Rates

Rates effective as of June 1, 2017. Fees may reduce earnings.
APY = Annual Percentage Yield. 

Kasasa Cash Checking*

Tier Interest Rate APY
$0 - $10,000 1.094% 1.10%
$10,000+ 0.15% 1.15% to 0.24%
Qualifications not met 0.01% 0.01%

To earn Kasasa Cash and Saver rewards, do the following transactions and activities in Kasasa Cash each monthly qualification cycle:

  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled and receive monthly e-statement notice
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into Online Banking

Kasasa Saver Savings*

Tier Interest Rate APY
0 - $10,000 0.15% 0.15%
$10,000+ 0.10% 0.15% to 0.10%
Qualifications not met 0.01% 0.01%

To earn Kasasa Cash and Saver rewards, do the following transactions and activities in Kasasa Cash each monthly qualification cycle:

  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled and receive monthly e-statement notice
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into Online Banking

Certificates of Deposit (CDs)

Term Minimum Balance APY
6 months $1,000 0.15%
12 months $1,000 0.18%
18 months** $1,000 0.20%
24 months $1,000 0.35%
36 months $1,000 0.50%
48 months $1,000 0.75%

Rates subject to change without notification. Minimum balance to open and earn dividends on Share Certificate of Deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

**Rate available to new money Share Certificates only.

Savings Accounts

Accounts Average Daily Balance APY
Savings Account $100.00 0.05%
Money Market Accounts $2,500 - $4,999 0.10%
$5,000 - $9,999 0.10%
$10,000 - $24,999 0.10%
$25,000 - $49,999 0.10%
$50,000+ 0.10%
Holiday Club N/A 0.10%
Vacation Club N/A 0.10%
Mini-Market Accounts $25 - $249 0.10%
$250 - $499 0.10%
$500 - $999 0.10%
$1,000 - $1,999 0.15%
$2,000 - $2,500 0.18%

Individual Retirement Accounts (IRAs)

Term Minimum Balance APY
IRA Savings Account $100 0.05%
6 months Share Certificate $1,000 0.15%
12 months Share Certificate $1,000 0.18%
24 months Share Certificate $1,000 0.35%
36 months Share Certificate $1,000 0.50%
48 months Share Certificate $1,000 0.75%

Rates subject to change without notification. Minimum balance to open and earn dividends on share certificate of deposit is $1,000. A penalty may or will be charged for early withdrawal for the share certificate of deposit.

Auto Loans

New Auto Loans

Term APR*
Up to 30 months 1.99%
Up to 36 months 2.74%
Up to 48 months 2.99%
Up to 60 months 3.24%
Up to 72 months 3.74%
Up to 84** months 4.74%

Used Auto Loans

Term Description APR*
Up to 30 months 2004 & Newer 1.99%
Up to 36 months 2004 & Newer 2.99%
Up to 48 months 2004 & Newer 3.49%
Up to 60 months 2010 & Newer 3.74%
Up to 72 months 2013 & Newer 4.24%
Up to 84** months 2015 & Newer 4.99%

Collectible Car Loans

Please call us at 732-727-3500 ext. 220 for current Rates & Terms!

*APR = Annual Percentage Rate. **Credit score of 680+ only as well as 2014 & newer. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

† Available for cars over 20 years old. Other terms & conditions apply.

Vacation Loans

Borrow Amount Term APR*
Up to $10,000 Up to 24 months 5.99%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

Lifestyle Loans

Borrow Amount Term APR*
From $1,000 up to $10,000 Up to 48 months 6.50%

*APR = Annual Percentage Rate.

Teacher Loans

Auto Loans Please refer to current auto loan rates section
Borrow Amount Term APR*
Personal Loans Up to $10,000 Up to 48 months As low as 6.50%
Vacation Loans Up to $10,000 Up to 24 months As low as 5.99%

*APR = Annual Percentage Rate.

Personal Loans

Borrow Amount Term APR*
Up to $10,000 Up to 48 months 6.50%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

Share Secured Loans

Borrow Amount Term APR*
N/A Up to 48 months 3.00%

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

Home Equity Open Line of Credit

Description Term APR* LTV
Fixed Rate 5 years 3.75% Up to 80% Equity
Fixed Rate 5 years 4.75% 80%-90% Equity
Variable Rate 10 years 4.24% Up to 80% Equity
Variable Rate 10 years 5.24% 80%-90% Equity
Variable Rate 15 years 4.24% Up to 80% Equity
Variable Rate 15 years 5.24% 80%-90% Equity

 

2nd Mortgage

DESCRIPTION TERM APR* LTV
Fixed Rate 5 years 3.75% Up to 90% Equity
Fixed Rate 10 years 4.00% Up to 90% Equity
Fixed Rate 15 years 4.25% Up to 90% Equity
Fixed Rate 20 years 4.50% Up to 90% Equity

 

1st Mortgages Available Call 732-727-3500 ext. 220

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.

$250,000 Max

Visa Platinum

APR* for Purchases As Low As 9.99% APR
Other APR's Default Rate**: 18% APR
Method of Computing the Balance Average Daily Balance Method (including new purchases)**

Interest rates and credit limits based on income and credit qualifications.

**If your payment is 60 days late.

This APR may also be applied to your account if you:

  1. Make a late payment;
  2. Make a payment that is returned; or
  3. Do any of the above on another account that you have with us.

If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.

Fees

Type Amount
Annual Fee None
Cash Advance Fee Over the Counter: 2%, $10 max
ATM: 1%, $5 max
Balance Transfer Fee None
Late Payment $25
Bounced Payment $25
Card Replacement $20

*APR = Annual Percentage Rate. Qualified borrowers only. Rates subject to change without notification. Rates published are base rates. The rate you pay will be based on the number of years your loan is financed, plus your individual creditworthiness.