APY = Annual Percentage Yield. Rates effective as of June 27, 2016. Fees may reduce earnings.

Your final rate may be different than what is shown above. Rates are subject to change without notice. For up-to-date rates, simply call us at (305) 592-7733 or (800) 782-3630.

Kasasa Cash* See Details

Balance Rate APY
$0 - $10,000 2.47% 2.50%
$10,000+ 0.25% 2.50% - 0.45%
All balances if qualifications not met 0.01% 0.01%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) credit or 1 ACH debit post and settle

Share Certificates See Details

Term of Certificate Rate APY Minimum
6 Months 0.45% 0.45% $1,000.00
9 Months 0.50% 0.50% $1,000.00
9 Months Jumbo 0.65% 0.65% $5,000.00
9 Months Super Jumbo 0.75% 0.75% $25,000.00
12 Months 0.50% 0.50% $1,000.00
18 Months 0.50% 0.50% $1,000.00
24 Months 0.65% 0.65% $1,000.00
36 Months 1.00% 1.00% $1,000.00
60 Months 1.90% 1.91% $1,000.00

Dividends are paid quarterly and calculated on average daily balance. Rates are effective as of October 3, 2016 and are subject to change at any time without notice.

Savings/ Club Accounts/IRA (Traditional, Roth and Coverdell)

Share Type Rate APY
Regular Shares3 0.40% 0.40%
Youth Shares 0.40% 0.40%
Club Accounts 0.40% 0.40%
IRAs2 1.25% 1.26%

Dividends are paid quarterly and calculated on average daily balance. If you close your account before dividends are paid, you will not receive the accrued dividends. Rates are effective as of  October 3, 2016 and are subject to change at any time without notice.

2 Minimum opening balance of $1.00.

3 Minimum $5.00 balance required.

Loan Rates

Type of Loan Term % over Index APR (as low as)
Signature Line of Credit1 24-60 Months N/A 14.23%
New Automobile1 24-72 Months N/A 1.99%
Used Automobile1 24-72 Months N/A 2.25%
New Recreational Vehicle1 24-84 Months N/A 9.00%
Used Recreational Vehicle1 24-60 Months N/A 11.50%
New Boat1 24-240 Months N/A 3.99%
Used Boat1 24-180 Months N/A 4.99%
New Jet Ski1 24-60 Months N/A 3.99%
Used Jet Ski1 24-60 Months N/A 4.99%
New Motorcycle1 24-48 Months N/A 8.50%
Used Motorcycle1 24-36 Months N/A 9.50%
Share Secured N/A 0.40 4.5%
Certificate Secured N/A N/A 4.5%

1FOR FIXED RATE LOANS: The ANNUAL PERCENTAGE RATE you receive for the fixed rate loans may be as low as the rate listed above. Your actual rate is based on your credit rating. Auto rates above may not  include all available discounts. You will be provided the rate for which you qualify when your loan is approved. Rates are subject to change at any time without notice.

FOR VARIABLE RATE SHARE SECURED: The ANNUAL PERCENTAGE RATE(APR) for existing balances and new advances for share-secured advances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the dividend rate being paid on regular shares. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will take the form of more payments of the same amount.

FOR VARIABLE RATE CERTIFICATE SECURED: The ANNUAL PERCENTAGE RATE(APR) for existing balances and new advances for certificate-secured advances will be determined by adding the amount shown above in the "% Above Index" column to the Index. The Index is the dividend rate being paid on the certificate securing the loan. The rate is subject to change quarterly to reflect any change in the index. Any increase in the APR will result in an increased payment due at certificate maturity.

CONSUMER LOAN LATE CHARGE: If you are 15 or more days late, you will be charged 5% of the monthly payment not to exceed $20.00.

COLLECTION COSTS: You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs, reasonable attorney fees and the costs of any appeal by the credit union.

Home Equity See Details

Type of Loan Term % over Index APR (as low as)
Home Equity Fixed 10 years N/A 6.25%
Home Equity Variable1 15 years Prime N/A
Home Equity Fixed 7 years N/A 5.75%
Home Equity Fixed-Variable2 15 years N/A  6.75%

For loan amounts between $10,000.00 and $24,999.00 member pays closing cost.
For loan amounts between $25,000.00 and $100,000.00 credit union pays closing cost.
However, if the loan is satisfied within TWO years of acquisition, the member shall be charged a Pre-Payment Penalty totaling the amount of the closing cost.
For the Fixed-Variable Rate Program if the loan is satisfied within THREE years if acquisition the member shall be charged a Pre-Payment Penalty totaling the amount of the closing cost.

FIXED RATE & ADJUSTABLE RATE COMBINED LOAN-TO-VALUE

  • 80% of appraised value when added to existing 1st mortgage balance on Single Family Homes
  • 75% of appraised value when added to existing 1st mortgage balance on Fixed Variable rate.
  • 75% of appraised value when added to existing 1st mortgage balance on Townhouses.
  • 75% of appraised value when added to existing 1st mortgage balance on Condos & Duplexes.

HOME EQUITY FIXED: The maximum maturity shall not exceed ten years, and the minimum loan amount shall be $10,000.00 and the maximum loan amount shall not exceed $100,000.00 providing there is sufficient equity on the property. Rates are subject to change at any time without notice.

1HOME EQUITY VARIABLE: The ANNUAL PERCENTAGE RATE is based on the Prime rate as of the day of closing, as set forth in the WALL STREET JOURNAL. The rate may be adjusted either up or down quarterly. However, the floor is 4.00% and the yearly cap on the loan is 4.00% per year. The interest rate shall have a ceiling of not more than 18% over the life of the loan. The minimum loan amount shall be $10,000.00 and the maximum $100,000.00. The initial advance shall be in the amount of $5,000.00; with a minimum of $1,000 for each subsequent advance.

2HOME EQUITY FIXED-VARIABLE: The ANNUAL PERCENTAGE RATE shall be fixed for the first three years of the loan. After the three years the loan becomes variable and it is adjusted quarterly the same as "THE HOME EQUITY VARIABLE PROGRAM". The total loan term shall not exceed 15 years and the minimum loan amount shall be $25,000.00. The pre-payment penalty applies for loans satisfied within the first three years of acquisition. Maximum Combined Loan to Value shall be not more than 75%.