Kasasa Products - Checking & Savings

Dividend Rates Effective January 1, 2022

 Dividend RateAnnual Percentage YieldMinimum Balance
Kasasa SAVER ($0-$50,000).99%1.00%None
Kasasa SAVER (over $50,000)0.29%0.53%-1.00%$50,000.01
Kasasa SAVER (Qualifications NOT met)0.05%0.05%None
Kasasa CASH ($0-$25,000)1.98%2.00%None
Kasasa CASH (over $25,000)0.29%0.64%-2.00%$25,000.01
Kasasa CASH (Qualifications NOT met)0.05%0.05%None
Kasasa CASH BACK0.00%0.00%None

IRA & HSA Variable

Dividend Rates Effective January 1, 2022

TermDividend RateAnnual Percentage YieldMinimum Balance
to Open/Obtain
Annual Percentage
Yield
IRA Variable0.35%0.35%$0.00
HSA Variable0.05%0.05%$0.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo IRA Certificates

Dividend Rates Effective January 1, 2022

TermDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
6 Month0.35%0.35%
$100,000.00
1 Year0.55%0.55%$100,000.00
15 Month0.65%0.65%$100,000.00
2 Year0.75%0.75%$100,000.00
3 Year0.85%0.85%$100,000.00
4 Year0.90%0.90%$100,000.00
5 Year1.00%1.00%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Club Accounts

Dividend Rates Effective January 1, 2022

Account TypeDividend RateAnnual
Percentage
Yield
Minimum
Balance to Open/Obtain
Annual Percentage Yield
Club0.05%0.05%$0.00

Share Draft Checking Accounts

Dividend Rates Effective January 1, 2022

Account TypeDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual
Percentage
Yield
Monthly Fee
if Balance falls
below Minimum
Balance
Regular Checking0.00%0.00%$0.00$0.00
Share Draft Minimum Balance0.05%0.05%$500.00$5.00
Free 4 Me
Checking*
0.00%0.00%$0.00$0.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo Share Certificates

Dividend Rates Effective January 1, 2022

TermDividend RateAnnual
Percentage
Yield
Minimum Balance to Open/Obtain
Annual Percentage
Yield
6 Month0.35%0.35%$100,000.00
1 Year0.55%0.55%$100,000.00
15 Month0.65%0.65%$100,000.00
2 Year0.75%0.75%$100,000.00
3 Year0.85%0.85%$100,000.00
4 Year0.90%0.90%$100,000.00
5 Year1.00%1.00%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

IRA Certificates

Dividend Rates Effective January 1, 2022

TermDividend RateAnnual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
IRA 6 Month0.25%0.25%$500.00
IRA 1 Year0.45%0.45%$500.00
IRA 15 Month0.55%0.55%$500.00
IRA 2 Year0.65%0.65%$500.00
IRA 3 Year0.75%0.75%$500.00
IRA 4 Year0.80%0.80%$500.00
IRA 5 Year0.90%0.90%$500.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Accounts

Dividend Rates Effective January 1, 2022

Account TypeDividend RateAnnual
Percentage
Yield
Minimum to Open/Obtain
Annual Percentage
Yield
Shares (A) No Longer Available0.05%0.05%$25.00-$3,000
Shares (B)0.05%0.05%$25.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Money Market Share Accounts

Dividend Rates Effective January 1, 2022

TierVariable Dividend Rate*Annual
Percentage
Yield
Minimum Balance
to Open/Obtain
Annual Percentage
Yield
$1,000.00 - $24,999.990.15%0.15%$1,000.00
$25,000.00 - $49,999.990.20%0.20%$25,000.00
$50,000.00 - $99,999.990.25%0.25%$50,000.00
$100,000 and over0.35%0.35%$100,000.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Share Certificates

Dividend Rates Effective January 1, 2022

TermDividend RateAnnual
Percentage
Yield
Minimum to Open/Obtain
Annual Percentage
Yield
6 Months0.25%0.25%$500.00
1 Year0.45%0.45%$500.00
15 Months0.55%0.55%$500.00
2 Years0.65%0.65%$500.00
3 Years0.75%0.75%$500.00
4 Years0.80%0.80%$500.00
5 Years0.90%0.90%$500.00
Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Auto, Truck, Motorcycle, ATV, Snowmobile, Travel Trailers (RV's) & Boats

Interest Rates Effective January 1, 2022

YearMax TermInterest RateAnnual Percentage RateMonthly Interest
Payment per $1,000

Auto, Truck

2017 & Newer 843.75%As low as 3.80%$13.58
723.50%As low as 3.56%$15.44
602.85%As low as 2.92%$17.93
482.10%As low as 2.18%$21.78
362.00%As low as 2.11%$28.69
2016 Only724.10%As low as 4.16%$15.72
2012-2016603.60%As low as 3.67%$18.09
2012-2016482.45%As low as 2.53%$21.93
2012-2016362.35%As low as 2.46%$28.84
Max mileage 125,000

Motorcycle, ATV & Snowmobile

2017 & Newer
724.85%As low as 4.91%$16.06
603.35%As low as 3.42%$18.15
482.60%As low as 2.68%$21.99
362.50%As low as 2.61%$28.91
2016 Only725.20%As low as 5.26%$16.22
604.20%As low as 4.27%$18.54
2012-2016483.45%As low as 3.53%$22.37
2012-2016363.35%As low as 3.46%$29.28
Max mileage 25,000

Travel Trailers (RVs) and Boats

2017 & Newer1804.20%As low as 4.22%$7.51
1204.10%As low as 4.16%$10.20
843.85%As low as 3.90%$13.62
603.25%As low as 3.32%$18.11
483.00%As low as 3.08%$22.17
2012 to 2016845.95%As low as 6.00%$14.61
605.75%As low as 5.82%$19.25
485.00%As low as 5.08%$23.07
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Tractors

Interest Rates Effective January 1, 2022

YearMax TermAnnual Percentage RateMonthly Interest Payment per $1,000

Tractors

*Used 2+ years add 2%; max age 10 model years
Minimum $35,000 180As low as 4.25%$7.52
Minimum $15,000120As low as 4.06%$10.15
Minimum $10,00084As low as 3.84%$13.59
60As low as 3.52%$18.20
48As low as 3.40%$22.31

Implements

*Used 2+ years add 2%; max age 7 model years
Minimum $15,000120As low as 4.71%$10.47
Minimum $10,00084As low as 4.49%$13.90
60As low as 4.02%$18.43
48As low as 3.80%$22.49
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Unsecured, Other Secured, & Credit Cards

Interest Rates Effective January 1, 2022

Unsecured**Max TermInterest RatesAnnual Percentage RatePayment per $1,000
$5,000+606.25%As low as 6.32%$19.48
$3,500+
486.00%As low as 6.09%$23.52
$500+365.50%As low as 5.61%$30.25
Other Secured
$5,000+846.40%As low as 6.49%$14.85
$5,000+726.15%As low as 6.26%$16.69
$5,000+
605.75%As low as 5.87%$19.27
$3,500+485.50%As low as 5.65%$23.33
$500+365.00%As low as 5.20%$30.06
Share Secured
603.25%$18.08
CD Secured
Term of CDCD Rate + 3.00%Variable
Energy/Emergency Loan (1 loan per member, $2,500 max)262.50%$39.56
Overdraft LOC
($5,000 Max; A+, A, B & C Credit Only)
Revolving15.00%$50.00
Dirigo Platinum Credit CardRevolving5.95% Introductory Rate then As low as 7.95%2% of balance or $25
Dirigo Platinum Rewards Credit Card (A+,A ,B, & C credit only)RevolvingAs low as 9.95%2% of balance or $25
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Portfolio Mortgages

Interest Rates effective January 1, 2022

Mortgage Rate (A)APRPayment per $1,000
30 Year (Portfolio minimum credit score 680)3.750%3.828%$4.63
20 Year3.500%3.608%$5.80
15 Year3.000%3.138%$6.91
10 Year3.000%3.200%$9.66
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Home Equity

Interest Rates effective January 1, 2022

Home Equity Loan
(closed end)
(+.75% for mobile homes)
Home Equity
(1st Lien)
Home Equity
(Subordinate Lien)
80% LTVRATE (A)APRPayment per $1000RATE (A)APRPayment per $1000
20 Year
(minimum $50,000)
4.125%4.140%$6.13N/AN/AN/A
15 Year3.500%3.519%$7.154.250%4.309%$7.52
10 Year3.250%3.278%$9.774.000%4.085%$10.12
5 Year3.125%3.177%$18.023.875%4.036%$18.36
Home Equity Line of Credit
80% LTVRATE (A) - Base
Prime -.5
APR-Adjusts Monthly based on IndexPayment per $1000RATE (A) - Base
Prime -.25
APR-Adjusts Monthly based on IndexPayment per $1000
80% LTV Prime (5.50)margin.(manufactured housing not eligible) Rate will vary based on credit score & LTV3.250%3.250%Greater of $100 or accrued finance charge during draw period3.500%3.500%Greater of $100 or accrued finance charge during draw period
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Mobile Homes on Land

Interest Rates effective January 1, 2022

Mobile Home on LandRate (A)APRPayment per $1,000
30 Year
(2015+ min. credit score 680)
4.625%4.722%$5.14
20 Year4.375%4.506%$6.26
15 Year3.875%4.040%$7.33
10 Year3.875%4.114%$10.07
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Mobile Homes in a Park

Interest Rates effective January 1, 2022

Mobile Homes in a ParkRate (A)APRPayment per $1,000
20 Year5.000%5.095%$6.60
15 Year4.500%4.870%$7.78
10 Year4.000%4.169%$10.12
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.

Land Loans

Interest Rates Effective January 1, 2022

Land LoanRate (A)APRPayment per $1,000
15 Year5.250%5.684%$8.04
10 Year5.000%5.614%$10.61
Individual loan rates may vary based on creditworthiness, loan-to-value, and loan terms.