Rates

Checking Account Rates
 Minimum
to Open
Minimum to
Earn Dividends
Dividend
Rate
APY*
KASASA Cash   (Up to $10,000) $25 $0 2.472% 2.50%
KASASA Cash   ($10,001 and up*) $25 $0 .250% .25%
KASASA Cash   (Non-qualifying) $25 $0 .010% .01%
Health Savings Account / HSA Checking $25 $100 .995% 1.00%
Traditional Checking, Student Checking $25 $500 .050% .05%
Prestige Checking $2,500 $2,500 .100% .10%
Reward Checking, Free Checking, and Flexible Checking   $25 N/A N/A N/A
Savings Account Rates
 Minimum
to Open
Minimum to
Earn Dividends
Dividend
Rate
APY*
Savings Account (Share Savings) $25 $500 .050% .05%
Christmas and Vacation Club $5 $100 .100% .10%
Kids Club and Smart Start Club $25 $25 .100% .10%
Kasasa® Saver   (Up to $20,000) $0 $0 .747% .75%
Kasasa® Saver   ($20,001 and up*) $0 $0 .250% .25%
Kasasa® Saver   (Non-qualifying) $0 $0 .010% .01%
Term Share Certificates
TermDividend
Rate
APY*
6 Month Certificate .200% .20%
7 Month Promotional Certificate** .698% .71%
12 Month Promotional Certificate** 1.736% 1.75%
1 Year Certificate .300% .30%
18 Month Promotional Certificate** 2.716% 2.75%
18 Month Certificate .349% .35%
24 Month Promotional Certificate** 2.813% 2.85%
2 Year Certificate .399% .40%
3 Year Certificate .399% .40%
4 Year Certificate .698% .70%
60 Month Promotional Certificate** .995% 1.00%
60 Month Promotional Certificate>10K**^ 2.960% 3.00%
5 Year Certificate .995% 1.00%

Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000

*Annual Percentage Yield (APY) rates are effective as of 10/17/18.  All rates are subject to change without notice. **Indicates rates are for New Money of $1,000 only. 7-Month Certificate will renew for a 6 Month term at the regular rate. **^Rate is valid for accounts with a minimum deposit requirement of $10,000.

Mini-Jumbo Certificates
TermDividend
Rate
APY*
1 Year Certificate .399% .40%
18 Month Certificate .449% .45%
2 Year Certificate .499% .50%
3 Year Certificate .499% .50%
4 Year Certificate .797% .80%
5 Year Certificate 1.094% 1.10%

Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99.

Jumbo Certificates
TermDividend
Rate
APY*
1 Year Certificate .499% .50%
18 Month Certificate .549% .55%
2 Year Certificate .598% .60%
3 Year Certificate .598% .60%
4 Year Certificate .896% .90%
5 Year Certificate 1.193% 1.20%

Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000.

Individual Retirement Account (IRA) - Term Share Certificates
 Dividend
Rate
APY*
7 Month Promotional IRA Certificate** .698% .71%
12 Month Promotional IRA Certificate ** 1.736% 1.75%
18 Month Promotional IRA Certificate** 2.716% 2.75%
24 Month Promotional IRA Certificate** 2.813% 2.85%
3 Year Certificate  .399% .40%
4 Year Certificate .698% .70%
60 Month Promotional IRA Certificate > 10K**^ 2.960% 3.00%

Minimum deposit of $250 is required to open an IRA Term Share Certificate. An average daily balance of $500 is required to earn dividends.  *Annual Percentage Yield (APY) rates are effective as of 10/17/18.  All rates are subject to change without notice. **Indicates rates are for New Money of $1,000 only. 7-Month Certificate will renew for a 6 Month term at the regular rate. **^Rate is valid for accounts with a minimum deposit requirement of $10,000.  Other terms and rates available including ROTH IRA Term Share Certificates and Coverdell Certificates.     

Individual Retirement Account (IRA) - Share Savings
Minimum to Earn Dividend Dividend
Rate
APY*
$25 to $4,999.99 .050% .05%
$5,000 to $9,999.99 .050% .05%
$10,000 to $24,999.99 .050% .05%
$25,000 to $49,999.99 .050% .05%
$50,000 and up .050% .05%

Minimum deposit of $25 is required to open an IRA Savings Account. An average daily balance of $25 is required to earn dividends.

Money Market Accounts
Minimum to Earn DividendDividend
Rate
APY*
$1,000 to $9,999.99 .050% .05%
$10,000 to $24,999.99 .100% .10%
$25,000 to $299,999.99 .150% .15%
$300,000 and up .200% .20%

Minimum deposit of $1,000 required to open a Money Market Account. Fees may reduce earnings.

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*Annual Percentage Yield (APY) rates are effective as of 10/17/2018. All rates are subject to change without notice.