Rates

APY = Annual Percentage Yield

Rates effective as of March 15, 2013.


Checking Accounts

Kasasa Cash*

Tier AmountInterest RateAPY
$0 to $10,0002.47%2.50%
$10,000 and higher depending on balance in account*0.30%2.50% to 0.50%
Entire balance if qualifications are not met0.01%0.01%

Qualifications:

  • Have at least 10 posted debit card purchases post and settle
  • Have at least 1 automatic payment or direct deposit post and settle
  • Be enrolled and receive free paperless eStatement notice

GoldStar Checking

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$0 to $2,499.990.00%0.00%
$2,500.00 to $9,999.990.03%0.03%
$10,000.00 to $24,999.990.03%0.03%
$25,000.00 to $49,999.990.08%0.08%
$50,000.00 to $99,999.990.13%0.13%
$100,000.00 and higher0.18%0.18%

Prestige 50 Club Checking

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$1,000.00 and higher0.05%0.05%

Business Interest Checking

Minimum opening balance $100.00.

Tier AmountInterest RateAPY
$2,500.00 and higher0.030.03%

Savings Accounts

Kasasa Saver*

Tier AmountInterest RateAPY
$0 to $5,0001.24%1.25%
$5,000 and higher depending on balance in account*0.30%1.25% to 0.35%
Entire balance if qualifications are not met0.01%0.01%

Qualifications:

  • Have at least 10 posted debit card purchases post and settle
  • Have at least 1 automatic payment or direct deposit post and settle
  • Be enrolled and receive free paperless eStatement notice


Regular, Student, and Moola Moola Club Savings minimum opening balance is $25.00.

Account TypeInterest RateAPY
Regular Savings0.03% 0.03%
Student Savings0.05%0.05%
Moola Moola Club0.05%0.05%
Christmas Club0.03%0.03%
Vacation Club0.03%0.03%

Health Savings Accounts

Minimum opening balance $25.00.

Tier AmountInterest RateAPY
$0 to $999.990.05%0.05%
$1,000.00 to $4,999.990.05%0.05%
$5,000.00 to $9,999.990.10%0.10%
$10,000.00 and higher0.15%0.15%

Money Market Deposit Accounts

Minimum opening balance $50.00.

Tier AmountInterest RateAPY
$0 to $9,999.990.03%0.03%
$10,000.00 to $24,999.990.03%0.03%
$25,000.00 to $49,999.990.08%0.08%
$50,000.00 to $499,999.990.13%0.13%
$500,000.00 and higher0.18%0.18%

Certificates of Deposit (CDs) & Fixed Rate IRAs

Substantial Penalty for Early Withdrawal.

TermMinimum Interest RateAPY
90 days$500.000.05%0.05%
6 months$500.000.10%0.10%
12 months$1,000.000.20%0.20%
18 months$1,000.000.23%0.23%
24 months$1,000.000.29%0.29%
30 months $1,000.000.33%0.33%
36 months$1,000.000.37%0.37%
48 months$1,000.000.52%0.52%
60 months$1,000.000.87%0.87%

Variable Rate Individual Retirement Accounts (IRAs)

Additions may be made to the Retirement account in $100.00 increments. Rate is tied to the regular 60 month CD rate. Rate will change every six months. May take distributions any time during the year without forfeiture of interest. Anytime the account is closed out and customer is taking the lump sum or transferring it out of the Bank, there is a termination fee of $25.00.

MinimumInterest RateAPY
$100.000.87%0.87%