Start savings now - enjoy your savings later
Prepare for the holidays, or another occasion, with a dedicated savings account.
Benefits You'll Love
- Funds dispersed automatically for the holidays
- Competitive interest on entire balance
- Digital banking for on-the-go
- No minimum balance to earn
- Set aside little by little, year-round for holiday-related expenses
- Avoid holiday-induced debt and stress
- Competitive interest on entire balance
- No monthly service fee
- No minimum balance requirements
- Make deposits at any time, in any amount you feel comfortable with
- Direct deposit available
- Automatic payroll deduction
- Deposit via mail
- Deposit at any branch
- Funds automatically transferred to your primary share account on November 1st
- Account remains open after funds are released
- Early withdrawal may result in a fee of all accrued, uncredited dividends on the account and your account will be closed
- Free digital banking services, including:
- No minimum deposit to open
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle Loans
| Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
|---|---|---|---|
| New (2025 - 2024) | 4.99% | 5.49% | 5.74% |
| Used (2025 - 2021) | 5.24% | 5.74% | 5.99% |
| Used (2010 - 2019) | 5.79% | 6.04% | 7.24% |
| Used (2018 and older) | 6.84% | 7.64% | N/A |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
For motorcycles, add 1.00% to the base auto loan rate.
Payment Example: New auto loan of $20,000 for 60 months at 5.24% APR will have a monthly payment of $380.
Payment Example: New auto loan of $30,000 for 72 months at 5.49% APR will have a monthly payment of $490
Cash Secured Loans
| Loan Type | APR |
|---|---|
| Savings Secured Loan | 3.30% above pledged shares |
| Certificate (CD) Secured Loan | 2.30% above pledged certificate |
CD/Share Certificates
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 3.93% 3.93% 3.93% 3.78% 3.45% 3.20% 2.96% |
4.00% 4.00% 4.00% 4.00% 3.85% 3.50% 3.25% 3.00% |
| Jumbo Certificates 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.02% 4.02% 4.02% 3.88% 3.54% 3.30% 3.06% |
4.10% 4.10% 4.10% 4.10% 3.95% 3.60% 3.35% 3.10% |
| Youth Account Certificates 6 Month 12 Month 24 Month |
$500.00 $500.00 $500.00 |
3.93% 3.93% 3.78% |
4.00% 4.00% 3.85% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Credit Cards
| Loan Type | APR |
|---|---|
| MasterCard Rewards Card $25 Annual Fee, 25 Day Grace Period |
As low as 15.99% |
| MasterCard Platinum Card No Annual Fee, 25 Day Grace Period |
As low as 13.00% |
| Cash Secured Card No Annual Fee, 25 Day Grace Period |
As low as 13.50% |
Deposit Accounts
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Prime Checking $1,000.00 |
$25.00 |
$1000.00 |
0.20% |
0.20% |
Home Loans
Please contact Ladana Inkman for an interest rate quote: 469-774-2020 or email: [email protected]
IRA Certificates
| Term | Minimum Balance | Dividend Rate | APY |
|---|---|---|---|
| 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 3.93% 3.78% 3.45% 3.20% 2.96% |
4.00% 4.00% 3.85% 3.50% 3.25% 3.00% |
| Jumbo Certificates 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.02% 3.88% 3.54% 3.30% 3.06% |
4.10% 4.10% 3.95% 3.60% 3.35% 3.10% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Kasasa Cash*
| Balance | Rate | APY |
|---|---|---|
| $5 - $25,000 | 4.89% | 5.00% |
| $25,000+ | 0.76% | 5.00% to 0.76% |
| All balances if qualifications not met | 0.06% | 0.06% |
Minimum deposit of $25.00 required to open Kasasa Cash account.
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $5 - $25,000 | 0.85% | 0.85% |
| $25,000+ | 0.75% | 0.85% to 0.75% |
| All balances if qualifications not met | 0.06% | 0.06% |
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Personal Loans
| Loan Type | APR |
|---|---|
| Unsecured Loans | As low as 12.49% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Recreational Vehicles
| Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
|---|---|---|---|
| New (2025 - 2024) | 8.50% | 9.00% | 10.00% |
| Used (2025 and older) | 10.00% | 10.45% | 10.75% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Savings Accounts
| Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Savings Account $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
$5.00 $5.00 |
0.10% 0.10% |
0.10% 0.10% |
| Christmas Club $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
- - |
0.50% 0.50% |
0.50% 0.50% |
| IRA Savings $5.00-24,999.99 $25,000 & over |
- - |
- - |
0.10% 0.10% |
0.10% 0.10% |
| Money Market $2,500-24,999.99 $25,000 & over |
$2,500.00 $2,500.00 |
$2,500.00 $25,000.00 |
0.15% 0.20% |
0.15% 0.20% |
Dividends will be compounded and will be credited monthly. Average Daily Balance.