Rates effective as of October  1, 2018.

Rates may change after accounts are opened. Fees may reduce earnings.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Checking
Account Balance Dividends Minimum Opening Deposit
Kasasa Cash* ** $0.01 - $15,000 2.510% APY $25
Kasasa Cash* ** $15,000 and up 2.50 - 0.76% APY $25
Kasasa Cash* ** Non-qualifying 0.05% APY $25
Share Draft/Checking Accounts $10,000.01 and up 0.10% APY $25

* All members are required to have eDocuments to open and/or maintain any Kasasa account with Family Savings.

** Kasasa Cash Account requires no minimum balance to earn rewards. Dividends are compounded and credited monthly to the account. QUALIFYING: Kasasa Cash accounts must meet the following criteria to receive highest rate dividends and ATM fee refunds:

  • Have at least 10 debit card transactions post and clear during the cycle
  • You must keep the credit union informed of your current e-mail address
Savings
Account Balance Dividends Minimum Opening Deposit
Kasasa Saver* ** $0.01 - $15,000 1.25% APY $5
Kasasa Saver* ** $15,000.01 and up 1.25% - 0.60% APY $5
Kasasa Saver* ** Non-qualifying 0.05% APY $5
Regular Share Savings $2,000.01 - $10,000 0.20% APY $5
Regular Share Savings $10,000.01 and up 0.30% APY $5
Christmas Club Accounts $1 0.20% APY $1 in-branch

* All members are required to have eDocuments to open and/or maintain any Kasasa account with Family Savings.

** Kasasa Saver is an account that is an add-on to Kasasa Cash. The money you earn in Kasasa Cash will sweep into Kasasa Saver. Dividends are compounded and credited monthly to the account. QUALIFYING: You MUST QUALIFY in the Kasasa Cash Account to earn the higher rate dividends in the Kasasa Saver account.

Share Certificates
Term Minimum Opening Deposit Dividend Rate APY
180 Days** $500 1.00% 1.00%
12 Months*** $500 1.60% 1.61%
24 Months*** $500 1.70% 1.71%
36 Months*** $500 2.00% 2.02%
48 Months*** $500 2.10% 2.12%
60 Months*** $500 2.50% 2.52%

IRA Withholding Notice (PDF)

** Dividends compounded at maturity
*** Dividends compounded quarterly. Penalty for early withdrawal.

IRA Share Accounts
Balance Tier Minimum Opening Deposit Dividend Rate APY
$0.01 - $2,000*** $100 0.15% 0.15%
$2,000.01 - $10,000*** $100 0.35% 0.35%
$10,000.01 and above*** $100 0.45% 0.45%

*** Dividends compounded quarterly. Rates may change after the account is opened. Fees may reduce earnings.

Mortgages
Type of Mortgage Rate APR Points Term
First Mortgage Fixed Real Estate Loans 5 Year 5.00% APR
10 Year 5.15% APR
15 Year 5.25% APR

0
Terms up to 15 years
Second Mortgage Fixed Real Estate Loans 6.75% APR 0 5 Year Fixed
Construction Loans 5.25% APR
(Based on Prime Rate
- Minimum of 5%)
0 Contact CU for terms

Loans
Loans Rate APR Term
New/ Newer Autos
(current year model to 2 years)
2.75% -17.50% APR
Rates subject to credit score, loan term, collateral age/Mileage
2.75% - 17.50% up to 84 months
Used Autos 3.25% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
3.25% - 17.50% up to 84 months
Personal Loans 8.00% -17.50% APR
Rates subject to credit score.
8.00% - 17.50% See CU for terms
Boat/ Motorhome/ Travel Trailer/ Camper 3.75% -17.50% APR
Rates subject to credit score,
loan term, collateral age/Mileage
3.75% - 17.50% up to 144 months
Motorcycles/ ATV/ Personal Watercraft/ Tractors 3.75% -17.50% APR
Rates subject to credit score, loan term, collateral age/mileage
3.75% - 17.50% up to 84 months
Credit Cards 9.00% -19.50% APR
Rates subject to credit score
9.00% - 19.50% Credit Card Terms (PDF)


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