Rates
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of Ocrober 1, 2021. Fees may reduce earnings. Rates and rewards are variable and may change after account is opened.
Kasasa Saver* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $10,000 | $0 | 0..25% | 0.25% |
| $10,000+ | $0 | 0.15% | 0.25% to 0.16% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
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 post and settle
- Have at least 1 direct deposit, bill pay, or ACH payment transaction post and settle
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.
Effective October 1, 2021
Boat/RV Loans Learn More
| Terms | APR |
|---|---|
| New - up to 144 months | As Low As 6.99%1 |
| Used - 2020-2022 | As Low As 7.49%1 |
| Used - 2013-2019 | As Low As 7.99%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective October 3, 2022
Off-Road RV Learn More
| Types | APR |
|---|---|
| New | As Low As 10.00%1 |
| Used | As Low As 10.50%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective October 3, 2022
Auto/Truck/Motorcycle Loans Learn More
| Terms | APR |
|---|---|
| New 2022-2024 Model Years | As Low As 6.39%1 |
| Used 2020-2023 Model Years | As Low As 6.59%1 |
| Used 2018-2019 Model Years | As Low As 7.09%1 |
| Used 2016-2017 Model Years | As Low As 7.59%1 |
| Used 2014-2015 Model Years | As Low As 8.99%1 |
| Used 2009-2013 Model Years | As Low As 9.69%1 |
| Classic Auto | As Low As 9.79%1 |
| Used Corvettes Not Classified Elsewhere | As Low As 9.79%1 |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective August 1, 2023
Other Loans
| Type | APR |
|---|---|
| Home Equity Line of Credit | Prime Rate plus 0.0% |
| Unsecured Line of Credit | As Low As 10.00%1 |
| Signature | As Low As 10.00%1 |
| Share Covered | 3.00% |
1Rate is based on member's credit score and the loan term. Call a loan officer for more information.
Effective October 3, 2022
Regular and IRA Shares
| Type | APY |
|---|---|
| Regular Savings | 0.05% |
| IRA Shares1 | 0.70% |
Effective December 1, 2022
1 A penalty may be imposed for early withdrawal.
Term Share Certificates Learn More
| Type | APY |
|---|---|
| 3 Month | 0.30%* |
| 6 Month | 0.30% |
| 1 Year | 1.00% |
| 2 Year | 1.00% |
| 3 Year | 1.50% |
| 4 Year | 1.50% |
| 5 Year | 1.50% |
Effective August 1, 2023
Let the Lampco Lighthouse Light Guide you to the Best CD rates in Madison County.
Minimum $500 Balance. A penalty may be imposed for early withdrawal.
Money Market Account Learn More
| Type | APY |
|---|---|
| $2,500.00 to $10,000.00 | 0.25% |
| $10,000.01 to $25,000.00 | 0.25% |
| $25,000.01 to $50,000.00 | 0.25% |
| $50,000.01 and greater | 0.25% |
Effective August 1, 2023
Minimum balance to open: $2,500.00. Minimum balance to earn dividends: $2,500.00