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Rate = Dividend Rate. APY = Annual Percentage Yield.

Interest rate and APY may change after account is opened. Rates and APYs effective 7/01/2019.

Fees could reduce earnings. Rates and fees may change without notice. Loan terms are subject to approval.

 

Military Lending Act Disclosure

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Please call us at (406) 727-2210 or (800) 721-2242 to receive this disclosure orally.

Kasasa Cash®* Learn More

Balance Rate APY
Balances up to $10,000 1.98% 2.00%
Balances over $10,000+ 0.10% 2.00 to 0.27%
All balances if qualifications not met 0.05% 0.05%

Qualifications to Earn Rewards

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 bill pay or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver®* Learn More

Balance Rate APY
Balances up to $10,000 1.24% 1.25%
Balances over $10,000 0.10% 1.25 to 0.20%
All balances if qualifications not met 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash 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 account during each Monthly Qualification Cycle:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and review eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Checking Accounts

Account Name Rate APY
Bronze Cache Checking 0% 0%
Golden Cache Checking 0%  0%

Savings Accounts

Account Name Minimum Required Opening Deposit Rate APY
Member Savings $25 0.10% 0.10%
Pee Wee Penguin Savings $25 0.10% 0.10%
FYI Savings $25 0.10% 0.10%
IRA Savings $100 0.55% 0.55%
Christmas Club Savings $0 0.30% 0.30%
WINcentive Savings $5 0.10%  0.10%

Money Market Learn More

Balance Rate APY
$0 - $2,499.99 0.10% 0.10%
$2,500 - $49,999.99 0.20% 0.20%
$50,000 - $74,999.99 0.25% 0.25%
$75,000+ 0.35% 0.35%

Share Certificates Learn More

Term Minimum Required Opening Investment Rate APY
6 month $1000 0.45% 0.45%
12 month $1000 0.55% 0.55%
15 month* $1000 2.00% 2.02%
24 month $1000 0.85% 0.85%
36 month $1000 1.15% 1.16%
48 month $1000 1.35% 1.36%

Penalty for early withdrawal - Effective 03/01/16, if you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be: less than one year = 91 days' dividends; 1-3 years = 182 days' dividends; and greater than 3 years = 365 days' dividends. The time frame is based on the original maturity date at time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

*This is a promotional rate share certificate, with rates and terms effective as of 2/12/2019. This certificate will not renew automatically at maturity. Balance of certificate will be placed in a dividend-earning account at maturity. Please see a Member Services Representative for specific Truth in Savings disclosure for this promotional rate share certificate.  

Auto Loans Learn More

Type Term Fixed Rate (APR) As Low As*
2017 and newer vehicles, not over retail Up to 60 months (OAC) 3.49%
2017 and newer vehicles, not over retail Up to 72 months (OAC) 3.49%
2017 and newer vehicles, not over retail Up to 84 months (OAC) 3.99%
2008 to 2016 Up to 60 months (OAC) 3.49%
2008 to 2016 Up to 72 months (OAC) 3.74%
2008 to 2016 Up to 84 months (OAC) 3.99%
2007 and older vehicles Up to 60 months (OAC) 4.99%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $20,000 loan: $363.76 at 3.49% APR with a 60 month term; $308.29 at 3.49% APR with a 72 month term; and $273.30 at 3.99% APR with a 84 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Recreational Vehicle Loans - RV's, Travel Trailers, 5th Wheels, Boats & Boat Packages Learn More

Type Term Fixed Rate (APR) As Low As*
Recreational (2017 & newer) Up to 60 months (OAC) 3.49%
Recreational (2017 & newer) 61-120 months (OAC) 4.75%
Recreational (2017 & newer) 121-180 months (OAC) 6.75%
Recreational (2008 to 2016) Up to 60 months (OAC) 3.75%
Recreational (2008 to 2016) 61-120 months (OAC) 5.00%
Recreational (2008 to 2016) 121-144 months (OAC) 7.00%
Recreational (2007 and older) Up to 60 months (OAC) 4.75%
Recreational (2007 and older) 61-120 months (OAC) 5.25%
Recreational (2007 and older) 121-144 months (OAC) 6.75%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Rates apply to motor homes, travel trailers, 5th wheels, boats and boat packages. Payment example based on a $20,000 loan: $363.76 at 3.49% APR with a 60 month term; $209.74 at 4.75% APR with a 120 month term; and $177.05 at 6.75% APR with a 180 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Toys - ATV's, Motorcycles, Snowmobiles and Personal Watercraft* Learn More

Type Term Fixed Rate (APR) As Low As*
2017 and newer, under 10,000 miles Up to 48 months 3.49%
2017 and newer, under 10,000 miles 49-60 months 3.49%
2017 and newer, under 10,000 miles 61-72 months 3.99%
2008 to 2016, under 15,000 miles Up to 48 months 3.99%
2008 to 2016, under 15,000 miles 49-60 months 4.24%
2008 to 2016, under 15,000 miles 61-72 months 4.74%
2007 or older or high mileage Up to 60 months 4.99%

*Rates apply to utility and side-by-side ATV's, street-legal motorcycles, snowmobiles and personal watercraft. Rates do not apply to sport bikes or off-road bikes. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $223.52 at 3.49% APR with a 48 month term; $181.88 at 3.49% APR with a 60 month term; and $156.84 at 3.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

Off-Road Vehicles Learn More

Type Term Fixed Rate (APR) As Low As*
2017 and newer up to 24 months 4.99%
2017 and newer 25-48 months 4.99%
2017 and newer 49-60 months 4.99%
2016 and older up to 36 months 5.75%

*Rates apply to off-road motorcycles, sport bikes, sport ATV's, dirt bikes and all other off-road bikes. Rates do not apply to street-legal motorcycles and ATV's. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.34 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

Trailers Learn More

Type Term Fixed Rate (APR) As Low As*
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) Up to 24 months 4.99%
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) 25-48 months 4.99%
2017 and newer (flat-bed, horse, car carrier, toy hauler and utility) 49-60 months 4.99%
2016 and older Up to 48 months 5.75%

*Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.06 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.

Other Collateral

Type Term Fixed Rate (APR) As Low As*
2017 and newer Up to 24 months 4.99%
2017 and newer 25-48 months 4.99%
2017 and newer 49-60 months 4.99%
2016 and older up to 48 months 5.75%

*Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $219.33 at 4.99% APR with a 24 month term; $115.13 at 4.99% APR with a 48 month term; and $94.34 with a 60 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

Home Equity Loans Learn More

Term Rate
Line of Credit 4.50% - 9.00% Variable

Mobile Home Loans Learn More

Type Term Fixed Rate (APR) As Low As*
2014 and newer up to 60 months 6.75%
2014 and newer 61-84 months 7.75%
2014 and newer 85-180 months 8.75%
2013 and older up to 60 months 6.75%
2013 and older 61-72 months 7.75%
2013 and older 73-144 months 8.75%

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. To qualify for most favorable rate, mobile homes can be up to 15 years of age.

Personal Loans Learn More

Loan Type Type Rate
Personal Loan (up to 24 months) Fixed As low as 9.90% APR*
Personal Loan (25-36 months) Fixed As low as 9.90% APR*
Personal Loan (37-48 months) Fixed As low as 10.90% APR*
Line of Credit (Personal) Variable 11.50%**

*APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $92.17 at 9.90% APR with a 24 month term. Your APR may differ based on your loan amount, repayment method, and other factors.  

**Personal line of credit rate is based on the Wall Street Journal prime rate plus six percent. Rate, terms and conditions are subject to change based on market conditions.

Share Secured Loans

Loan Type Term
Shares Pledged 3% above highest dividend paid

Residential Land Loans

Term Rate
up to 72 months 5.25% APR
73-144 months 6.0% APR

Real Estate Loans

First Mortgage Rate
Up to 144 months 4.25% APR
145-180 months 4.75% APR
Second Mortgage Rate
Up to 144 months 4.5% APR
145-180 months 5.0% APR