APY = Annual Percentage Yield. Rates effective as of October 19, 2017, and are subject to change at any time without notice. Fees may reduce earnings.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $25,000 $25 3.00% 3.01%
$25,000+ $25 0.10% 3.01% to 0.80%
All balances if qualifications not met $25 0.01% 0.01%

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 12 debit card purchases post and settle
  • Have at least 1 ACH credit or ACH payment transaction post and settle

And if you don't meet these qualifications, don't worry. Your account is still free. You'll also still earn our base interest rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver* See Details

Balance Interest Rate APY
0 - $100,000 1.00% 1.00%
$100,000+ 0.25% 1.00% to 0.50%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 ACH credit or ACH payment transaction post and settle

And if you don't meet these qualifications, don't worry. Your account is still free. You'll also still earn our base interest rate on Kasasa Saver— and you can get right back to earning your full rewards the very next cycle that you qualify.

Home Mortgage Loans See Details

Mortgage Interest Rate1 APR
30-Year Fixed 3.75% 3.891% APR
15-Year Fixed 3.125% 3.373% APR
30-Year VA Fixed 3.875% 4.912% APR
30-Year Rural Development Fixed 3.75% 4.76% APR
30 Year FHA Fixed 3.75% 5.479% APR

1Interest Rates, APRs, points, pricing, and adjustments are all subject to change at any time without notification. Conventional loan interest rates are based on a $150,000 purchase primary residence transaction loan or refinance at 80% loan-to-value with a credit score of 740. Interest rates may vary depending on loan size or additional factors.

The monthly payment amounts shown include principal and interest. If an escrow account is required or established, then the actual monthly payment amount will be higher by including amounts for real estate taxes and homeowner's insurance premiums.

The rates listed above are for properties located in Missouri. Other terms and conditions may be applicable.

Auto Loans See Details

Year Term Rate APR
NEW & USED 2017 72 Month 5.50% 5.758%
60 Month 4.75% 5.054%
48 Month 4.50% 4.872%
USED 2016 60 Month 5.00% 5.303%
USED 2015 60Month 5.25% 5.550%
USED 2014 48 Month 5.50% 5.874%
USED 2013 48 Month 5.75% 6.125%
USED 2012 48 Month 6.00% 6.375%
USED 2011 36 Month 6.00% 6.489%
USED 2010 & Older 24 Month 6.00% 6.991%

The APR calculations above are based on a $10,000 example and the term and rates indicated.

For All Other Consumer Loan Products, Please Make an Inquiry and We Will Contact You.

Certificates of Deposit See Details

CD/Compounding Frequency Rate APY Minimum to Open
3 month term/Quarterly 0.35% 0.35% $1,000
6 month term/Quarterly 0.75% 0.75% $1,000
12 month term/Semi-annual 0.80% 0.80% $1,000
18 month term/Semi-annual 1.10% 1.10% $1,000
24 month term/Semi-annual 1.45% 1.46% $1,000
36 month term/Semi-annual 1.45% 1.46% $1,000
48 month term/Semi-annual 1.50% 1.51% $1,000
60 month term/Semi-annual 1.50% 1.51% $1,000
72 month term/Semi-annual 1.50% 1.51% $1,000

Penalties may be assessed for early withdrawal - see disclosure for full details.

Individual Retirement Accounts See Details

IRA/Compounding Frequency Rate APY Minimum
to Open
3 month term/Quarterly 0.20% 0.20% $1,000
6 month term/Quarterly 0.35% 0.35% $1,000
12 month term/Semi-annual 0.75% 0.75% $1,000
18 month term/Semi-annual 1.10% 1.10% $1,000
24 month term/Semi-annual 1.10% 1.10% $1,000
36 month term/Semi-annual 1.20% 1.20% $1,000
48 month term/Semi-annual 1.25% 1.25% $1,000
60 month term/Semi-annual 1.30% 1.30% $1,000
72 month term/Semi-annual 1.30% 1.30% $1,000

Penalties may be assessed for early withdrawal - see disclosure for full details.

Money Market Account See Details

Balance Rate APY
$0 - $24,999 0.20% 0.20%
$25,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.20% 0.20%
$100,000 - $199,999.99 0.30% 0.30%
$200,000 & over 0.50% 0.50%