Prime + 1.50 5.75% to 6.50%
Up to $49,999 Prime + 1.00 to Prime + 1.75 6.00% to 6.75%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

80% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

80% Combined Loan to Value Program - Condominium ProgramLearn More

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$100,000 to $150,000 Prime + .75 to Prime + 1.50 5.75% to 6.50%
$50,000 to $99,999 Prime + 1.00 to Prime + 1.75 6.00% to 6.75%
Up to $49,999 Prime + 1.25 to Prime + 2.00 6.25% to 7.00%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

80% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

85% Combined Loan to Value Program - Single Family ProgramLearn More

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$75,000 to $125,000 Prime + 1.00 to Prime + 1.75 6.00% to 6.75%
$25,000 to $74,999 Prime + 1.25 to Prime + 2.00 6.25% to 7.00%
Up to $24,999 Prime + 1.50 to Prime + 2.25 6.50% to 7.25%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

85% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

85% Combined Loan to Value Program - Condominium ProgramLearn More

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$50,000 to $100,000 Prime + 1.25 to Prime + 2.00 6.25% to 7.00%
$25,000 to $49,999 Prime + 1.50 to Prime + 2.25 6.50% to 7.25%
Up to $24,999 Prime + 1.75 to Prime + 2.50 6.75% to 7.50%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

85% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

90% Combined Loan to Value Program - Single Family ProgramLearn More

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$50,000 to $75,000 Prime + 1.25 to Prime + 2.00 6.25% to 7.00%
$25,000 to $49,999 Prime + 1.50 to Prime + 2.25 6.50% to 7.25%
Up to $24,999 Prime + 1.75 to Prime + 2.50 6.75% to 7.50%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

90% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

90% Combined Loan to Value Program - Condominium ProgramLearn More

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000 (80% when 1st Mortgage Exceeds $1,000,000)

Amount Interest Rate (Prime 5.00%) APR / Rate Floor 4.50%
$50,000 to $75,000 Prime + 1.50 to Prime + 2.25 6.50% to 7.25%
$25,000 to $49,999 Prime + 1.75 to Prime + 2.50 6.75% to 7.50%
Up to $24,999 Prime + 2.00 to Prime + 2.75 7.00% to 7.75%

 

Note: Rates are based on loan amounts, credit qualifications and FICO scores.

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 5.00%. The "floor" is 4.50% and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

90% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

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