Checking & Savings
| Basic Savings Balance | Minimum Balance | Rate | APY |
|---|---|---|---|
| $0.01 - $4,999.99 | $1 | 0.05% | 0.05% |
| $5,000+ | $1 | 0.05% | 0.05% |
APY (Annual Percentage Yield) is the amount of interest earned on the account’s entire deposit balance in one year. This account earns the rate for the balance within the listed rate tier and may result in a blended rate for the entire balance.
| Youth Accounts | 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% |
Blended Rate
Average daily balances up to and including $7,500 in your Youth Savings account earn an APY of 0.50% and average daily balances over $7,500 earn a dividend rate of 0.25% on the portion of the average daily balance over $7,500, resulting in a range from 0.50% APY to .048% APY depending on the account's average daily balance.
1Primary Member Age 0 to 12
2Primary Member Age 13 to 17
3Primary Member Age 18 to 22
4 One annual withdrawal
5 One quarterly withdrawal
6 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. The APY (Annual Percentage Yield) is the amount of interest earned on the account’s entire deposit balance in one year. This account earns the rate for the balance within the listed rate tier and may result in a blended rate for the entire balance.
| Money Market Balance | Rate | APY |
|---|---|---|
| $0.01 - $10,000 | 0.20% | 0.20% |
| $10,000.01 - $25,000 | 0.399% | 0.40% |
| $25,000.01 - $50,000 | 0.598% | 0.60% |
| $50,000.01+ | 0.797% | 0.80% |
$3,000 minimum balance; Up to 6 withdrawals per month with no fee
If the average daily balance falls between the listed values, you earn the specified rates on your full account balance.
| Plus Money Market Balance | Rate | APY |
|---|---|---|
| $25,000 - Above | 1.244% | 1.25% |
$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 Balance | Rate | APY |
|---|---|---|
| $100,000 - $200,000 | 1.985% | 2.00% |
| $200,000.01 - Above | 2.967% | 3.00% |
$100,000 minimum balance; Up to 6 withdrawals per month with no fee; No interest paid when balance falls below $100,000
Blended Rate: When the $100,000 minimum balance is met, average daily balances up to and including $200,000 in your Superior Money Market account earn an APY of 2.0% and average daily balances over $200,000 earn a dividend rate of 3.0% on the portion of the average daily balance over $300,000, resulting in a range from 3.0% APY to 2.0% APY depending on the account's average daily balance.
| IRA Accounts | Balance | Rate | APY |
|---|---|---|---|
| IRA Savings | $0.01 - $10,000 | 0.25% | 0.25% |
| IRA Savings | $10,000.01+ | 0.499% | 0.50% |
| Market Rate IRA | All balances | 1.242% | 1.25% |
Blended Rate
Average daily balances up to and including $10,000 in your IRA Savings account earn an APY of 0.25% and average daily balances over $10,000 earn a dividend rate of 0.50% on the portion of the average daily balance over $10,000, resulting in a range from 0.25% APY to 0.50% APY depending on the account's average daily balance.
| Business Savings Balance | Rate | APY |
|---|---|---|
| $0.01 - $4,999.99 | 0.05% | 0.05% |
| $5,000+ | 0.10% | 0.10% |
Blended Rate: Average daily balances up to $5,000 in your Business Savings account earn an APY of 0.05% and average daily balances of $5,000 and over earn a dividend rate of 0.10% on the portion of the average daily balance at and over $5,000, resulting in a range from 0.05% APY to 0.10% APY depending on the account's average daily balance.
| Kasasa Cash Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $0 | 3.93% | 4.00% |
| $25,000+ | $0 | 0.15% | 0.15% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Blended Rate
Average daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 3.93% resulting in an APY of 4.00%; and average daily balances over $25,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $25,000, resulting in a range from 4.00% to 0.92% APY depending on the account's average daily balance.
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 Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $0 | 0.6989% | 0.70% |
| $25,000+ | $0 | 0.1499% | 0.15% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Blended Rate
Average daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 0.70% and average daily balances over $25,000 earn a dividend rate of 0.1499 % on the portion of the average daily balance over $25,000, resulting in a range from 0.70% APY to .026% APY depending on the account's average daily balance.
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!
Certificates
Unless otherwise noted, certificates compound quarterly and automatically renew at the same rate in effect for that term on the renewal date. Funds may be withdrawn within 10 calendar days after renewal without penalty. Unless otherwise noted, an early withdrawal penalty is assessed if the principal is withdrawn before its maturity date except within 10 calendar days after being automatically renewed. The interest rate used to determine the above penalties will be the rate in effect at the Credit Union at the time of the early withdrawal. The rate will equal the rate the Credit Union pays on new Certificates when they are issued with maturities and terms similar to the Certificate being surrendered, as determined by the Credit Union.
7 Youth Savings & Certificates are available to primary members under the age of 18. Youth Certificate rates equal other Certificate rates for the same term. The $500 Youth Certificate minimum applies only to the $1,000 - $9,999.99 tier. CD Specials are available to Youth Accounts but at the $1,000 minimum.
8 Cannot combine Certificate special with other promotional rate bumps. The Certificate automatically renews to a 12-month Certificate at the Rate in effect for that Certificate on the renewal date. Unless otherwise noted, penalty terms are as stated above.
9 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.
| $10K - $100K Terms | Rate | APY | Penalty |
|---|---|---|---|
| 3 months | 3.94% | 4.00% | 90 days |
| 6 months | 3.41% | 3.45% | 90 days |
| 12 months | 3.84% | 3.90% | 90 days |
| 7-month Special11 | 3.94% | 4.00% | 180 days |
| 24 months | 3.45% | 3.50% | 90 days |
| 28 months12 | 3.45% | 3.50% | 180 days |
| 36 months | 3.45% | 3.50% | 180 days |
| 38 months12 | 3.45% | 3.50% | 180 days |
| 60 months | 3.45% | 3.50% | 180 days |
Unless otherwise noted, Certificates compound quarterly and automatically renew at the same term at the Rate in effect for that term on the renewal date. Funds may be withdrawn within 10 calendar days after renewal without penalty. Unless otherwise noted, an early withdrawal penalty is assessed if the principal is withdrawn before its maturity date except within 10 calendar days after being automatically renewed. The interest rate used to determine the above penalties will be the rate in effect at the Credit Union at the time of the early withdrawal. The rate will equal the rate the Credit Union pays on new Certificates when they are issued with maturities and terms similar to the Certificate being surrendered, as determined by the Credit Union.
11 Cannot combine Certificate special with other promotional rate bumps. The Certificate automatically renews to a 12-month Certificate at the Rate in effect for that Certificate on the renewal date. Unless otherwise noted, penalty terms are as stated above.
12 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.
| $100K+ Terms | Rate | APY | Penalty |
|---|---|---|---|
| 12-month | 3.84% | 3.90% | 90 days |
| 7-month Special13 | 3.94% | 4.00% | 180 days |
| 24-month | 3.601% | 3.65% | 90 days |
| 36-month | 3.893% | 3.95% | 180 days |
| 60-month | 3.698% | 3.75% | 180 days |
Unless otherwise noted, Certificates compound quarterly and automatically renew at the same term at the Rate in effect for that term on the renewal date. Funds may be withdrawn within 10 calendar days after renewal without penalty. Unless otherwise noted, an early withdrawal penalty is assessed if the principal is withdrawn before its maturity date except within 10 calendar days after being automatically renewed. The interest rate used to determine the above penalties will be the rate in effect at the Credit Union at the time of the early withdrawal. The rate will equal the rate the Credit Union pays on new Certificates when they are issued with maturities and terms similar to the Certificate being surrendered, as determined by the Credit Union.
13 Cannot combine Certificate special with other promotional rate bumps. The Certificate automatically renews to a 12-month Certificate at the Rate in effect for that Certificate on the renewal date. Unless otherwise noted, penalty terms are as stated above.
| $100K+ Monthly Terms | Rate | APY | Penalty |
|---|---|---|---|
| 12 months | 3.84% | 3.90% | 90 days |
| 24 months | 3.601% | 3.601% | 90 days |
| 36 months | 3.893% | 3.893% | 180 days |
| 60 months | 3.698% | 3.698% | 180 days |
Penalty for early withdrawal.
| IRA $1K - $10K Terms | Rate | APY | Penalty |
|---|---|---|---|
| 3 months | 3.94% | 4.00% | 90 days |
| 6 months | 3.41% | 3.45% | 90 days |
| 12 months | 3.84% | 3.90% | 90 days |
| 7-month Special14 | 3.94% | 4.00% | 180 days |
| 24 months | 3.55% | 3.60% | 90 days |
| 28 months | 3.55% | 3.60% | 180 days |
| 36 months | 3.45% | 3.50% | 180 days |
| 38 months | 3.45% | 3.50% | 180 days |
| 60 months | 3.45% | 3.50% | 180 days |
Unless otherwise noted, Certificates compound quarterly and automatically renew at the same term at the Rate in effect for that term on the renewal date. Funds may be withdrawn within 10 calendar days after renewal without penalty. Unless otherwise noted, an early withdrawal penalty is assessed if the principal is withdrawn before its maturity date except within 10 calendar days after being automatically renewed. The interest rate used to determine the above penalties will be the rate in effect at the Credit Union at the time of the early withdrawal. The rate will equal the rate the Credit Union pays on new Certificates when they are issued with maturities and terms similar to the Certificate being surrendered, as determined by the Credit Union.
14 Cannot combine Certificate special with other promotional rate bumps. The Certificate automatically renews to a 12-month Certificate at the Rate in effect for that Certificate on the renewal date. Unless otherwise noted, penalty terms are as stated above.
| IRA $10K+ Terms | Rate | APY | Penalty |
|---|---|---|---|
| 3 months | 3.94% | 4.00% | 90 days |
| 6 months | 3.41% | 3.45% | 90 days |
| 12 months | 3.84% | 3.90% | 90 days |
| 7-month Special15 | 3.94% |
4.00% |
180 days |
| 24 months | 3.55% | 3.60% | 90 days |
| 28 months | 3.55% | 3.60% | 180 days |
| 36 months | 3.45% | 3.50% | 180 days |
| 38 months | 3.45% | 3.50% | 180 days |
| 60 months | 3.45% | 3.50% | 180 days |
Unless otherwise noted, Certificates compound quarterly and automatically renew at the same term at the Rate in effect for that term on the renewal date. Funds may be withdrawn within 10 calendar days after renewal without penalty. Unless otherwise noted, an early withdrawal penalty is assessed if the principal is withdrawn before its maturity date except within 10 calendar days after being automatically renewed. The interest rate used to determine the above penalties will be the rate in effect at the Credit Union at the time of the early withdrawal. The rate will equal the rate the Credit Union pays on new Certificates when they are issued with maturities and terms similar to the Certificate being surrendered, as determined by the Credit Union.
15 Cannot combine Certificate special with other promotional rate bumps. The Certificate automatically renews to a 12-month Certificate at the Rate in effect for that Certificate on the renewal date. Unless otherwise noted, penalty terms are as stated above.
What is the Difference Between Dividend Rate, Annual Percentage Yield (APY), and Annual Percentage Yield Earned (APYE) On a Savings or Deposit Account?
- Dividend Rate: The quoted rate applied to the balance in a savings account and paid to the account owner periodically, monthly, quarterly, semi-annually, or annually depending on the specific savings account’s terms.
- APY: The annualized rate for a savings account that considers compounding dividends paid to the account owner for a period. The APY assumes no withdrawals or deposits other than the dividends paid to the account. Truth-In-Savings (TIS) regulations require this disclosure to help people compare savings products across multiple financial institutions.
- APYE: The annualized rate for a savings account considers both the dollar amount of dividends paid for that period and the average balance of the account for that period. APYE takes into account the savings account's actual balance and dividends paid. Suppose an account’s balance decreases during the period because of a withdrawal. In that case, the APYE may be a lesser amount than the quoted rate, but this does not mean that the account was not paid the correct dividend rate. The APYE calculation is also required by TIS and reported on members’ statements.
Please refer to our Truth-In-Savings Disclosure for more information. Unless otherwise noted, our quoted deposit rates are effective as of April 01, 2025. Fees and withdrawals may reduce earnings.
For our home mortgage and home equity loan rates, call us at 314.434.6470, email us at [email protected], or stop by a branch.
For our auto loan rates, call us at 314.434.6470, email us at [email protected], or stop by a branch.
For our personal loan rates, call us at 314.434.6470, email us at [email protected], or stop by a branch.
For our credit card rates, call us at 314.434.6470, email us at [email protected], or stop by a branch.
For our RV loan rates, call us at 314.434.6470, email us at [email protected], or stop by a branch.
What is the Difference Between an Interest Rate and the Annual Percentage Rate (APR) on a Loan?
- Interest Rate: The quoted rate applied to the balance of a loan and paid to the lender monthly. The interest rate does not include fees charged for the loan.
- APR: The annualized rate paid each year for a loan. The APR includes fees charged for the loan. The APR considers both the interest rate and fees paid to get the loan. The higher the APR, the higher the cost of borrowing over the life of the loan. Lenders are required to provide the APR to help people compare the full cost of borrowing across multiple lenders.
Please refer to your specific loan's disclosure for more information. Unless otherwise noted, our quoted loan rates are effective as of January 31, 2025.