APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 11/22/2016. Fees may reduce earnings.

Kasasa Cash* See Details

Balance Interest Rate APY
$0 - $25,000 2.47% 2.50%
$25,000+ 0.25% 2.50% to 0.70%
All balances if qualifications not met 0.03% 0.03%

  • $1 minimum deposit to open
  • Interest rates may vary

Qualifications

Earning Your Rewards is Easy! It's so simple to qualify, you're probably already doing it. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit, ACH credit, or ACH payment transaction post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

That's it. If you don't meet the qualifications one cycle, don't worry. There is no penalty, and you still have a checking account that earns our base interest rate. Then you can get right back to earning your rewards the very next cycle!

Kasasa Saver* See Details

Balance Interest Rate APY
All qualifying balances 0.50% 0.50%
Qualifications not met 0.03% 0.03%

  • $1 minimum deposit to open
  • Interest rates may vary

Qualifications

Earning Your Rewards is Easy! Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit, ACH credit, or ACH payment transaction post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

Simple as that. Even if you don't qualify, there's still no monthly service fee for either of your Kasasa® accounts, and you'll still earn interest at the base rate. Plus, you can get back to earning huge rewards the very next month!

Real Estate Loans See Details

TermInterest RateAPRMonthly P&I Payment (Number of Payments)
15 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

3.250% 3.261%
$702.67 (180 months)
20 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

3.750% 3.759%
$592.89 (240 months)
30 Year Fixed

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

4.000% 4.006%
$477.42 (360 months)
Rural Development (30 Years)

Payment amount does not include taxes or insurance and the actual payment obligation will be greater.

4.375% 4.981%
$513.42 (360 months)
Construction Loan (6 Months) Contact us for up to the minute rate - -

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

Assumptions:

The annual percentage rates (APRs) and monthly principal and interest (P&I) payments shown are based on the following assumptions:

  • 20% down payment
  • $100,000 loan amount
  • No Cash Out
  • 740 credit score

Borrowers may be asked to pay other third party fees associated with the mortgage application as applicable: appraisal fee, flood determination fee, credit report fee, title insurance, private mortgage insurance if less than 20% down payment is made on the loan, hazard insurance, county recording fee, and local transfer tax (on purchase only).

Rates are not guaranteed and are subject to change without notice.

Farm Real Estate Loans See Details

TermAPR
30% Down, 1 Year Adjustable 5.00%
30% Down, 3 Year Adjustable 5.50%
30% Down, 5 Year Adjustable 5.75%

Farm Machinery See Details

TermAPR
5 Year Fixed 4.5%
Variable (2.00% under FSB Base) 4.25%

Auto Loans See Details

YearAPRTerm
2016-new 4.50% 60 months
2016-new 4.25% 48 months
2016-new 4.00% 36 months
2015 4.75% 54 months
2015 4.50% 48 months
2015 4.25% 36 months
2014 5.50% 48 months
2014 5.25% 36 months
2013 5.75% 48 months
2013 5.50% 36 months
2012 6.00% 36 months
2011 and older 7.50% 36 months

Other Loans

TypeAPRTerm
Second Mortgage 5.75% 84 months
Personal Loans Rates may vary - contact the FSB Loan Department for current rates. Term may vary according to loan.
Secured/Unsecured Line of Credit Rates may vary - contact the FSB Loan Department for current rates. Term may vary according to loan.
Commercial Loans Rates may vary - contact the FSB Loan Department for current rates. Term may vary according to loan.
Home Equity Line of Credit 5.25% Variable
CD Loans (FSB) 3% Over Yield Equal to CD Maturity

Certificates of Deposit (CDs) See Details

TermMinimum DepositRateAPY
91 Days $2500 0.50% 0.50%1
182 Days $2500 0.75% 0.75%1
12 Months $1000 1.50% 1.51%
18 Months $1000 1.10% 1.10%
24 Months $1000 1.20% 1.20%
30 Months $1000 1.40% 1.40%
36 Months $1000 1.40% 1.40%
48 Months $1000 2.05% 2.06%
60 Months $1000 1.85% 1.86%
96 Months $1000 1.85% 1.86%

Rates for October 18, 2017 through October 24, 2017.

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 6 Months Interest
  • Over 1 Year through 8 year terms have a penalty of 12 Months Interest

All Individual Retirement Accounts:

  • 32 Day through 1 Year terms have a penalty of 6 Months Interest
  • Over 1 Year through 8 Year terms have a penalty of 12 Months Interest

This week's Certificate of Deposit Specials

TermMinimum DepositRateAPY
7 Months $1000 1.20% 1.20%1
34 Months $1000 1.70% 1.71%

Rates for October 18, 2017 through October 24, 2017.

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 6 Months Interest
  • Over 1 Year through 8 year terms have a penalty of 12 Months Interest

All Individual Retirement Accounts:

  • 32 Day through 1 Year terms have a penalty of 6 Months Interest
  • Over 1 Year through 8 Year terms have a penalty of 12 Months Interest