Top-of-the-Market Rates | Envista Credit Union | Topeka, KS - Lawrence, KS - Hutchinson, KS Skip to content

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 Savings Accounts Business Accounts Loans

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 2.72% 2.75%
36 Month Jumbo Special $100,000 2.72% 2.75%
24 Month Jumbo Special $100,000 2.58% 2.60%
33 Month Bump Certificate Special1 $500 2.48% 2.50%
21 Month Bump Certificate Special1 $500 2.28% 2.30%
15 Month Bump Certificate Special1 $500 1.89% 1.90%
60 Month $500 2.28% 2.30%
48 Month $500 1.98% 2.00%
36 Month $500  1.89% 1.90%
30 Month $500  1.69% 1.70%
24 Month $500  1.59% 1.60%
18 Month $500  0.79% 0.80%
12 Month $500  0.79% 0.80%
6 Month $500  0.49% 0.50%
90 Day $500  0.35% 0.35%

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 2.72% 2.75%
36 Month Jumbo Special $100,000 2.72% 2.75%
24 Month Jumbo Special $100,000 2.58% 2.60%
33 Month Bump Certificate Special1 $500 2.48% 2.50%
21 Month Bump Certificate Special1 $500 2.28% 2.30%
15 Month Bump Certificate Special1 $500 1.89% 1.90%
60 Month $500 2.28% 2.30%
48 Month $500 1.98% 2.00%
36 Month $500  1.89% 1.90%
30 Month $500  1.69% 1.70%
24 Month $500  1.59% 1.60%
18 Month $500  0.79% 0.80%
12 Month $500  0.79% 0.80%
6 Month $500  0.49% 0.50%
90 Day $500  0.35% 0.35%

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 4.375% 4.438% $910.34
20 Year First Mortgage 20 years 4.750% 4.860% $775.47
30 Year First Mortgage 30 years 4.875% 4.956% $635.05
Unimproved Land 5 years 5.49%  Call $2291.95
Unimproved Land 10 years 6.49%  Call $1362.25
Construction Loans Term note 5.50%  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 4.625% 4.935% $1,497.00
10 Year First Mortgage 10 years 4.875% 5.040% $844.00

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 4.49% 4.636% $187.00
Fixed Rate 10 years 5.49% 5.570% $109.00
Fixed Rate 15 years 6.99% 7.050% $90.00
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.

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