Rates subject to change. Effective as of November 8, 2017

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Kasasa Cash* See Details

BalanceDividend RateAPY
Balances up to $10,000 2.48% 2.51%
Balances over $10,000 0.24% 2.51% – 0.45%
All balances if qualifications are not met 0.05% 0.05%

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
  • Be enrolled in and agree to receive e-Statements

Kasasa Saver* See Details

BalanceDividend RateAPY
Balances up to $10,000 0.50% 0.50%
Balances over $10,000 0.24% 0.50% – 0.267%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash 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 account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-Statements

Other Accounts

Account TypeBalanceAPYDividend Rate
Savings (Share) Account $5.00 minimum balance for membership 0.05% 0.05%
Money Market $1,000.00 – $9,999.99 0.05% 0.050%
Money Market $10,000 – $49,999.99 0.05% 0.050%
Money Market $50,000 or greater 0.05% 0.050%
Special Savings n/a 0.05% 0.050%
Christmas Club n/a 0.05% 0.050%
IRA/Roth Share n/a 0.10% 0.100%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

IRA/Roth Certificate See Details

BalanceTermAPYDividend Rate
$1,000.00 Minimum 1 Year 0.40% 0.399%
$1,000.00 Minimum 2 Year 0.70% 0.697%
$1,000.00 Minimum 3 Year 0.90% 0.896%
$1,000.00 Minimum 4 Year 1.20% 1.193%
$1,000.00 Minimum 5 Year 1.35% 1.341%

Share Certificates See Details

BalanceTermAPYDividend Rate
$1,000.00 Minimum 90 Day 0.15% .149%
$1,000.00 Minimum 6 Month 0.25% 0.249%
$1,000.00 Minimum 9 Month 0.30% 0.299%
$1,000.00 Minimum 1 Year 0.40% 0.399%
$1,000.00 Minimum 18 Month 0.50% 0.499%
$1,000.00 Minimum 2 Year 0.70% 0.697%
$1,000.00 Minimum 3 Year 0.90% 0.896%
$1,000.00 Minimum 4 Year 1.20% 1.193%
$1,000.00 Minimum 5 Year 1.35% 1.341%

For the purposes of this disclosure, this is a rate and APY that were offered within the most recent seven calendar days. The Dividend Rate(s) and Annual Percentage Yields(s) shown herein are current as of the effective date. For more current rates, please call (636) 978-8800.

Penalty applies for early withdrawal

New & Used Vehicles See Details

VehiclesMax ValueAPR As Low As1

New / Used Vehicles
2012 or newer

115% of MSRP/NADA Value 2.49%
Legacy Vehicles
6-8 years old
100% of NADA Value 3.99%
Legacy Vehicles
9-13 years old
100% of NADA Value 5.49%
Classic/Antique/Kit Autos 100% of Appraised Value 6.55%

1Loan rates are determined by base rate plus credit score risk factors. Terms greater than 48 months require a minimum loan balance.

Recreational Vehicles See Details

VehiclesMax ValueAPR As Low As1
New/Used Motorcycles/ATV's 110% of MSRP/NADA 4.25%
New/Used Boats 90% MSRP/NADA 4.25%
New/Used RVs and Travel Campers 90% MSRP/NADA 4.25%

1Loan rates are determined by base rate plus credit score risk factors.Terms greater than 48 months require a minimum loan balance.

Visa® Credit Cards See Details

Credit CardMinimum Credit LineAPR
Visa® Platinum $5,000 7.90%
Visa® Select $250 10.90%

Home Equity See Details

TypeRangeAPR As Low As2
Closed End Fixed Rate $5,000 - $100,000 6.75%
Open End Variable Rate Line of Credit $5,000 - $100,000 5.00%

2Loan rates for Home Equities are determined by current Prime rate (index) plus a margin based on credit score/risk factors.

Miscellaneous Secured Loans See Details

TypeTermAPR As Low As
Share Secured Up to 36 months Current Dividend Rate + 2.00%
Share Secured 37 to 84 months Current Dividend Rate + 3.00%
Share Secured 85 to 120 months Current Dividend Rate + 4.00%
Share Secured 121 to 180 months Current Dividend Rate + 5.00%
Share Secured 1 Year Term Loan Current Dividend Rate + 3.00%
Certificate Secured Installment (based on certificate maturity) Rate of Certificate + 2.00%
Certificate Secured 1 Year Term Loan Rate of Certificate + 3.00%

Loan rates are determined by base rate plus credit score risk factors.

Miscellaneous Unsecured Loans See Details

TypeTermAPR4
Signature Up to 60 months 10.99%*
Signature 90 day Term Loan 10.99%*
Signature Ready Cash Line-of-Credit (Revolving) 11.49%

4Loan rates are determined by base rate plus credit score risk factors.

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