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

Kasasa Cash* Learn More

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* Learn More

Balance Interest Rate APY
All qualifying balances 0.50% 0.50%
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! 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 Learn More

Term Interest Rate APR Monthly 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.

3.125% 3.136% $696.61 (180 months)
20 Year Fixed

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

3.625% 3.634% $586.40 (240 months)
30 Year Fixed

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

3.750% 3.756% $463.12 (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 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 Learn More

Term APR
30% Down, 1 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates
30% Down, 3 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates
30% Down, 5 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates

Farm Machinery Learn More

Term APR
5 Year Fixed 5.500%
Variable (equal to Prime less 0.25) 5.250%

Commercial Real Estate Loans Learn More

Term APR
25% Down, 1 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates
25% Down, 3 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates
25% Down, 5 Year Adjustable Rates may vary - contact the FSB Loan Department for current rates

Auto Loans Learn More

Year Term APR
2019 & 2020 60 months 4.50%
2019 & 2020 48 months 4.25%
2019 & 2020 36 months 4.00%
2018 54 months 4.75%
2018 48 months 4.50%
2018 36 months 4.25%
2017 48 months 5.50%
2017 36 months 5.25%
2016 48 months 5.75%
2016 36 months 5.50%
2015 36 months 6.00%
2014 and older 36 months 7.50%

Other Loans

Type Term APR
Second Mortgage 84 months 7.00%
Personal Loans Term may vary according to loan Rates may vary - contact the FSB Loan Department for current rates
Secured/Unsecured Line of Credit Term may vary according to loan Rates may vary - contact the FSB Loan Department for current rates
Commercial Loans Term may vary according to loan Rates may vary - contact the FSB Loan Department for current rates
Home Equity Line of Credit Variable 6.50%
CD Loans (FSB) Equal to CD Maturity 3% Over Yield

Certificates of Deposit (CDs) Learn More

Term Minimum Deposit Interest Rate APY
91 Days $2,500 1.00% 1.00%1
182 Days $2,500 1.50% 1.51%1
12 Months $1,000 1.80% 1.81%
18 Months $1,000 1.90% 1.91%
24 Months $1,000 1.90% 1.91%
30 Months $1,000 1.90% 1.91%
36 Months $1,000 1.90% 1.91%
48 Months $1,000 1.90% 1.91%
60 Months $1,000 1.90% 1.91%
96 Months $1,000 1.90% 1.91%

 

Rates for July 17, 2019 through July 23, 2019.

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 Learn More

Term Minimum Deposit Interest Rate APY
7 Months $2,500 1.75% 1.76%1
15 Months  $1,000 2.00% 2.01%
27 Months  $1,000 2.10% 2.11%

 

Rates for July 17, 2019 through July 23, 2019.

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