Unlock all that potential waiting right inside your front door.
Leverage your home’s current value to finance renovations, projects, and whatever else you’ve been waiting for.
Benefits You'll Love
- Borrow up to 90% of your home’s value
- Conveniently take as long as 15 years to repay
- Explore repayment terms that are customizable to you
- Receive local, fast, decision-making and processing
- Use your home equity as collateral for a term loan
- Competitive rates for a wide range of needs
- Flexible terms for payments you can afford
- The interest paid might be tax deductible1
- Easy efficient processing, from start to finish
- Detailed, attentive service from people you know
- Introductory APR of 1.75% for 6 months and as low as 5.75% APR thereafter2
- No closing costs on credit lines up to $250,0003
- Draw what you need, when you need it
- Transfer funds to/from your account via online & mobile banking
- Pay interest only on what you use
- Pay it down, and then reuse as needed
- Get personalized attention tailored to your needs
- In-house servicing for quick decisions
- Easy application process
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1Consult a tax advisor.
2Subject to Credit Approval. The introductory rate will be in effect for the first six (6) months after the account is opened. Upon expiration of the introductory rate, all balances will accrue interest at the variable standard Annual Percentage Rate, which can range from Prime + 0.50% to Prime + 3.5% using the Wall Street Journal prime rate (currently an APR of 5.25%), not to exceed 18%. Subject to a floor rate of 1.75% APR. Information accurate as of 08/7/2019. After the introductory period, the variable standard APR will be based on borrower's credit rating. This offer is available on new equity lines of at least $10,000.00, and on existing equity lines with an increase in the existing credit line of at least $10,000.00. Property Insurance is required, as is flood insurance, where applicable. Offer is subject to change without notice. Exclusions and limitations may apply.
3No Closing costs for lines up to $250,000, subject to the following: Borrower will pay for the cost of any property insurance and flood insurance, where applicable. Borrower will pay prorated closing costs for lines greater than $250,000.00. Minimum new line, or increase in existing line, of $10,000 required. Prepayment penalty applies: If the Credit Line is closed and the bank releases its lien within two (2) years from the date of closing, borrower will owe a prepayment penalty ranging from $500 - $2,500 depending on the amount of the line, not to exceed 2% of the line amount.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
| Term | Interest Rate | APY |
|---|---|---|
| 3 Months | 1.00% | 1.01% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.10% | 3.15% |
| 18 Months | 3.00% | 3.05% |
| 24 Months | 3.00% | 3.05% |
| 30 Months | 3.00% | 3.05% |
| 36 Months | 3.00% | 3.05% |
Minimum deposit to open is $1,000. Penalty for early withdrawal.
Checking Accounts
| Account | Minimum Deposit To Open | Interest Rate | APY |
|---|---|---|---|
| Business Interest Checking | $1,000 | 0.05% | 0.05% |
Kasasa Cash*
| Balance | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 1.98% | 2.00% |
| $10,000+ | 0.15% | 2.00% to 0.32% |
| All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
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 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
That's it! If for some reason you don't qualify, you still earn the base interest rate. You can get back to earning the full rewards the very next monthly qualification cycle.
Kasasa Saver*
| Balance | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 0.25% | 0.25% |
| $10,000+ | 0.15% | 0.25% to 0.16% |
| All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® 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 or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
And that's it! And if for some reason you don't qualify, you can still earn the base interest rate. You can get back to earning the full rewards the next monthly qualification cycle.
Loan Rates
Our rates are designed to meet several situations. Please call to discuss rates with one of our lenders.
Savings Accounts
| Account | Minimum Deposit To Open | Interest Rate | APY |
|---|---|---|---|
| Regular Savings | $100 | 0.10% | 0.10% |
| Youth Savings | $5 | 0.10% | 0.10% |
| Personal Money Market | $2,500 | 0.05% | 0.05% |
| Business Money Market | $2,500 | 0.05% | 0.05% |