APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates and APYs accurate as of December 1, 2024.
Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Kasasa Cash®* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 to $15,000 | $0 | 2.96% | 3.00% |
| $15,000+ | $0 | 0.25% | 3.00% to 0.61% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications to Earn Rewards
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 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and log into online banking
- Be enrolled in e-statements
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver®* Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 1.00 to $75,000 | $1 | 1.00% | 1.00% |
| $75,000.01 & over | $1 | 0.25% | 1.00% to 0.57% |
| All balances if qualifications not met | $1 | 0.05% | 0.05% |
Qualifications to Earn the Higher Rate
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 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and log into online banking
- Be enrolled in e-statements
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Regular Share Savings Learn More
| Minimum Balance | Rate | APY |
| $1.00 | 0.10% | 0.10% |
Share Accounts
| Account | Minimum Balance | Rate | APY |
| Daily Share Savings | $1.00 | 0.05% | 0.05% |
| IRA/Roth Daily | $1.00 | 0.15% | 0.15% |
| IRA/Roth Daily | $1,000.00 | 0.30% | 0.30% |
| Christmas Club | $1.00 | 0.05% | 0.05% |
| Vacation Club | $1.00 | 0.05% | 0.05% |
| Escrow | $1.00 | 0.05% | 0.05% |
Flexible Money Fund Learn More
| Minimum Balance | Rate | APY |
| $0 - $999.99 | 0.00% | 0.00% |
| $1,000 - $2,499.99 | 0.20% | 0.20% |
| $2,500 - $19,999.99 | 0.30% | 0.30% |
| $20,000 - $49,999.99 | 0.40% | 0.40% |
| $50,000 - $99,999.99 | 0.40% | 0.40% |
| $100,000 + | 0.50% | 0.50% |
Term Share Certificates Learn More
| Term | Minimum Deposit | Rate | APY |
| 3 Month | $500.00 | 2.48% | 2.50% |
| 6 Month | $500.00 | 2.72% | 2.75% |
| 12 Month | $500.00 | 2.23% | 2.25% |
| 12 Month Save to Win | $25.00 | 2.03% | 2.05% |
| 18 Month | $500.00 | 2.33% | 2.35% |
| 24 Month | $500.00 | 2.48% | 2.50% |
| 36 Month | $500.00 | 2.72% | 2.75% |
| 48 Month | $500.00 | 2.82% | 2.85% |
| 60 Month | $500.00 | 2.97% | 3.00% |
NEW MONEY Certificate Specials*
| 13 month | $500.00 | 2.97% | 3.00% |
| 23 month | $500.00 | 3.21% | 3.25% |
Rates are fixed for the length of the Term Share. A penalty may be imposed for early withdrawal.
*Certificate specials are for a limited time and the credit union may end it at anytime without notice. Specials are non-renewable. New money means money not already deposited with THE LOCAL.
Auto Loans Learn More
| Loan Amount | Term | APR* as low as |
|---|---|---|
| n/a | up to 60 months | 5.74% |
| > $15,000 | 61 - 72 months | 6.24% |
| > $25,000 | 73 - 84 months | 6.49% |
Example: A loan amount of $15,000.00 for 60 months would have an estimated monthly payment of $288.19
*APR=Annual Percentage Rate. APR may be higher based on credit score. NEW MONEY ONLY. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.
Boat / Motorhome / Travel Trailer Loans Learn More
| Loan Amount | Term | APR* as low as |
|---|---|---|
| n/a | up to 60 months | 7.24% |
| n/a | 61 - 72 months | 7.74% |
| n/a | 73 - 84 months | 7.99% |
| > $25,000 | 85 - 120 months | 8.49% |
| > $50,000 | 121 - 180 months | 8.74% |
| > $100,000 | 181 - 240 months | 8.99% |
Example: A loan amount of $40,000.00 for 120 months would have an estimated montly payment of $495.93
*APR=Annual Percentage Rate. APR may be higher based on credit score. NEW MONEY ONLY. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.
Motorcycle / ATV / Snowmobile / Personal Watercraft Loans Learn More
| Loan Amount | Term | APR* as low as |
|---|---|---|
| n/a | up to 60 months | 7.24% |
| n/a | 61 - 72 months | 7.74% |
| > $17,000 | 73 - 84 months | 7.99% |
Example: A loan amount of $20,000.00 for 84 months would have an estimated montly payment of $311.73
*APR=Annual Percentage Rate. APR may be higher based on credit score. NEW MONEY ONLY. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.
Personal Loans
| Loan | Loan Type | Term | APR* as low as |
|---|---|---|---|
| Line of Credit1 | Fixed | None | 13.40% |
| Signature Loan2 | Fixed | up to 60 months | 11.75% |
1 APR=Annual Percentage Rate. Loan payment based on 3% of the unpaid balance. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details
2 Example: A loan amount of $5,000.00 for 60 months would have an estimated montly payment of $110.64
*APR=Annual Percentage Rate. APR may be higher based on credit score. NEW MONEY ONLY. Rates are subject to change at any time. Same day Loan Approvals on most applications. Contact Loan Department for more details.
Home Equity Line of Credit (HELOC) Learn More
| Type | Loan Amount | Term | APR* as low as |
|---|---|---|---|
| Variable - 80% Loan-to-value | $5,000-$24,999.99 | 120 months | 8.25% |
| Variable - 80% Loan-to-Value | > $25,000 | 120 months | 8.50% |
| Variable - 90% Loan-to-Value | $5,000-$24,999.99 | 120 months |
8.50% |
| Variable - 90% Loan-to-Value | > $25,000 | 120 months |
8.75% |
*APR=Annual Percentage Rate. Variable APRs may change monthly based on the Wall Street Journal Prime Rate and may increase. APR may be higher based on credit score. NEW MONEY ONLY. Rates are based on credit limit, combined loan to value (CLTV) and credit score. Same day Loan Approvals on most applications. Contact Loan Department for more details
Fixed Rate Home Equity Loan Learn More
| Type | Loan Amount | Term | APR* as low as |
|---|---|---|---|
| Fixed - 90% Loan-to-Value | $10,000 - $100,000 | 120 months | 8.00% |
Example: A loan amount of $25,000.00 for 120 months would have an estimated montly payment of $303.44
*APR=Annual Percentage Rate. APR may be higher based on credit score. NEW MONEY ONLY. Rates are subject to change at any time. Same day Loan Approvals on most applications. Max combined loan to value (CLTV) is 95%. Contact Loan Department for more details.