APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates effective as of December 19, 2025.
Fees may reduce earnings. Rates are subject to change without notice.
Checking Accounts
Kasasa Cash® Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 to $10,000 | $100 | 4.41% | 4.50% |
| $10,000+ | $100 | 0.99% | 1.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
To earn your 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 direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases
That’s it. Seriously. And even if you don’t meet these qualifications one month, your free account will still earn our base dividend rate. Then you can get back to earning full rewards the very next month.
Vantage Senior Checking Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $2,500 - $9,999 | $100 | 0.05% | 0.05% |
| $10,000 - $19,999 | $100 | 0.10% | 0.10% |
| $20,000+ | $100 | 0.25% | 0.25% |
Savings Accounts
Kasasa Saver® Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 to $50,000 | $5 | 0.99% | 1.00% |
| $50,000+ | $5 | 0.25% | 0.25% |
| All balances if qualifications not met | $5 | 0.10% | 0.10% |
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 1 direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® 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 month.
Savings Accounts Learn More
| Account | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| Regular Savings | $5 | 0.10% | 0.10% |
| IRA Savings Account | $5 | 0.49% | 0.50% |
| Health Savings Account (HSA) | $50 | 0.20% | 0.20% |
Super Savings Money Market Learn More
| Balance | Rate | APY |
|---|---|---|
| $0 - $2,499 | 0.00% | 0.00% |
| $2,500 - $9,999 | 0.05% | 0.05% |
| $10,000+ | 0.15% | 0.15% |
Advantage Plus Money Market Learn More
| Balance | Rate | APY |
|---|---|---|
| $0 - $2,499 | 0.59% | 0.60% |
| $2,500 - $9,999 | 0.69% | 0.70% |
| $10,000 - $24,999 | 0.79% | 0.80% |
| $25,000 - $49,999 | 0.99% | 1.00% |
| $50,000 - $99,999 | 1.19% | 1.20% |
| $100,000-$249,999 | 1.39% | 1.40% |
| $250,000+ | 2.08% | 2.10% |
Certificates Learn More
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 33 Month Special | $500 | 3.55% | 3.60% |
| 21 Month Special | $500 | 3.64% | 3.70% |
| 13 Month Special | $500 | 3.98% | 4.05% |
| 60 Month | $500 | 3.45% | 3.50% |
| 48 Month | $500 | 3.45% | 3.50% |
| 36 Month | $500 | 3.21% | 3.25% |
| 30 Month | $500 | 3.11% | 3.15% |
| 24 Month | $500 | 3.06% | 3.10% |
| 18 Month | $500 | 3.06% | 3.10% |
| 12 Month | $500 | 3.06% | 3.10% |
| 6 Month | $500 | 3.25% | 3.30% |
| 3 Month | $500 | 1.49% | 1.50% |
Early withdrawal penalties and other restrictions may apply. Any fees incurred could reduce earnings. IRA Certificates are only available for terms 12 months or longer.
Business Accounts
Premier Plus Business Checking Learn More
| Balance | Rate | APY |
|---|---|---|
| $0 - $24,999 | 0.00% | 0.00% |
| $25,000 - $49,999 | 0.10% | 0.10% |
| $50,000 - $99,999 | 0.30% | 0.30% |
| $100,000+ | 0.35% | 0.35% |
Business Regular Savings Learn More
| Minimum Opening Deposit | Rate | APY |
|---|---|---|
| $5 | 0.10% | 0.10% |
Business Performance Money Market Learn More
| Balance | Rate | APY |
|---|---|---|
| $5,000 - $24,999 | 0.79% | 0.80% |
| $25,000 - $49,999 | 0.99% | 1.00% |
| $50,000 - $149,999 | 1.48% | 1.50% |
| $150,000 - $299,999 | 1.98% | 2.00% |
| $300,000 - $499,999 | 2.47% | 2.50% |
| $500,000 + | 3.44% | 3.50% |
Business Protection Money Market
| Balance | Rate | APY |
|---|---|---|
| $5,000 - $24,999 | 0.79% | 0.80% |
| $25,000 - $49,999 | 0.99% | 1.00% |
| $50,000 - $149,999 | 1.48% | 1.50% |
| $150,000 - $299,999 | 1.98% | 2.00% |
| $300,000 - $499,999 | 2.22% | 2.25% |
| $500,000 + | 3.20% | 3.25% |
Business Certificates Learn More
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 33 Month Special | $500 | 3.55% | 3.60% |
| 21 Month Special | $500 | 3.64% | 3.70% |
| 13 Month Special | $500 | 3.98% | 4.05% |
| 60 Month | $500 | 3.45% | 3.50% |
| 48 Month | $500 | 3.45% | 3.50% |
| 36 Month | $500 | 3.21% | 3.25% |
| 30 Month | $500 | 3.11% | 3.15% |
| 24 Month | $500 | 3.06% | 3.10% |
| 18 Month | $500 | 3.06% | 3.10% |
| 12 Month | $500 | 3.06% | 3.10% |
| 6 Month | $500 | 3.25% | 3.30% |
| 3 Month | $500 | 1.49% | 1.50% |
Early withdrawal penalties and other restrictions may apply. Any fees incurred could reduce earnings.
Loans
ENVISTABLACK Credit Card Learn More
| Transaction Type | APR | Notes |
|---|---|---|
| Intro Purchase Offer | 4.9%* | Introductory APR, for qualifying members, for a period of 12 billing cycles.* |
| Intro Balance Transfer Offer | 2.9%** | Introductory APR, for qualifying members, for a period of six billing cycles** |
| Purchases | 12.25% to 17.00% | based on credit approval |
| Balance Transfers | 12.25% to 17.00% | Based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Cash Advances | 12.25% to 17.00% | based on credit approval |
| Balance Transfer Fee | $10.00 or 3.00% of the amount of each balance transfer, whichever is greater |
APR = Annual Percentage Rate. Read the full ENVISTABLACK Credit Card disclosure.
*The promotional purchase APR of 4.9% is available to new cardholders on transactions posted to your account for 12 months following account opening. **The promotional balance transfer APR of 2.9% is available to new cardholders on transactions posted to your account for 6 months following account opening. After the promotional period, the standard purchase and balance transfer APR will vary with the market based on the Prime Rate, based on your credit score, will apply. Rates may vary depending on your creditworthiness. All loans are subject to credit approval. Balance Transfer Fee will apply- $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.
Auto & Motorcycle Loans Effective Learn More
| Model Year | Term | Best Rate | APR, as low as* |
|---|---|---|---|
| 2021 & Newer | 60 Months | 5.14% | 5.30% |
| 72 Months | 5.64% | 5.77% | |
| 84 Months | 6.39% | 6.47% | |
| 2020 - 2010 | 48 Months | 5.14% | 5.34% |
| 60 Months | 5.64% | 5.80% | |
| 72 Months | 6.39% | 6.53% | |
| 2009 & Older | 48 Months | 7.49% | 7.69% |
APR= Annual Percentage Rate. Rates based off of financing of $25,000 for 48, 60 and 72 months.
Minimum loan amount of $35,000 for 84 month term.
All rates are best qualifying rates and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. The above rates may vary depending on the loan amount, loan term, the consumer’s credit scores, vehicle year, mileage, and fees. Financing loan origination fees will affect the final APR and monthly payment. Vehicles outside of collateral guidelines are subject to final underwriter approval and may be subject to a higher APR. Other rates and terms available, call 785-228-0149 for details. Current Envista Federal Credit Union loans cannot be refinanced at these rates.
RV & Boat Loans Learn More
| Model Year | Term | Best Rate | APR, as low as* |
|---|---|---|---|
| 2017 & Newer | 84 months | 8.49% | 8.55% |
| 2021 & Newer | 144 months | 9.49% | 9.53% |
| 2016 & Older | 72 months | 8.49% | 8.56% |
APR = Annual Percentage Rate. Rates based off of financing $50,000.
All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans. Other rates and terms available, call 785-228-0149 for details. Current Envista Federal Credit Union loans cannot be refinanced at these rates.
Personal Loans Learn More
| Term | Best Rate | APR as low as* |
|---|---|---|
| 24 months | 13.50% | 15.49% |
| 36 months | 13.75% | 15.13% |
| 48 months | 14.00% | 15.07% |
APR = Annual Percentage Rate. Rates based off of financing $5,000. All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans. Other rates and terms available, call 785-228-0149 for details. Current Envista Federal Credit Union loans cannot be refinanced at these rates.
ATV, Personal Watercraft, and Non-Titled Motorcycle Learn More
| Term | APR |
|---|---|
| Up to 60 months | 9.15% |
APR = Annual Percentage Rate. Rates based off of financing $25,000.
All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.
Other rates and terms available, call 785-228-0149 for details. Current Envista Federal Credit Union loans cannot be refinanced at these rates.
Other Loans
| Type of Loan | APR as low as |
|---|---|
| Shared Secured | 6.41% |
| Certificate Secured | Certificate Rate + 2% (minimum of 5%) |
APR= Annual Percentage Rate. Rates based off of financing $10,000
All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.
Other rates and terms available, call 785-228-0149 for details. Current Envista Federal Credit Union loans cannot be refinanced at these rates.
Mortgage Loans Learn More
| Type | Term | Rate | APR | Payment per $120,000 |
|---|---|---|---|---|
| 15 Year First Mortgage | 15 years | 5.625% | 5.835% |
$988.48 |
| 20 Year First Mortgage | 20 years | 6.000% |
6.169% |
$859.72 |
| 30 Year First Mortgage | 30 years | 6.250% | 6.379% | $738.86 |
| Unimproved Land | 5 years | 6.25% | Call | $2,333.91 |
| Unimproved Land | 10 years | 7.25% | Call | $1408.81 |
| Construction Loans | Term note | 7.75% | Call | Interest Only |
APR = Annual Percentage Rate. All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.
Re-Fi Accelerator Mortgage Loans Learn More
| Type | Term | Rate | APR | Payment per $80,000 |
|---|---|---|---|---|
| 5 Year First Mortgage | 5 year | 5.250% |
5.341% |
$1518.88 |
| 7 Year First Mortgage | 7 year | 5.375% | 5.442% | $1144.86 |
| 10 Year First Mortgage | 10 year | 5.500% |
5.548% |
$868.21 |
APR = Annual Percentage Rate. All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.
Home Equity Fixed Rate Loans Learn More
Up to 80% Loan to Value
| Term | Rate | APR* |
|---|---|---|
| 5 years | 6.15% | 6.297% |
| 7 years | 6.50% |
6.608% |
| 10 years | 6.65% | 6.729% |
| 15 years | 7.15% | 7.207% |
*APR = Annual Percentage Rate.
Assumptions are based on a $50,000 loan.
All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.
Home Equity Line of Credit
| Term | APR as low as^ |
|---|---|
| 5 years | 6.75% |
| 10 years | 7.25% |
| 15 years | 7.75% |
^APR = Annual Percentage Rate.
^Annual Percentage Rate (APR) is variable and based on the WSJ Prime Rate which may change quarterly. The rate is subject to credit approval and subject to change without notice and the maximum APR that can apply is 18%.
All rates listed are best qualifying rates and assume automatic payment. All rates are subject to credit approval, and are subject to change without notice. Rates apply to new Envista loans and refinances from other financial institutions. Your rate will be determined by your credit background, specific loan terms, collateral, and payment method. Higher rates may apply for no equity loans.