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APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of October 1, 2019. Fees may reduce earnings.

Deposit Rates

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $0 3.20% 3.25%
$10,000+ $0 0.15% 3.25% to 0.43%
All balances if qualifications not met $0 0.10% 0.10%

Qualifications

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 or ACH credit
  • At least 14 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $25,000 $0 0.70% 0.70%
$25,000+ $0 0.15% 0.70% to 0.26%
All balances if qualifications not met $0 0.10% 0.10%

Qualifications

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 or ACH credit
  • At least 14 debit card purchases

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Basic Savings (Regular Shares) Learn More

Balance Minimum Balance Rate APY
$0.01 - $4,999.99 $1 0.10% 0.10%
$5,000+ $1 0.10% 0.10%

Youth Accounts Learn More

Account Balance Minimum Balance Rate APY
Super Saver Savings1 $0.01 - $7,500 $1 0.499% 0.50%
Super Saver Savings $7,500.01+ $1 0.25% 0.25%
Super Powers Savings2 $0.01 - $7,500 $1 0.499% 0.50%
Super Powers Savings $7,500.01+ $1 0.25% 0.25%
Student Services Savings3 $0.01 - $7,500 $1 0.499% 0.50%
Student Services Savings $7,500.01+ $1 0.25% 0.25%

1 Primary Member Age 0 to 12

2 Primary Member Age 13 to 17

3 Primary Member Age 18 to 22

Club Accounts Learn More

Account Balance Minimum Balance Rate APY
Holiday Club4 All balances $0 0.30% 0.30%
Vacation Club5 All balances $0 0.10% 0.10%
Home Buyer Club6 $0.01 - $4,999.99 $50 0.10% 0.10%
Home Buyer Club $5,000+ $50 0.10% 0.10%

4 One annual withdrawal

5 One quarterly withdrawal

Home Buyer Club Early Withdrawal Penalty: An early withdrawal penalty will be charged for a withdrawal prior to making a Home Purchase. The penalty we may impose will equal up to 365 days interest the account has been credited. If the account has been open less than 365 days, the penalty we impose will equal all interest credited. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires the waiver of the early withdrawal penalty.

Money Market Learn More

Balance Rate APY
$0.01 - $10,000 0.1499% 0.15%
$10,000.01 - $25,000 0.1998% 0.20%
$25,000.01 - $50,000 0.2996% 0.30%
$50,000.01+ 0.3993% 0.40%

$3,000 minimum balance

Up to 6 withdrawals per month with no fee

Plus Money Market Learn More

Balance Rate APY
$25,000+ 0.499% 0.50%

$25,000 minimum balance

Up to 6 withdrawals per month with no fee

No interest paid when balance falls below $25,000

Superior Money Market Learn More

Balance Rate APY
$100,000 - $200,000 1.985% 2.00%
$200,000.01+ 0.995% 1.00%

$100,000 minimum balance

Up to 6 withdrawals per month with no fee

No interest paid when balance falls below $100,000

IRA Savings Learn More

Account Balance Rate APY
IRA Savings $0.01 - $10,000 0.499% 0.50%
IRA Savings $10,000.01+ 0.995% 1.00%
Market Rate IRA All balances 1.242% 1.25%

Share Certificates ($1,000 - $10,000) Learn More

Term Rate APY Penalty
3 months 0.250% 0.25% 90 days
6 months 0.499% 0.50% 90 days
12 months 1.244% 1.25% 90 days
Save to Win®7 12 months 1.244% 1.25% 1st $25
2nd closure
24 months 1.244% 1.25% 90 days
28 months8 1.244% 1.25% 180 days
36 months 1.492% 1.50% 180 days
38 months8 1.492% 1.50% 180 days
60 months 1.492% 1.50% 180 days

Effective October 1, 2019. Penalty for early withdrawal.

7 Save to Win Official Rules

8 Bump Rate Certificate. During the term of the certificate, member may request an increase to the current advertised rate of the equivalent bump rate certificate.

Share Certificates ($10,000.01 - $99,999.99) Learn More

Term Rate APY Penalty
3 months 0.250% 0.25% 90 days
6 months 0.499% 0.50% 90 days
9 months9 (new money only) 1.244% 1.25% 90 days
12 months 1.492% 1.50% 90 days
24 months 1.492% 1.50% 90 days
28 months10 1.492% 1.50% 180 days
36 months 1.739% 1.75% 180 days
38 months10 1.739% 1.75% 180 days
60 months 1.739% 1.75% 180 days

Effective October 1, 2019. Penalty for early withdrawal.

100% of the funds must be new money not previously on deposit with ESCU for 60 days.

10 Bump Rate Certificate. During the term of the certificate, member may request an increase to the current advertised rate of the equivalent bump rate certificate.

Jumbo Share Certificates Learn More

Term Rate APY Penalty
12 months 1.492% 1.50% 90 days
24 months 1.739% 1.75% 90 days
36 months 1.739% 1.75% 180 days
60 months 1.739% 1.75% 180 days

$100,000 minimum. Effective October 1, 2019. Penalty for early withdrawal.

Jumbo Monthly Share Certificates Learn More

Term Rate APY Penalty
12 months 1.391% 1.40% 90 days
24 months 1.637% 1.65% 90 days
36 months 1.637% 1.65% 180 days
60 months 1.637% 1.65% 180 days

$100,000 minimum. Effective October 1, 2019. Penalty for early withdrawal.

IRA Share Certificates ($1,000 - $10,000) Learn More

Term Rate APY  Penalty
3 months 0.499% 0.50% 90 days
6 months 0.748% 0.75% 90 days
12 months 0.995% 1.00% 90 days
24 months 1.492% 1.50% 90 days
28 months 1.492% 1.50% 180 days
36 months 1.739% 1.75% 180 days
38 months 1.739% 1.75% 180 days
60 months 1.985% 2.00% 180 days

Effective October 1, 2019. Penalty for early withdrawal.

IRA Share Certificates ($10,000+) Learn More

Term Rate APY Penalty
3 months 0.996% 1.00% 90 days
6 months 1.244% 1.25% 90 days
12 months 1.244% 1.25% 90 days
24 months 1.739% 1.75% 90 days
28 months 1.739% 1.75% 180 days
36 months 1.985% 2.00% 180 days
38 months 1.985% 2.00% 180 days
60 months 2.231% 2.25% 180 days

Effective October 1, 2019. Penalty for early withdrawal.

Business Savings Learn More

Balance Rate APY
$0.01 - $4,999.99 0.05% 0.05%
$5,000+ 0.10% 0.10%
Loan Rates

Visa Credit Cards Learn More

Type APR (subject to change)
Platinum Card 9.99%
Gold Card 11.99%
Classic Card 16.99%
Student Credit Card 14.49%
Credit Builder Credit Card 18.00%

Home Loans

Type APR (as low as)
Home Equity Line of Credit 4.75%
Home Equity Closed-End Fixed Rate 4.75%
Mortgage Loans Mortgage Center, or call Jennifer Walters at 314-434-6470 ext. 1230

Personal Loans Learn More

Personal Loans APR (as low as)
Secured Loan 6.75%
Stock Secured Loan 8.75%
50/50 Loan 10.75%
Instant Money Line of Credit 11.25%
Signature Loan 11.25%
Short-Term Emergency Loan Call to apply

Auto & Motorcycle Loans Learn More

Type APR (as low as)
New & Used Vehicles - Model years 2009 & newer 3.74%
Used Vehicles - Model years 2009 & older 5.74%

Annual Percentage Rate (APR) is for a term up to 36 months. Other terms and APRs are available up to 84 months.

Recreational Vehicle Loans Learn More

Type APR (as low as)
New & Used Boats and Personal Watercraft11 7.00%
New & Used RVs and ATVs12 7.25%

11 Annual Percentage Rate (APR) is for a term up to 120 months with a minimum of $10,000 to $14,999 borrowed. Other terms and APRs are available up to 180 months.

12 Annual Percentage Rate (APR) is for a term up to 84 months with a minimum of $2,500 borrowed. Other terms and APRs are available up to 180 months.