Rates

Rates & Fee Schedule

Rates current as of 1/24/2024

Kasasa Cash Checking

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

See full disclosures

$0 – $15,000 (Qualified rate)

4.88

5.00

$25

$15,000.01 + (Qualified rate)

0.25

0.25

$25

Base Rate (non-qualified rate)

0.05

0.05

$25

Learn more about Kasasa Cash

Kasasa Cash Back Checking

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

Truth in Savings Disclosures

NA

NA

$25

Learn more about Kasasa Cash Back

Premium Checking

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

Truth in Savings Disclosures

NA

NA

$25

Learn more about Premium Checking

Share Savings

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
Truth in Savings Disclosures

Primary Share Savings

0.05

0.05

$5

$25*

Secondary Savings

0.05

0.05

--

--

Learn more about Share Savings

Kasasa Saver

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

See full disclosures

$0 – $15,000 (Qualified rate)

4.88

5.00

$5

$15,000.01 (Qualified rate)

0.25

0.25

$5

Base Rate (non-qualified rate)

0.05

0.05

$5

Learn more about Kasasa Saver

Money Market

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
See full disclosures

$0 – $9,999.99

0.25

0.25

$2,500

$2,500*

$10,000 – $49,999.99

0.50

0.50

$2,500

$2,500*

$50,000 – $99,999.99

1.00

1.00

$2,500

$2,500*

$100,000 – $249,999.99

1.24

1.25

$2,500

$2,500*

$250,000 +

1.49

1.50

$2,500

$2,500*

Learn more about Money Market Accounts

Savings IRA

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Min Daily Balance

*The minimum balance required to earn dividends
Truth in Savings Disclosures

0.10

0.10

$25

$100*

Learn more about IRAs

Certificate Accounts & IRA Certificates

Certificate Accounts

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

6 Month Certificate

$500 – $74,999.99

1.00

1.00

$500

 

Monthly

$75,000+

1.00

1.00

$500

Monthly

12 Month Certificate
SPECIAL

$500 – $74,999.99

5.37

5.50

$500

Monthly

$75,000+

5.37

5.50

$500

Monthly

18 Month Certificate

$500 – $74,999.99

1.24

1.25

$500

Monthly

$75,000+

1.24

1.25

$500

Monthly

 24 Month Certificate

$500 – $74,999.99

1.34

1.35

$500

Monthly

$75,000+

1.34

1.35

$500

Monthly

36 Month Certificate

$500 – $74,999.99

1.49

1.50

$500

Monthly

$75,000+

1.49

1.50

$500

Monthly

48 Month Certificate

$500 – $74,999.99

1.54

1.55

$500

Monthly

$75,000+

1.54

1.55

$500

Monthly

60 Month Certificate

$500 – $74,999.99

1.59

1.60

$500

Monthly

$75,000+

1.59

1.60

$500

Monthly

Add-On Certificate Rates

Add-On Certificates

Balance

Dividend Rate

Annual Percentage Yield

Min Opening Balance

Dividend Compounded and Credited

Truth in Savings Disclosures

Holiday Club Certificate
(matures November 1)

Up to $10,000 maximum balance

1.00

1.00

$10.00

Monthly

Tax Saver Certificate
(matures November 1)

Up to $10,000 maximum balance

1.00

1.00

$10.00

Monthly

Money Builder Certificate
(12-Month Term)

Up to $10,000 maximum balance

1.00

1.00

$10.00

Monthly

Easy Saver Certificate
(12-Month Term)

1.00

1.00

$10.00

Monthly

Learn more about Certificate Accounts

Rates current as of 9/1/2023

Autos (New & Used)

Term

Annual Percentage Rate

Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+

Rate Adjustments
Loan to Value: Below 80%: -0.5%  |  81%-100%: Base rate  |  101% & Above: +0.5%
No Automatic Payment: +0.25%  | Mileage above 125,000 miles: +1%
Trailhead Rewards: -0.25%  | Green Auto: -0.25%
Value is based on sales price of KBB/MSRP for new, whichever is less

Floor Rate is 2.49%

Up to 84 months

7.74% – 18.00%

Learn more about Auto Loans

Apply Online
Motorcycles (New & Used)

Term

Annual Percentage Rate

Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-84 months is $10,000+

Rate Adjustments
Loan to Value: Below 80%: -0.5%  |  81%-100%: Base rate  |  101% & Above: +0.5%
No Automatic Payment: +0.25%  | Vehicle Age (7-20 years): +2%  |  Trailhead Rewards: -0.25%
Value is based on sales price of KBB/MSRP for new, whichever is less

Floor Rate is 2.49%

Standard (60 months or less)

8.24% - 18.00%

Extended (61-84 months)

8.74% - 18.00%

Apply Online
Boats, RVs & Travel Trailers (New & Used)

Term

Annual Percentage Rate

Maximum loan amounts per term: up to 84 months is $5,000 – $9,999,99; 85-120 months is $10,000-$19,999.99; 121-180 months is $20,000+

Rate Adjustments
Loan to Value: Below 80%: -0.5%  |  81%-100%: Base rate  |  101%-105%: +0.5%
No Automatic Payment: +0.25%  | Vehicle Age (10-20 years): +2%  |  Trailhead Rewards: -0.25%
Value is based on sales price of KBB/MSRP for new, whichever is less

Floor Rate is 2.49%

84 months or less

8.49% - 10.74%

85-120 months

8.74% – 14.24%

121-180 months

9.49% – 16.24%

Learn More About Boat & RV Loans

Apply Online
Bike Loan

Term

Annual Percentage rate

$350 min, $2500 max loan amount
New purchases

Up to 12 months

11.50% – 18.00%

Learn more about bike loans

Apply Online
ATVs, Snowmobiles, Personal Watercraft (New & Used)

Term

Annual Percentage Rate

Up to 100% LTV

Up to 24 months

9.00% – 18.00%

25-36 months

9.25% – 18.00%

37-48 months

9.50% – 18.00%

Learn more about ATV, snowmobile, and personal watercraft loans

Apply Online

Rates current as of 3/14/24

Floating Home Loan

Term

Annual Percentage Rate

1% loan origination fee
Member pays third party closing costs
Purchase or refinance

15 year

7.00% – 9.25%

7 year balloon 

(30 year amortization)

7.50% – 9.75%

Learn more about floating home loans

Apply Online
Home Equity Loan – 1st Lien (Home Loan Refinance)

Term

Rate

Annual Percentage Rate

Refinance your existing mortgage
APR = Annual Percentage Rate. Rates include a 0.75% loan origination fee. Based on $200,000 loan with 20% down. Rates are subject to change without notice. Member pays third party closing costs.
Up to 90% LTV

15 year

6.625% – 8.75%

6.825% – 8.963%

7 year balloon
(30 year amortization)

7.25% – 8.875%

7.488% –9.123%

Learn more about a Home Equity Loan

Apply Online
Mortgage Loans*

Rate

Annual Percentage Rate

*Mortgage Loans for home purchases offered through our partner, Consolidated Community Credit Union.

APR = Annual Percentage Rate. Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice.

Fixed Rate - 30 Year

6.625%

6.834%

Fixed Rate - 15 Year

6.000%

6.197%

Adjustable Rate - 7 Year

6.750%

7.604%

Adjustable Rate - 10 Year

6.875%

7.669%

Apply Online
Home Equity Loan – 2nd Lien

Term

Annual Percentage Rate

Members pays third party closing costs
Up to 100% LTV

10 years

8.625% – 9.125%

15 years

9.125% – 10.375%

Learn more about a Home Equity Loan

Apply Online
Equity Options Line of Credit

Term

Annual Percentage Rate

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling.

Trailhead will pay standard set up costs up to $400 including a desktop appraisal (for primary residences only). If the line is closed within 3 years, the member will be required to reimburse those costs at the time of closing. If a full appraisal or other non-standard costs are necessary, borrower will be responsible for those charges.

15 year amortization with 10 year draw

8.00% – 12.50% variable

Learn more about a Home Equity Line of Credit

Apply Online
Floating Home Equity Line of Credit

Term

Annual Percentage Rate

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 3.75% floor; 18% ceiling.

Member pays third party closing costs.

15 year amortization with 10 year draw

9.50% - 10.00% variable

Apply Online

Rates current as of 9/1/2023

Visa Credit Card

Card

Purchase and Cash Advance APR

Balance Transfer APR

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.

Platinum Credit Card

13.50% – 18.00% Variable

10.50% - 18.00% Variable

Rewards Credit Card

14.50% – 18.00% Variable

11.50% - 18.00% Variable

Secured Credit Card

13.50% Variable

10.50% Variable

Learn More About Visa Credit Cards

Apply Online
Personal Loan

Term

Annual Percentage Rate

Up to 48 months

14.00% – 18.00%

Learn more about personal loans

Apply Online
Flexline Personal Line of Credit

Term

Annual Percentage Rate

Repayment is $25 per $1000 (or any portion thereof) of the outstanding balance at the time of the last advance

Variable rate is based on the Prime rate as published in the Wall Street Journal on the first day of the month and subject to change on the first day of the following month. 18% ceiling.

Revolving

14.50% – 18.00% Variable

Learn more about Flexline personal lines of credit

Apply Online
Share, Money Market & Certificate Secured Loans

Annual Percentage Rate

No credit report required

Help build credit history

Share and Money Market Secured

3.50% above the dividend rate
Variable

Certificate Secured

3.50% above the certificate rate

Apply Online

Rates current as of 3/15/2023

Business Savings & Checking Account Rates

Business Savings & Checking

Dividend Rate

APY*

Min Opening Balance

Min Daily Balance

Min Balance to Avoid Fee

Monthly Fee if Below Minimum

*Annual Percentage Yield
**The minimum balance required to earn interest

Dividend Compounded and Credited on a monthly basis. Dividend period is monthly.

Truth in Savings Disclosures

Business Savings

.10

.10

$5

$5**

---

---

Business Money Market
$2,500 – $9,999.99
$10,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 +


0.25
0.50
1.00
1.24
1.49


0.25
0.50
1.00
1.25
1.50

 

 

 

$2,500

 

 

 

$2,500**

 

 

 

---

 

 

 

---

Business Checking
$0.00 – $2,499.99
$2,500 – $9,999.99
$10,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $249,999.99
$250,000 +


0.05
0.05
0.05
0.05
0.05
0.15


0.05
0.05
0.05
0.05
0.05
0.15

 

 

 

$100

 

 

 

---

 

 

$2500 Average Daily Balance

 

 

 

$5

Learn more about business accounts

Business Certificate Accounts

Certificate Accounts

Balance

Dividend

APY*

Min Opening Balance

Dividend Compounded and Credited

*Annual Percentage Yield
Truth in Savings Disclosures

6 Month Certificate

$500 - $74,999.99

1.00

1.00

$500

Monthly

$75,000 +

1.00

1.00

$500

Monthly

12 Month Certificate

$500 - $74,999.99

1.24

1.25

$500

Monthly

$75,000 +

1.24

1.25

$500

Monthly

18 Month Certificate

$500 - $74,999.99

1.24

1.25

$500

Monthly

$75,000 +

1.24

1.25

$500

Monthly

24 Month Certificate

$500 - $74,999.99

1.34

1.35

$500

Monthly

$75,000 +

1.34

1.35

$500

Monthly

36 Month Certificate

$500 - $74,999.99

1.49

1.50

$500

Monthly

$75,000 +

1.49

1.50

$500

Monthly

48 Month Certificate

$500 - $74,999.99

1.54

1.55

$500

Monthly

$75,000 +

1.54

1.55

$500

Monthly

60 Month Certificate

$500 - $74,999.99

1.59

1.60

$500

Monthly

$75,000 +

1.59

1.60

$500

Monthly

Business Fee Schedule

General Services

Fee

GENERAL ACCOUNT

Account Activity Research (per hour minimum)

$25.00

Bad Address on Statement (per statement)

$5.00

Cashier’s Check

$5.00

Duplicate Member Statement / Inquiry Printout

$4.00

Collection Items

$40.00

IRS Levy/Garnishments

$50.00

FOREIGN

Canadian Checks

$20.00

Foreign Bank Drafts (foreign currency)

$35.00

Foreign Bank Drafts (US dollars)

$20.00

TRANSFER/WIRE

Wire Transfers (incoming)

$10.00

Wire Transfers (outgoing domestic)

$20.00

Wire Transfers (outgoing international)

$40.00

Checking & Savings Accounts

Fee

Business Checking (per month if average daily balance falls below $2,500)

$5.00

BillPay (monthly)

$12.00

NSF Second-Party Check

$25.00

Non-Sufficient Funds (NSF) Fee (Paid or Returned)

$30.00

Overdraft Protection Transfer

$5.00

Stop Payment Order

$28.00

ATM & Card Services

Replacement Card (ATM/Debit/Credit)

$6.00

Miskeyed ATM Deposits – Each

$10.00

Effective September 15, 2022

Fee Schedule

General Account

Fee

*Inactive/Dormant fees not charged on accounts with $200 or more on deposit.

NSF = Non-Sufficient Funds
ACH = Automated Clearing House

Account Activity Research (per hour minimum)

$25

Bad Address on Statement (per statement)

$5

Cashier’s Check

$5

Duplicate Member Statement / Inquiry Printout

$4

IRS Levy/Garnishments

$50

Notary Service for Non-members

$5

FOREIGN

Canadian Checks

$20

Foreign Bank Drafts (foreign currency)

$35

Foreign Bank Drafts (US dollars)

$20

Foreign Transaction Fee for any card transaction made in a foreign country

1% of the transaction amount

BOND

Bond/Coupon Returned Item Fee

$45

Municipal Bond Collection Fee

$60

TRANSFER/WIRE

Wire Transfers (incoming)

$10

Wire Transfers (outgoing domestic)

$20

Wire Transfers (outgoing international)

$40

Checking & Savings Accounts

Account Reopening Fee

$25

Check Withdrawal (for checks we make out on your behalf)

$3

Courtesy Pay Fee

$30

Dormant Account Fee – Per Month (no activity for 18 months)

$5*

Inactive Checking Account Fee – Per Month (no activity for 90 days)

$5*

Investor Checking (per month if average daily balance falls below $2500)

$6

NSF Second-Party Check

$25

Non-Sufficient Funds (NSF) Fee (Paid or Returned)

$30

Overdraft Protection Transfer

$5

Single Service Fee (Share Savings Only Below $100) per month

$10

Stop Payment Order

$28

Temporary Checks (first 8 free)

$2 per sheet of 8

ATM & Card Services

Replacement Card (ATM/Debit/Credit)

$6

Miskeyed ATM Deposits – Each

$10

Card Express Shipping

$35

Loans

Check/Card by phone payment

4%

Real Estate Payoff Quote

$30

Subordination Fee

$150

Skip Pay

$35