APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Rates effective as of October 25, 2024.
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 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 Bump Special1 $500 3.45% 3.50%
21 Month Bump Special1 $500 3.45% 3.50%
15 Month Bump Special1 $500 3.45% 3.50%
13 Month Special $500 4.18% 4.25%
60 Month $500 2.96% 3.00%
48 Month $500 3.21% 3.25%
36 Month $500 3.21% 3.25%
30 Month $500 3.45% 3.50%
24 Month $500 3.45% 3.50%
18 Month $500 3.45% 3.50%
12 Month $500 3.94% 4.00%
6 Month $500 3.94% 4.00%
90 Day $500 2.52% 2.55%

1You 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 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 Bump Certificate Special1 $500 3.45% 3.50%
21 Month Bump Certificate Special1 $500 3.45% 3.50%
15 Month Bump Certificate Special1 $500 3.45% 3.50%
13 Month Special $500 4.42% 4.50%
60 Month $500 2.96% 3.00%
48 Month $500 3.21% 3.25%
36 Month $500 3.21% 3.25%
30 Month $500 3.45% 3.50%
24 Month $500 3.45% 3.50%
18 Month $500 3.45% 3.50%
12 Month $500 3.94% 4.00%
6 Month $500 4.76% 4.85%
90 Day $500 2.52% 2.55%

1You 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 restrictions may apply. Any fees incurred could reduce earnings.

Loans

Loan Payment Calculator

EnvistaBlack Credit Card Learn More

Transaction Type APR Notes
Purchases 11.95% to 17.95% based on credit approval
Balance Transfers 11.95% to 17.95% Introductory APR for a period of 6 billing cycles, based on credit approval
Cash Advances 13.95% to 17.95% based on credit approval

Auto & Motorcycle Loans Learn More

Year Term Rate APR
2020 & Newer Up to 60 months 5.89% 6.10%
2020 & Newer 72 months 6.39% 6.57%
2020 & Newer 84 months+ 7.14% 7.24%
2019 - 2015 48 months 5.89% 6.10%
2019 - 2015 60 months 6.39% 6.57%
2019 - 2015 72 months 7.14% 7.24%
2014 & Older 48 months 8.04% 8.36%

 

APR = Annual Percentage Rate.

+Minimum loan amount of $40,000 for 84 month term.

2020 & Newer rates based off of financing of a $25,000 vehicle.
2019-2015 rates based off of financing of a $25,000 vehicle.
2014 & Older rates based off of financing of a $15,000 vehicle.

All rates listed are best qualifying rates. Rates apply to new Envista loans and refinances from other financial institutions. Final APR and monthly payment is determined based on borrower(s) credit score, total amount financed and final loan terms. Financing loan origination fees will affect final loan APR and monthly payment. Vehicles outside of collateral guidelines are subject to final underwriter approval and may be subject to a higher APR. Subject to approval and credit worthiness of applicant(s).

RV & Boat Loans Learn More

Term APR
up to 84 months 8.95%
120 months 9.43%

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.

Personal Loans Learn More

Term APR
24 months 13.50%
36 months 13.79%
48 months 14.30%
60 months 14.93%

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 Secured Loans Learn More

Term APR
up to 60 months 9.05%

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.

Mortgage Loans Learn More

Type Term Rate APR Payment per $120,000
15 Year First Mortgage 15 years 6.250% 6.464% $1028.91
20 Year First Mortgage 20 years 6.500% 6.672% $894.69
30 Year First Mortgage 30 years 6.750% 6.883% $778.32
Unimproved Land 5 years 7.25% Call $2390.32
Unimproved Land 10 years 7.75% Call $1440.13
Construction Loans Term note 8.75% 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 5.875% 5.967% $1541.98
7 Year First Mortgage 7 year 6.000% 6.067% $1168.68
10 Year First Mortgage 10 year 6.125%

6.174%

$893.19

 

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 Loans Learn More

Type Term Rate APR LTV
Fixed Rate 5 years 6.400% 6.548% up to 80% LTV
Fixed Rate 7 years 6.650%

6.759%

up to 80% LTV
Fixed Rate 10 years 6.900% 6.980% up to 80% LTV
Fixed Rate 15 years 7.400% 7.458% up to 80% LTV
Variable Line of Credit^ 5 years 8.000% 8.000%  
Variable Line of Credit^ 10 years 8.500% 8.500%  
Variable Line of Credit^ 15 years 9.000% 9.000%  

 

APR = Annual Percentage Rate.

^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%.

^ 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.