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Rates

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Kasasa Cash

BalanceCurrent Interest RateAnnual Percentage Yield


no

Balance


$.01-$15,000.00

Current Interest Rate


2.96%

Annual Percentage Yield


3.00%


no

Balance


$15,000.01+

Current Interest Rate


1.00%

Annual Percentage Yield


1.01%


When the Kasasa Cash requirements are not met:

Balance


All Balances

Current Interest Rate


0.01%

Annual Percentage Yield


0.01%

Kasasa Cash account requirements per qualification cycle:

  • Have a least 10 debit card purchases post and clear
  • Have at least 1 automatic payment or direct deposit post and clear
  • Access internet banking at least once
  • Enroll in online statements

Minimum to open: $25.00

*Each cycle the minimum requirements are met, 3.00% Annual Percentage Yield (APY) will be paid on balances between $0.01 and $15,000.00 and for balances of $15,000.01 or more, the APY will range from 3.00% to 1.01%. If the requirements are not met per monthly cycle, the account will function as a free checking account earning 0.01% APY;however, it will not receive ATM refunds for that qualification cycle. ATM transactions do not count towards qualifying debit card transactions. Qualifying transactions must post to and settle to the account during the monthly qualification cycle.Transactions may take one or more banking days from the date the transaction was made to post and settle to the account. Rates as of January 4th, 2019. We may change the interest rate and APY at any time after the account is opened. No minimum balance is required; however, a minimum deposit of $25 is required to open this account. Any fees charged on this account will reduce earnings. Available to personal accounts only. No monthly service charge. Kasasa Cash earned interest will be credited to your account on the last day of the monthly statement cycle. **Domestic ATM refunds up to $25 per cycle and $4.99 per item if minimum requirements are met. Only Minnesota and Iowa residents are eligible to open a Kasasa Cash account.


Kasasa Saver

BalanceCurrent Interest RateAnnual Percentage Yield


no

Balance


$.01-$15,000.00

Current Interest Rate


1.98%

Annual Percentage Yield


2.00%


no

Balance


$15,000.01+

Current Interest Rate


1.00%

Annual Percentage Yield


1.01%


When the Kasasa Cash or Kasasa Cash Back requirements are not met:

Balance


All Balances

Current Interest Rate


0.01%

Annual Percentage Yield


0.01%

Minimum to open $25.00

Kasasa Saver is only allowed when you have an open Kasasa Cash or Cash Back checking account. Kasasa products are available to Minnesota and Iowa residents only.

*Each cycle the minimum requirements are met on the Kasasa Cash or Cash Back account, 2.00% Annual Percentage Yield (APY) will be paid on the Kasasa Saver account for balances between $0.01 and $15,000.00 and balances of $15,000.01 or more the APY will range from 2.00% to 1.01%. If the minimum requirements are not met per cycle the saver account will earn 0.01% APY. Rates as of January 4th, 2019. We may change the interest rate and APY at any time after the account is opened. Available to personal accounts only. No monthly service charge.


Growth Checking

BalanceCurrent Interest RateAnnual Percentage Yield

Balance


$0.00 to $999.99

Current Interest Rate


0.00%

Annual Percentage Yield


0.00%

Balance


$1,000.00-$2,499.99

Current Interest Rate


0.20%

Annual Percentage Yield


0.20%

Balance


$2500.00 - $4,999.99

Current Interest Rate


0.30%

Annual Percentage Yield


0.30%

Balance


$5,000.00+

Current Interest Rate


0.40%

Annual Percentage Yield


0.40%

Minimum to open: $1,000.00


Classic Checking

BalanceCurrent Interest RateAnnual Percentage Yield

Balance


0.01+

Current Interest Rate


0.80%

Annual Percentage Yield


0.80%

Minimum to open: $500.00

Available to customers age 65 and over.


Simple Savings

BalanceCurrent Interest Rate Annual Percentage Yield

Balance


$0.01 - $999.99

Current Interest Rate


0.30%

Annual Percentage Yield


0.30%

Balance


$1,000.00+

Current Interest Rate


0.55%

Annual Percentage Yield


0.55%

Minimum to open: $25.00


Prime Savings

Balance Current Interest Rate Annual Percentage Yield

Balance


$0.00-$4,999.99

Current Interest Rate


0.00%

Annual Percentage Yield


0.00%

Balance


$5,000.00 - $14,999.99

Current Interest Rate


0.60%

Annual Percentage Yield


0.60%

Balance


$15,000.00 - $49,999.99

Current Interest Rate


0.90%

Annual Percentage Yield


0.90%

Balance


$50,000.00 - $74,999.99

Current Interest Rate


1.00%

Annual Percentage Yield


1.01%

Balance


$75,000.00+

Current Interest Rate


1.30%

Annual Percentage Yield


1.31%

Minimum to open: $5,000.00


Certificate of Deposit (CDs)

LengthBalanceCurrent Interest Rate Annual Percentage Yield

Length


6 month CD

Balance


$500.00 - $49,999.99

Current Interest Rate


1.05%

Annual Percentage Yield


1.06%

Length


no

Balance


$50,000.00 - $99,999.99

Current Interest Rate


1.15%

Annual Percentage Yield


1.16%

Length


no

Balance


$100,000.00+

Current Interest Rate


1.25%

Annual Percentage Yield


1.26%

Length


12 month CD

Balance


$500.00 - $49,999.99

Current Interest Rate


1.10%

Annual Percentage Yield


1.11%

Length


no

Balance


$50,000.00 - $99,999.99

Current Interest Rate


1.20%

Annual Percentage Yield


1.21%

Length


no

Balance


$100,000.00+

Current Interest Rate


1.30%

Annual Percentage Yield


1.31%

Length


18 month CD

Balance


$500.00 - $49,999.99

Current Interest Rate


1.20%

Annual Percentage Yield


1.21%

Length


no

Balance


$50,000.00 - $99,999.99

Current Interest Rate


1.30%

Annual Percentage Yield


1.31%

Length


no

Balance


$100,000.00+

Current Interest Rate


1.50%

Annual Percentage Yield


1.51%

Length


24 month CD

Balance


$500.00+

Current Interest Rate


2.00%

Annual Percentage Yield


2.02%

Length


36 month CD

Balance


$500.00+

Current Interest Rate


2.50%

Annual Percentage Yield


2.52%

Length


48 month CD

Balance


$500.00+

Current Interest Rate


2.60%

Annual Percentage Yield


2.63%

Length


Opt Up 33 month CD

Balance


$500.00+

Current Interest Rate


2.25%

Annual Percentage Yield


2.27%

Length


Opt Up 60 month CD

Balance


$500.00+

Current Interest Rate


2.45%

Annual Percentage Yield


2.47%

Minimum to open: $500.00

Important Disclosure: Early withdrawal penalties apply when a CD is cashed prior to maturity date.  For a CD with a term less than 18 months the early withdrawal penalty is six months of interest.  For a CD with a term of 18 months or more, the early withdrawal penalty is twelve months of interest.


Individual Retirement Accounts (IRAs)

Balance Current Interest Rate Annual Percentage Yield

Balance


0.01+

Current Interest Rate


2.60%

Annual Percentage Yield


2.63%

Minimum to open: $1.00

The interest rate and APY on IRAs matches the interest rate and APY offered on the CD with the highest interest rate and APY.


Health Savings Accounts (HSAs)

Balance Current Interest Rate Annual Percentage Yield

Balance


$.01 - $4,999.99

Current Interest Rate


0.25%

Annual Percentage Yield


0.25%

Balance


$5,000.00+

Current Interest Rate


1.00%

Annual Percentage Yield


1.01%

Minimum to open: $100.00


Small Business Checking

Balance Current Interest Rate Annual Percentage Yield

Balance


$0.01+

Current Interest Rate


0.05%

Annual Percentage Yield


0.05%

Minimum to open: $500.00


Business Savings

BalanceCurrent Interest Rate Annual Percentage Yield

Balance


$0.00 - $4,999.99

Current Interest Rate


0.00%

Annual Percentage Yield


0.00%

Balance


$5,000.00 - $24,999.99

Current Interest Rate


0.70%

Annual Percentage Yield


0.70%

Balance


$25,000.00 - $99,999.99

Current Interest Rate


0.85%

Annual Percentage Yield


0.85%

Balance


$100,000.00 - $499,999.99

Current Interest Rate


1.05%

Annual Percentage Yield


1.06%

Balance


$500,000.00+

Current Interest Rate


1.35%

Annual Percentage Yield


1.36%

Minimum to open: $1,000.00

Businesses must maintain a Small Business Checking or a Corporate Business Checking Account to qualify for the Business Savings Account.

 

 

*Important Disclosure: Fees can reduce earnings on checking and savings accounts.  Interest rates and annual percentage yields on checking and savings accounts may change after the account is opened.