APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of September 1, 2018. Fees may reduce earnings. Rates are subject to change without notice.
Checking Accounts
Kasasa Cash*Learn More
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $100 | 1.98% | 2.00% |
| $10,000+ | $100 | 0.25% | 2.00% - 0.41% |
| 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 CheckingLearn 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 - $50,000 | $5 | 0.75% | 0.75% |
| $50,000+ | $5 | 0.25% | 0.75% - 0.42% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
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 AccountsLearn 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 MarketLearn 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 MarketLearn More
| Balance | Rate | APY |
|---|---|---|
| $0 - $2,499 | 0.00% | 0.00% |
| $2,500 - $9,999 | 0.05% | 0.05% |
| $10,000 - $24,999 | 0.20% | 0.20% |
| $25,000 - $49,999 | 0.25% | 0.25% |
| $50,000 - $99,999 | 0.35% | 0.35% |
| $100,000+ | 0.40% | 0.40% |
CertificatesLearn More
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 48 Month Jumbo Special | $100,000 | 3.06% | 3.10% |
| 36 Month Jumbo Special | $100,000 | 2.96% | 3.00% |
| 24 Month Jumbo Special | $100,000 | 2.86% | 2.90% |
| 33 Month Bump Certificate Special1 | $500 | 2.77% | 2.80% |
| 21 Month Bump Certificate Special1 | $500 | 2.67% | 2.70% |
| 15 Month Bump Certificate Special1 | $500 | 2.47% | 2.50% |
| 60 Month | $500 | 2.57% | 2.60% |
| 48 Month | $500 | 2.47% | 2.50% |
| 36 Month | $500 | 2.08% | 2.10% |
| 30 Month | $500 | 1.68% | 1.70% |
| 24 Month | $500 | 1.88% | 1.90% |
| 18 Month | $500 | 0.79% | 0.80% |
| 12 Month | $500 | 0.99% | 1.00% |
| 6 Month | $500 | 0.49% | 0.50% |
| 90 Day | $500 | 0.39% | 0.40% |
1 You may change the certificate rate one time at your option during the term. IRA Certificates are excluded from Bump Certificate Specials.
Early withdrawal penalties and other restriction may apply. Any fees incurred could reduce earnings. Low minimum balances are subject to change without notice.
Business Accounts
Premier Plus Business CheckingLearn 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 SavingsLearn More
| Minimum Opening Deposit | Rate | APY |
|---|---|---|
| $5 | 0.10% | 0.10% |
Business Advantage Money MarketLearn More
| Balance | Rate | APY |
|---|---|---|
| $0 - $4,999 | 0.00% | 0.00% |
| $5,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $99,999 | 0.35% | 0.35% |
| $100,000 - $149,999 | 0.49% | 0.50% |
| $150,000 - $249,999 | 0.64% | 0.65% |
| $250,000+ | 0.84% | 0.85% |
Business CertificatesLearn More
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 48 Month Jumbo Special | $100,000 | 3.00% | 3.10% |
| 36 Month Jumbo Special | $100,000 | 2.96% | 3.00% |
| 24 Month Jumbo Special | $100,000 | 2.86% | 2.90% |
| 33 Month Bump Certificate Special1 | $500 | 2.77% | 2.80% |
| 21 Month Bump Certificate Special1 | $500 | 2.67% | 2.70% |
| 15 Month Bump Certificate Special1 | $500 | 2.47% | 2.50% |
| 60 Month | $500 | 2.57% | 2.60% |
| 48 Month | $500 | 2.47% | 2.50% |
| 36 Month | $500 | 2.08% | 2.10% |
| 30 Month | $500 | 1.68% | 1.70% |
| 24 Month | $500 | 1.88% | 1.90% |
| 18 Month | $500 | 0.79% | 0.80% |
| 12 Month | $500 | 0.99% | 1.00% |
| 6 Month | $500 | 0.49% | 0.50% |
| 90 Day | $500 | 0.39% | 0.40% |
1 You may change the certificate rate one time at your option during the term. IRA Certificates are excluded from Bump Certificate Specials.
Early withdrawal penalties and other restriction may apply. Any fees incurred could reduce earnings. Low minimum balances are subject to change without notice.
Loans
EnvistaBlack Credit CardLearn More
| Transaction Type | APR | Notes |
|---|---|---|
| Purchases |
7.95% to 15.95% |
based on your creditworthiness |
| Balance Transfers | 2.29% to 9.95% | Introductory APR for a period of 6 billing cycles, based on your creditworthiness |
| Cash Advances | 9.95% to 17.95% | based on your creditworthiness |
New & Used VehiclesLearn More
| Year | Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|---|
| 2019 & Newer | up to 72 months | 3.99% | 4.05% | $15.67 |
| 2015 - 2018 | up to 60 months | 3.99% | 4.05% | $18.44 |
| 2014 | up to 48 months | 4.29% | 4.38% | $22.75 |
| 2013 | up to 48 months | 4.39% | 4.48% | $22.78 |
| 2012 | up to 36 months | 4.49% | 4.60% | $29.79 |
| 2011 & Older | up to 36 months | 4.59% | 4.71% | $29.84 |
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.
Rates assume loan to value 80% or less based on NADA clean retail value or MSRP on new purchases and a minimum finance amount of $20,000.
RVs & BoatsLearn More
| Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|
| up to 84 months | 7.45% | 7.50% | $15.34 |
| 120 months | 7.64% | 7.68% | $11.96 |
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.
Rates assume loan to value 80% or less based on NADA clean retail value or MSRP on new purchases and a minimum finance amount of $20,000.
Other Secured LoansLearn More
| Loan Type | Term | Rate | APR | Payment per $1,000 |
|---|---|---|---|---|
| New Lawn Care Equipment | 48 months | 7.45% | 7.50% | $15.34 |
| Golf Carts | 48 months | 7.45% | 7.50% | $15.34 |
| New Personal Watercraft & ATVs | 48 months | 7.45% | 7.50% | $15.34 |
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.
Mortgage LoansLearn More
| Type | Term | Rate | APR | Payment per $120,000 |
|---|---|---|---|---|
| 15 Year First Mortgage | 15 years | 4.000% | 4.069% | $887.63 |
| 20 Year First Mortgage | 20 years | 4.375% | 4.488% | $751.11 |
| 30 Year First Mortgage | 30 years | 4.500% | 4.583% | $608.02 |
| Unimproved Land | 5 years | 5.49% | Call | $2291.95 |
| Unimproved Land | 10 years | 6.49% | Call | $1362.25 |
| Construction Loans | Term note | 6.00% | Call | Interest Only |
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 LoansLearn More
| Type | Term | Rate | APR | Payment per $80,000 |
|---|---|---|---|---|
| 5 Year First Mortgage | 5 years | 4.250% | 4.508% | $1,483.00 |
| 10 Year First Mortgage | 10 years | 4.500% | 4.637% | $830.00 |
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 LoansLearn More
| Type | Term | Rate | APR | Payment per $10,000 |
|---|---|---|---|---|
| Fixed Rate | 5 years | 4.99% | 5.130% | $189.00 |
| Fixed Rate | 10 years | 5.99% | 6.070 | $111.00 |
| Fixed Rate | 15 years | 7.49% | 7.550% | $93.00 |
| Variable Rate^ | 5 years | 5.00% | 5.146% | $189.00 |
| Variable Rate^ | 15 years | 6.00% | 6.059% | $85.00 |
^ Annual Percentage Rate (APR) is variable and equal to the WSJ Prime Rate which may change quarterly. The rate is subject to credit approval and 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.