For Your Information

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 1, 2024. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $50 2.01% 2.00%
$10,000+ $50 0.41% 2.00% to 0.41%
All balances if qualifications not met $50 0.02% 0.02%
$0 - $10,000
Minimum Required Opening Deposit$50
Rate2.01%
APY2.00%
$10,000+
Minimum Required Opening Deposit$50
Rate0.41%
APY2.00% to 0.41%
All balances if qualifications not met
Minimum Required Opening Deposit$50
Rate0.02%
APY0.02%

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:

  • 12 Debit Card transactions post and settle
  • Enroll and log into online banking
  • Enroll in eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Free Personal Checking Learn More

Balance Minimum Required Opening Deposit Rate APY
All balances $5 0.10% 0.10%
All balances
Minimum Required Opening Deposit$5
Rate0.10%
APY0.10%

Kasasa Saver* Learn More

Balance Rate APY
$0 - $10,000 0.50% 0.50%
$10,000+ 0.25% 0.25%
All balances if qualifications not met 0.02% 0.02%
$0 - $10,000
Rate0.50%
APY0.50%
$10,000+
Rate0.25%
APY0.25%
All balances if qualifications not met
Rate0.02%
APY0.02%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases that post and settle
  • Enroll and log into online banking
  • Enroll in eStatements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Savings Accounts

Account Balance Minimum Required Opening Deposit Rate APY
Membership Savings All balances $5 0.10% 0.10%
Youth Savings All balances N/A 0.25% 0.25%
Christmas Club All balances N/A 0.20% 0.20%
Health Savings Account (HSA)* All balances N/A 0.25% 0.25%
Membership Savings
BalanceAll balances
Minimum Required Opening Deposit$5
Rate0.10%
APY0.10%
Youth Savings
BalanceAll balances
Minimum Required Opening DepositN/A
Rate0.25%
APY0.25%
Christmas Club
BalanceAll balances
Minimum Required Opening DepositN/A
Rate0.20%
APY0.20%
Health Savings Account (HSA)*
BalanceAll balances
Minimum Required Opening DepositN/A
Rate0.25%
APY0.25%

*No Overdraft Protection Available for Health Savings Accounts. A $30.00 fee will be applied to the account each time a check is returned or the account is overdrawn due to a debit card transaction.

Super Shares Account Learn More

Balance APY
$1,000* - $24,999.99 0.25%
$25,000 - $49,999.99 0.30%
$50,000 - $74,999.99 0.35%
$75,000 - $99,999.99 0.50%
$100,000 - $249,999.99 0.50%
$250,000+ 0.50%
$1,000* - $24,999.99
APY0.25%
$25,000 - $49,999.99
APY0.30%
$50,000 - $74,999.99
APY0.35%
$75,000 - $99,999.99
APY0.50%
$100,000 - $249,999.99
APY0.50%
$250,000+
APY0.50%

*If balance falls below $1,000, the remaining balance is transferred to the Membership Savings rate

Standard Share Certificates Learn More

Product Minimum Balance APY1
12 Month Certificate $1,000 4.00%
24 Month Certificate $1,000 4.00%
12 Month Certificate
Minimum Balance$1,000
APY14.00%
24 Month Certificate
Minimum Balance$1,000
APY14.00%

Certificate rates, terms, and conditions are subject to change weekly.

190-day dividend penalty for early withdrawal.

Traditional and Roth IRAs Learn More

Product Minimum Balance APY3
IRA Savings1 $5 0.25%
12 Month IRA Certificate2 $1,000 4.00%
24 Month IRA Certificate2 $1,000 4.00%
IRA Savings1
Minimum Balance$5
APY30.25%
12 Month IRA Certificate2
Minimum Balance$1,000
APY34.00%
24 Month IRA Certificate2
Minimum Balance$1,000
APY34.00%

1A minimum charge of $10.00 or 1% of the amount withdrawn may be imposed if the account has been opened less than 12 months and is closed.

210-day grace period after maturity date to make any penalty-free changes to certificate.

390-day dividend penalty for early withdrawal.

Auto Loans Learn More

Product Term APR
2021 - 2024 Auto Secured 36 Months 4.99% - 17.00%
2021 - 2024 Auto Secured 48 Months 4.99% - 17.50%
2021 - 2024 Auto Secured 60 Months 5.25% - 17.75%
2021 - 2024 Auto Secured 72 Months 5.99% - 10.75%
2020 & Older Used Auto Secured 36 Months 5.75% - 17.70%
2020 & Older Used Auto Secured 48 Months 5.99% - 17.75%
2020 & Older Used Auto Secured 60 Months 6.50% - 17.75% 
2021 - 2024 Auto Secured
Term36 Months
APR4.99% - 17.00%
2021 - 2024 Auto Secured
Term48 Months
APR4.99% - 17.50%
2021 - 2024 Auto Secured
Term60 Months
APR5.25% - 17.75%
2021 - 2024 Auto Secured
Term72 Months
APR5.99% - 10.75%
2020 & Older Used Auto Secured
Term36 Months
APR5.75% - 17.70%
2020 & Older Used Auto Secured
Term48 Months
APR5.99% - 17.75%
2020 & Older Used Auto Secured
Term60 Months
APR6.50% - 17.75% 

*Contact one of our loan officers for current loan specials. Call 1.877.CREDIT.U option 3 or email the credit union at  memberservice@cplant.com .

 

Recreational Vehicle Loans Learn More

Product Term APR
2021 - 2024 Boat / Camper / Motorcycle / ATV 36 Months 8.50% - 17.00%
2021 - 2024 Boat / Camper / Motorcycle / ATV 48 Months 8.75% - 17.25%
2021 - 2024 Boat / Camper / Motorcycle / ATV 63 Months 9.00% - 17.50%
2021 - 2024 Boat / Camper / Motorcycle / ATV 75 Months 9.25% - 17.75%
2020 & Older Boat / Camper / Motorcycle / ATV 36 Months 9.50% - 17.00%
2020 & Older Boat / Camper / Motorcycle / ATV 48 Months 9.75% - 17.25%
2020 & Older Boat / Camper / Motorcycle / ATV 63 Months 10.00% - 17.50% 
2021 - 2024 Boat / Camper / Motorcycle / ATV
Term36 Months
APR8.50% - 17.00%
2021 - 2024 Boat / Camper / Motorcycle / ATV
Term48 Months
APR8.75% - 17.25%
2021 - 2024 Boat / Camper / Motorcycle / ATV
Term63 Months
APR9.00% - 17.50%
2021 - 2024 Boat / Camper / Motorcycle / ATV
Term75 Months
APR9.25% - 17.75%
2020 & Older Boat / Camper / Motorcycle / ATV
Term36 Months
APR9.50% - 17.00%
2020 & Older Boat / Camper / Motorcycle / ATV
Term48 Months
APR9.75% - 17.25%
2020 & Older Boat / Camper / Motorcycle / ATV
Term63 Months
APR10.00% - 17.50% 

Personal Loans Learn More

Product Term APR
Miscellaneous Collateral Loan (e.g. Computers & Lawn Mowers) Up to 60 Months 9.99% - 18.00%
Signature Loan 36 Months* 10.00% - 18.00%
Signature Loan 60 Months* 10.75% - 15.25%
Miscellaneous Collateral Loan (e.g. Computers & Lawn Mowers)
TermUp to 60 Months
APR9.99% - 18.00%
Signature Loan
Term36 Months*
APR10.00% - 18.00%
Signature Loan
Term60 Months*
APR10.75% - 15.25%

*Up to $6000

Share Secured Loans Learn More

Product Term APR
Share Secured Approximately 36 Months 2.75%
Secured Certificate Approximately 60 Months 2% Over CD Rate; 2.75% Floor
Share Secured
TermApproximately 36 Months
APR2.75%
Secured Certificate
TermApproximately 60 Months
APR2% Over CD Rate; 2.75% Floor

Home Equity Loans Learn More

Product Term APR
Home Equity Platinum Card Open Ended Call For Details
Home Equity Platinum Card
TermOpen Ended
APRCall For Details

Credit Cards Learn More

Product Term APR
MasterCard Credit Card N/A 10.49% - 16.49%
MasterCard Platinum Credit Card N/A 10.49% - 16.49%
MasterCard Credit Card
TermN/A
APR10.49% - 16.49%
MasterCard Platinum Credit Card
TermN/A
APR10.49% - 16.49%