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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of February 1, 2018. Fees may reduce earnings.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $10,000 | 2.23% | 2.25% |
| $10,000+ | 0.15% | 2.25% to 0.36% (depending on the balance) |
| All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
To earn your rewards, 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:
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 dividend rate. Plus, you can get back to earning really high dividends and ATM withdrawal fee refunds the very next month.
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $10,000 | 0.25% | 0.25% |
| $10,000+ | 0.25% to 0.16% | 0.25% to 0.16% |
| Qualifications not met | 0.03% | 0.03% |
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:
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| Dividend Rate | APY |
|---|---|
| 0.40% | 0.40% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999.99 | 0.249% | 0.250% |
| $5,000 - $14,999.99 | 0.349% | 0.350% |
| $15,000 - $49,999.99 | 0.399% | 0.400% |
| $50,000+ | 0.449% | 0.450% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.15% | 0.15% |
| $2,500+ | 0.25% | 0.25% |
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 (Bump) | 0.30% | 0.30% |
| $2,500+ (Bump) | 0.40% | 0.40% |
| $0 - $2,499.99 (Standard) | 0.20% | 0.20% |
| $2,500+ (Standard) | 0.30% | 0.30% |
| Dividend Rate | APY |
|---|---|
| 0.10% | 0.10% |
| Share Type | Minimum Opening Balance | Minimum Balance to Avoid Fees | Rate % | Yield % |
|---|---|---|---|---|
| Business Savings | $5 | $500 | 0.200% | 0.200% |
| Business All-Purpose Share | $5 | $500 | 0.200% | 0.200% |
| Business Savings Non-Profit | $5 | $100 | 0.200% | 0.200% |
| Business All-Purpose Share Non-Profit | $5 | $100 | 0.200% | 0.200% |
| Business Draft $0 - $2,499.99 | $0 | $500 | 0.150% | 0.150% |
| Business Draft $2,500+ | $0 | $500 | 0.250% | 0.250% |
| Business Draft Non-Profit $0 - $2,499.99 | $0 | $100 | 0.150% | 0.150% |
| Business Draft Non-Profit $2,500+ | $0 | $100 | 0.250% | 0.250% |
| Capital MMA $0 - $999.99 | $0 | $1,000 | 0.000% | 0.000% |
| Capital MMA $1,000 - $4,999.99 | $0 | $1,000 | 0.249% | 0.250% |
| Capital MMA $5,000 - $14,999.99 | $0 | $1,000 | 0.349% | 0.350% |
| Capital MMA $15,000 - $49,999.99 | $0 | $1,000 | 0.399% | 0.400% |
| Capital MMA $50,000.00+ | $0 | $1,000 | 0.449% | 0.450 |
| Term | Dividend Rate | APY |
|---|---|---|
| 90 Days | 0.299% | 0.300% |
| 6 Months | 0.399% | 0.400% |
| 12 Months | 0.598% | 0.600% |
| 18 Months | 0.648% | 0.650% |
| 24 Months | 0.697% | 0.700% |
| 30 Months | 0.747% | 0.750% |
| 36 Months | 0.995% | 1.000% |
| 48 Months | 1.391% | 1.400% |
| 60 Months | 1.489% | 1.500% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 12 Months | 0.598% | 0.600% |
| 24 Months | 0.697% | 0.700% |
| 30 Months | 0.747% | 0.750% |
| 36 Months | 0.995% | 1.000% |
| 48 Months | 1.391% | 1.400% |
| 60 Months | 1.489% | 1.500% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 24 Months | 0.697% | 0.700% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| Term | Dividend Rate | APY |
|---|---|---|
| 24 Months | 0.697% | 0.700% |
Penalty for early withdrawal. For account details, refer to the Truth-In-Savings Disclosure for these products.
| *Promo: Take Us for a Spin! | Up to 60 Months | Rates as low as 2.49% |
|---|---|---|
| New Vehicles | 48 Months | 2.24% |
| New Vehicles | 60 Months | 2.49% |
| Used Vehicles | 48 Months | 2.24% |
| Used Vehicles | 60 Months | 2.49% |
| New and Used RVs and Boats | 60 Months | 4.99% |
| New and Used RVs and Boats | 72 Months | 5.24% |
| New and Used RVs and Boats | 120 Months | 5.99% |
| New Off-Road Vehicles | 48 Months | 7.49% |
| Used Off-Road Vehicles | 48 Months | 8.24% |
| Term | Rate |
|---|---|
| Personal Loan | 9.50% |
| First Line (Line of Credit) | 6.75% |
| *Promo: 7-year Home Equity Loan | Rates as low as 3.99% |
|---|---|
| Term | Rate |
| Up to 60 Months | 3.99% |
| 61 - 120 Months | 4.49% |
| 121 - 180 Months | 4.74% |
| Term | Rate |
|---|---|
| 120 Months | 5.25% |
| Credit Card Types | Rate |
|---|---|
| Visa Platinum Credit Card (Introductory Rate*) | 2.99% |
| Visa Platinum Credit Card (After Introductory Rate) | 9.49% to 17.49% |
| VISA Signature Rewards | 11.49% to 18.00% |
| VISA Secured | 15.49% |
| VISA Business Rewards | 11.49% to 18.00% |
Based on creditworthiness. The APR will vary with the market based on the Prime Rate. Introductory purchase rate of 2.99% APR for first 6 months. After 6 months, 8.99% to 16.99% APR. Introductory balance transfer rate of 2.99% APR for first 15 months. After 15 months, 8.99% to 16.99% APR.
*Introductory rate lasts for 6 months on purchases and 15 months on balance transfers
