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APY = Annual Percentage Yield. Rates effective as of October 1, 2020. Fees may reduce earnings.

Kasasa Cash* Learn More

Account Balance Minimum Opening Deposit Dividend Rate APY
up to $5,000 $0 2.228% 2.25%
$5,000+ $0 0.20% 2.25% - 0.30%
Qualifications not met $0 0.03% 0.03%

Qualifications

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 12 debit card purchases, each $4.99 or more
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with the credit union

Kasasa Saver* Learn More

Account Balance Minimum Opening Deposit Divident Rate APY
Up to $25,000 $0 0.25% 0.25%
$25,000+ $0 0.15% 0.25% to 0.17%
Qualifications not met $0 0.03% 0.03%

Qualifications

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 12 debit card purchases, each $4.99 or more
  • Be enrolled in and log into online banking
  • Be enrolled in and agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with credit union

Checking Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Free Checking $0 0.00% 0.00%
Smart Checking (Youth) $0 0.00% 0.00%
Free Business Checking $0 0.00% 0.00%
  • The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
  • Fees may reduce earnings.
  • $5 is required to open savings account to obtain membership.

Savings Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Regular Savings $5.00 to earn interest 0.05% 0.05%
Regular Business Savings $5.00 0.00% 0.00%
Smart Savings (Youth) $5.00

5.00% on balances up to $500

0.05% on balances over $500

5.09% on balances up to $500

0.05% on balances over $500

Club Accounts $0.00 0.20% 0.20%

Money Market

$2,000 - $9,999

$2,000 0.08% 0.08%
Money Market

$10,000 - $24,999

 

$10,000 0.10% 0.10%
Money Market

$25,000 - over

 

$25,000 0.12% 0.12%
Premium Money Market

$50,000 - $99,999

 

$50,000 0.25% 0.25%
Premium Money Market

$100,000 - $249,999

 

$100,000

0.30% 0.30%
Premium Money Market

$250,000 - over*

 

$250,000 0.35% 0.35%

 

  • The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
  • Fees may reduce earnings.
  • $5 is required to open savings account to obtain membership.
  • *Funds on deposit over $250,000 may not be insured by NCUA

First Mortgage Fixed Rate Program Learn More

Owner Occupied Property Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000
10 Years 2.750% 2.972% 95% 0.500% ($954.11)
15 Years 2.875% 3.028% 95% 0.500% ($684.59)
20 Years 3.125% 3.245% 95% 0.500% ($560.88)
30 Years 3.250% 3.336% 95% 0.500% ($435.21)

 

  • *all rates are subject to change without notice.
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
  • For additional rates, programs, and costs, please click here

Equity Loan Program Learn More

Term Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000 
HELOC - $150,000 Max
Equity Line of Credit - 20 Year Term*
6.00%   6.127%  100%  0.500%  ($716.43)
HELOC Plus - $100,000 Max
Equity Line of Credit - 20 Year Term
 6.50%  6.665%  100%  0.750%  ($745.57)
Closed End Equity -$200,000 Max
15 Year Term*
 5.75%  5.907%  100%  0.500%  ($830.41)

 

  • All rates are subject to change without notice.
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
  • For additional rates, programs, and costs, please click here

*Based on tax assessed value.

Loans Learn More

Loan Lowest Annual Percentage Rate Highest Annual Percentage Rate

Kasasa Auto Loans-New

Purchase & Refinance

Internal Refinance

 

2.80%

3.80%

 

9.80%

10.80%

Kasasa Auto Loans-Used

Purchase & Refinance

Internal Refinance

 

3.30%

4.30%

 

10.30%

11.30%

VISA Platinum

Rewards Credit Card

9.75%
1.99% Introductory APR for 9 months from account opening
 18.00%
VISA Platinum 8.75%
1.99% Introductory APR for 9 months from account opening 
 17.00%
Boat & RV Loans

New & Used, Purchase & Refinance. New Money Only.

 5.00%  12.00%
Motorcycles & Snowmobiles  5.00%  12.00%

Kasasa Personal Loan

Up to $7,500

$7,501 to $15,000

$15,001+

 

6.00%

7.00%

8.00%

 

13.00%

14.00%

15.00%

Timeline Loan

Unsecured revolving line of credit; attached to checking

8.00%   15.00%

Home Improvement Loan

up to $10,000

6.50%   6.50%

Home Improvement Loan

up to $25,000

 6.75%  6.75%

Share Secured

 Call for Rate  Call for Rate
  • Loan based upon credit rating.
  • Rates subject to change without notice.
  • Rates subject to change based on term.
  • Please call for current rates and terms.
  • To refinance an existing NW Plus CU Loan, please call for rates.

6 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.10% 0.10%
$10,000 - $99,999 $10,000 0.15% 0.15%
$100,000 - over $100,000 0.20%   0.20% 
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

12 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.15% 0.15%
$10,000 - $99,999 $10,000 0.20% 0.20%
$100,000 - over $100,000 0.25%   0.25% 

 

  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

24 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.20% 0.20%
$10,000 - $99,999 $10,000 0.25% 0.25%
$100,000 - over $100,000  0.30%  0.30% 

 

  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

36 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.25% 0.25%
$10,000 - $99,999 $10,000 0.30% 0.30%
$100,000 - over $100,000  0.35%  0.35%

 

  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

48 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.30% 0.30%
$10,000 - $99,999 $10,000 0.35% 0.35%
$100,000 - over $100,000  0.40%  0.40%

 

  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

60 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.40% 0.40%
$10,000 - $99,999 $10,000 0.45% 0.45%
$100,000 - over $100,000  0.50%  0.50% 

 

  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

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