APY = Annual Percentage Yield. Rates and APYs accurate as of October 15, 2019.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Kasasa Cash®* Learn More

Balance Rate APY
0 to $10,000 2.96% 3.00%
$10,000+ 0.49% 3.00% to 0.73%
All balances if qualifications not met 0.05% 0.05%

Qualifications to Earn Rewards

In fact, you’re probably already doing it. 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:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver®* Learn More

Balance Rate APY
0 to $20,000 1.00% 1.00%
$20,000+ 0.50% 1.00% to 0.58%
All balances if qualifications not met 0.05% 0.05%

Qualifications to Earn the Higher Rate

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:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Health Savings Account (HSA) Learn More

Balance Interest Rate APY
$10.00 - $999.99 0.25% 0.00% - 0.25%
$1,000 - $9,999.99 0.50% 0.25% - 0.48%
$10,000 - $24,999.99 1.15% 0.48% - 0.88%
$25,000+ 1.25% 0.88% - 1.26%

Health Savings Accounts are for eligible individuals for the purpose of paying for qualified medical expenses. Our HSA is a tiered-rate checking account that pays higher rates if you maintain a higher balance.  See our Electronic Funds Transfer (EFT) Agreement and Disclosure for information regarding HSA Debit Card privileges. See our HSA Information packet for additional eligibility information, terms and conditions.

Flex Savings Learn More

Balance Interest Rate APY
$10.00 - $9,999.99 0.10% 0.10%
$10,00.00 - $49,999.99 0.25% 0.25%
$50,000.00 - $99,999.99 0.50% 0.50%
$100,000.00 - $249,999.99 0.75% 0.75%
$250,000.00 - $999,999.99 1.00% 1.02%
$1,000,000.00 - $4,999,999.99 0.50% 0.50%
$5,000,000.00+ 0.00% 0.00%

A tiered statement-savings account that pays higher rates if you maintain a higher balance. You must deposit $10.00 to open this account and maintain a minimum daily balance of $10.00 to earn interest and the stated APY. A service charge of $2.00 will be imposed on every month that the Average Daily Balance in the account for the month falls below $200.00. This fee is waived if the primary account holder is under the age of 18.

Christmas Club Learn More

Minimum Opening Deposit Interest Rate APY
$5.00 0.10% 0.10%

Have an interest rate of 0.10% and an APY of 0.10% You must deposit $5.00 to open this account and maintain a minimum daily balance of $10.00 to earn interest and the stated APY.

Certificates of Deposit (CDs) Learn More

Term IRA/Roth? Interest Rate APY
32 Days No 0.10% 0.10%
91 Days No 0.10% 0.10%
182 Days Yes 0.20% 0.20%
12 Months Yes 0.50% 0.50%
15 Months Yes 0.50% 0.50%
22 Months Yes 0.50% 0.50%
24 Months Yes 0.50% 0.50%
30 Months Yes 0.75% 0.75%
36 Months Yes 0.75% 0.75%
48 Months Yes 0.75% 0.75%
60 Months Yes 0.75% 0.75%

Certificate of Deposit Accounts and Individual Retirement Account CDs feature daily interest compounding and require a minimum deposit of $1,000.00 (unless otherwise noted) to open the account and obtain the stated Annual Percentage Yield. There is a penalty for early withdrawal.

Auto Loans Learn More

Term (up to) Interest Rate Auto Loan Type APR
5 Years 5.000% For vehicles 2017 and newer 5.00%
5 Years 5.500% For vehicles 2015 to 2016 5.50%
4 Years 7.250% For vehicles 2010 to 2014 7.25%

Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.

Recreational Vehicle Loans Learn More

Type Term (up to) Interest Rate Auto Loan Type APR
ATV’s & Motorcycles 5 Years 6.00% 2017 and newer 6.00%
ATV’s & Motorcycles 4 Years 6.50% 2016 to 2010 6.50%
RV's & Boats 5 Years 8.75% 2017 and newer 8.75%
RV's & Boats 4 Years 9.00% 2016 to 2010 9.00%

Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.

Personal Loans Learn More

Term (up to) Interest Rate Unsecured, Fixed Rate Installment Loans APR
3 Years 9.250% $2,500 Minimum loan amount 9.25%
5 Years 10.250% $2,500 Minimum loan amount 10.25%

Rates are subject to change at any time without notice. For a more specific quote, please contact a loan originator at 607-324-1822 or apply online today.