Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Rates effective as of 02/06/2014.

Fees may reduce earnings.

Kasasa Cash*

BalanceRateAPY
$0 - $25,0002.47%2.50%
$25,000+0.25%2.50% to 0.70%
If qualifications not met0.03%0.03%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

Kasasa Saver*

BalanceRateAPY
All qualifying balances0.50%0.50%
If qualifications not met0.03%0.03%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

Real Estate Loan Specials

TermRate
10 Year FixedCurrently 2.75%
Contact us for up to the minute rate.

Real Estate Loans

TermRate15 Year Composite APR30 Year Composite APR
1 Year Adjustable2.750%2.8672%2.8707%
3-1 Year Adjustable3.000%3.0103%3.0056%
5-1 Year Adjustable3.500%3.5103%3.5058%
15 Year FixedCurrently 3.375%
Contact us for up to the minute rate.
20 Year FixedCurrently 4.000%
Contact us for up to the minute rate.
30 Year FixedCurrently 4.250%
Contact us for up to the minute rate.
Rural Development (30 Years)Currently 4.375%
Contact us for up to the minute rate.
Construction Loan (6 Months)4.750%

Due to market fluctuations, interest rates are subject to change at any time and without notice. Contact Loan Department for current rates. Residential Loans include fixed and variable rates which will range from 3.00% to 7.00% APR. The annual percentage rate on variable rate loans may increase after consummation.

Loans with less than 20% down are required to have private mortgage insurance.

APR = Annual Percentage Rate

Farm Real Estate Loans

TermAPR
30% Down, 1 Year Adjustable4.75%
30% Down, 3 Year Adjustable5.25%
30% Down, 5 Year Adjustable5.50%

Farm Machinery

TermAPR
5 Year Fixed3.75%
Variable (2.00% under FSB Base)3.25%

Auto Loans

YearAPRTerm
2013 - 20144.50%60 months
4.25%48 months
4.00%36 months
20124.75%54 months
4.50%48 months
4.25%36 months
20115.50%48 months
5.25%36 months
20105.75%48 months
5.50%36 months
20096.00%36 months
2008 and older7.50%36 months

Other Loans

TypeAPRTerm
Second Mortgage5.75%84 months
Personal LoansRates may vary - contact the FSB Loan Department for current rates.Term may vary according to loan.
Secured/Unsecured Line of CreditRates may vary - contact the FSB Loan Department for current rates.Term may vary according to loan.
Commercial LoansRates may vary - contact the FSB Loan Department for current rates.Term may vary according to loan.
Home Equity5.75%Up to 7 years fixed, amortized up to 15 years
Home Equity Line of Credit4.25%Variable
CD Loans (FSB)3% Over YieldEqual to CD Maturity

Certificate of Deposit (CDs)

Rates for September 10, 2014 through September 16, 2014.

TermMinimum DepositRateAPY
91 Days$25000.12%0.12%1
182 Days$25000.21%0.21%1
12 Months$10000.30%0.30%†
18 Months$10000.41%0.41%†
24 Months$10000.50%0.50%†
30 Months$10000.55%0.55%†
36 Months$10000.80%0.80%†
48 Months$10000.95%0.95%†
60 Months$10001.38%1.38%†
96 Months$10000.95%0.95%†

This week's Certificate of Deposit Specials

TermMinimum DepositRateAPY
9 Months$10000.35%0.35%1
40 Months$10001.05%1.05%†

1 Certificates are not compounded. The annual percentage yield results by investing the principal and interest upon renewal at the initial rate of the certificate.

† Compounded semi-annually on a 365/365 basis with principal and interest reinvested at the initial rate of the certificate.

Substantial penalty will be imposed for premature withdrawal. The penalty will only be calculated on the amount withdrawn, if less than the full deposit.

Early Withdrawal Penalty:

  • 32 Day through 1 Year terms have a penalty of 30 Days Interest
  • Over 1 Year through 8 year terms have a penalty of 90 Days Interest

All Individual Retirement Accounts:

  • 32 Day through 1 Year terms have a penalty of 30 Days Interest
  • Over 1 Year through 8 Year terms have a penalty of 90 Days Interest