Rates

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

• Have at least 12 debit card purchases that post and settle
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

GAP insurance required for 100% financing.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Maximum Financing:
New – 90% purchase price up to $60,000
Used – 80% book value up to $50,000

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Maximum Financing:

90% appraised value up to $50,000

Advertised rate applies to automatic payment or payroll deduction. Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

¹Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

²Rate varies based on average prime rates and other loan characteristics.

³Member Loyalty Rate Discount does not apply.

⁴All home loan rates and offers apply to an owner-occupied, primary residence within New York State.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Maximum Financing:
$20,000

Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Member Loyalty Rate Discount does not apply.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

¹Advertised rate applies to automatic payment or payroll deduction—Add ½% to the above rate for other payment options.

²Rate varies based upon average prime rate, plus other loan characteristics.

³Member Loyalty Rate discount not applicable on this product.

⁴All home loan rates and offers apply to an owner-occupied, primary residence within New York State.

Risk Based Pricing Program – The rates on our risk based pricing program are based on “risk scores” that are calculated by the credit bureau. The most common rating is the “C” rating, and most members will receive that interest rate. The “A” rating is the lowest risk — allowing us to offer these members a lower rate. The “E” rating is the highest risk rating. By charging a slightly higher interest rate, we now have the ability to serve more of these higher risk members — whereas in the past, we were often forced to deny their loan requests.

Rates subject to change without notice.

Rates subject to change without notice.

Penalty for early withdrawal.

Rates subject to change without notice.

Penalty for early withdrawal.

Rates subject to change without notice.