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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of June 16, 2019, and are subject to change at any time without notice. Fees may reduce earnings.


Kasasa Cash* Learn More

Balance Minimum 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* Learn More

Balance Rate APY
0 - $100,000 1.00% 1.00%
$100,000+ 0.25% 1.00% to 0.50%
All balances if 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 Learn More

Mortgage Interest Rate1 APR
30-Year Fixed 4.375% 4.444%
15-Year Fixed 3.750% 3.862%
30-Year VA Fixed 4.500% 4.715%
30-Year Rural Development Fixed 4.500% 5.032%
30-Year FHA Fixed 4.500% 5.536%

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 Learn More

Year Term Rate APR
New & Used 2018 72 Month 6.50% 6.849%
New & Used 2018 60 Month 5.75% 6.160%
New & Used 2018 48 Month 5.50% 6.004%
Used 2017 60 Month 6.00% 6.411%
Used 2016 60 Month 6.25% 6.661%
Used 2015 48 Month 6.50% 7.007%
Used 2014 48 Month 6.75% 7.258%
Used 2013 48 Month 7.00% 7.509%
Used 2012 36 Month 7.00% 7.664%
Used 2011 & Older 24 Month 7.00% 7.967%

The APR calculations above are based on a $10,000 example and the term and rates indicated. Rates may vary depending on age of collateral and your creditworthiness. All rates subject to credit approval. 

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

Certificates of Deposit Learn More

CD / Compounding Frequency Rate APY Minimum to Open
3 month term/Quarterly 0.35% 0.35% $1,000
6 month term/Quarterly 1.75% 1.76% $1,000
12 month term/Semi-annual 1.80% 1.81% $1,000
18 month term/Semi-annual 1.75% 1.76% $1,000
19 month term/Semi-annual 2.50% 2.52% $1,000
24 month term/Semi-annual 2.10% 2.11% $1,000
36 month term/Semi-annual 2.60% 2.62% $1,000
48 month term/Semi-annual 2.60% 2.62% $1,000
60 month term/Semi-annual 2.70% 2.72% $1,000
72 month term/Semi-annual 2.70% 2.72% $1,000

 

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

Individual Retirement Accounts Learn More

CD / Compounding Frequency Rate APY Minimum to Open
3 month term/Quarterly 0.35% 0.35% $1,000
6 month term/Quarterly 1.75% 1.76% $1,000
12 month term/Semi-annual 1.80% 1.81% $1,000
18 month term/Semi-annual 1.75% 1.76% $1,000
24 month term/Semi-annual 2.10% 2.11% $1,000
36 month term/Semi-annual 2.60% 2.62% $1,000
48 month term/Semi-annual 2.60% 2.62% $1,000
60 month term/Semi-annual 2.70% 2.72% $1,000
72 month term/Semi-annual 2.70% 2.72% $1,000

 

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

Money Market Account Learn More

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%