| Balance | Dividend Rate | APY |
|---|---|---|
| Balance up to $10,000 | 2.71% | 2.75% |
| Balances over $10,000 | 0.20% | 2.75% - 0.43% |
| All balances if qualifications aren't met | 0.020% | 0.02% |
To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle**:
- Have at least 12 check card purchases post and settle*
- Have at least 1 bill pay transaction OR 1 automatic credit* or payment (ACH) post and settle
- Be enrolled and receive e-statement notice.
| Balance | Dividend Rate | APY |
|---|---|---|
| Balances up to $20,000 | 1.48% | 1.50% |
| Balances over $20,000 | 0.200% | 1.50% - 0.41% |
| All balances if qualifications aren't met | 0.02% | 0.02% |
- Have at least 12 check card purchases post and settle*
- Have at least 1 bill pay transaction OR 1 automatic credit* or payment (ACH) post and settle
- Be enrolled and receive e-statement notice
| Product | Term | APR |
|---|---|---|
| Personal Loans | 1 year | 4.00% - 16.00%^ |
| 2 Year | 4.50% - 16.00%^ | |
| 3 Year | 5.00% - 16.00%^ | |
| 4 Year | 5.50% - 16.50%^ | |
| 5 Year | 6.00% - 17.00%^ | |
| 6 Year | 6.50% - 17.50%^ | |
| 7 Year | 7.00% - 17.99% |
|
| PV Loans | 5 Year | 4.00%-9.00% |
| 7 Year | 5.00%-10.00% | |
| 10 Year | 6.00%-11.00% | |
| 15 Year | 7.00%-12.00% | |
| Line of Credit | N/A | 7.00% - 17.50% |
| Visa Signature Credit Card | N/A | 9.25%-18.00% |
| Visa Platinum Credit Card | N/A |
9.99% |
| Visa Credit Card | N/A |
11.99% |
| Share Secured Visa Credit Card | N/A |
7.00% |
Rates range from 3.25% - 18.00% APR and are based on your credit history. Certain terms and conditions apply.
^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act
| Product | Term | APR |
|---|---|---|
| 100% Share Secure | 5 year | 3.25%-6.25% |
| 100% Share Secure | 7 year | 3.75%-6.25% |
| 100% Share Secure | 10 year | 4.25%-6.25% |
| 50% Share Secure | 7 year |
7.00% |
| 25% Share Secure | 7 year |
8.00% |
| 105 Share Secure | 7 year |
8.50% |
Rates range from 3.25% - 18.00% APR and are based on your credit history. Certain terms and conditions apply.
^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
| Product | Term | APR |
|---|---|---|
| New - 100% Financing | 5 Years | 4.00% - 16.00%^ |
| 6 Years | 4.50% - 17.00%^ | |
| Used - 100% Financing (Wholesale Kelly Blue Book Value) | 5 Years | 4.75% - 17.99%^ |
| 6 Years* | 5.00% - 17.99%^ | |
| 7 Years** | 6.25% - 17.99%^ |
Rates range from 4.00% - 18.00% APR and are based on your credit history. Certain terms and conditions apply.
^APR is Annual Percentage Rate. Rates quoted above assume excellent borrower credit history. Actual rates are based on credit rating, loan term and year of vehicle.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
| Product | Term | APR |
|---|---|---|
| Mortgages and Home Equity Lines of Credit | Please call | (808) 245-6791 |
| Account Name | Min. Balance to Earn Dividends | APY | Min. Opening Deposit |
|---|---|---|---|
| Share Savings | $100 | 0.10% | $5 |
| Business Savings | $100 | 0.10% | $100 |
| Sub Shares | $100 | 0.10% | $5 |
| Multiple Signature Shares | $100 | 0.10% | $5 |
| Christmas Club | $.01 | 0.10% | $5 |
| Share Draft Checking | $.01 | 0.05% | $25 |
| Business Checking | $10,000 | 0.05% | $1,000 |
| IRA Shares | $100 | 0.10% | $25 |
| Roth IRA Shares | $100 | 0.10% | $25 |
| Roth Conversion IRA Shares | $100 | 0.10% | $25 |
| Coverdell ESA Shares | $100 | 0.10% | $25 |
| CUMMSA | $2000 or more | 0.25% | $2,000 |
| CUMMSA | Less than $2000 | 0.05% | |
| Premier CUMMSA | $25,000 | 0.35% | $25,000 |
This rate schedule states rates applicable to specified accounts. For CUMMSA, dividends are credited to your account and compounded monthly. For all other share accounts, dividends are credited to your account and compounded every quarter. Fees or other conditions could reduce the earnings on the account. This schedule is incorporated as a part of your account agreement with Gather FCU. Minimum balance requirements apply to average daily balance (amount of principal in account each day). All savings rates are variable; this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors.
The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Dividends for the Sure Account, IRA, Roth and Coverdell ESA Share Certificate Accounts are credited and compounded quarterly. For the 3-Month Share Certificate, dividends are credited upon maturity and transferred to a designated share account or a check mailed to member. For all other Share Certificate Accounts, dividends are credited monthly and transferred to a designated share account or a check mailed to member. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (808) 245-6791.
Rates effective as of 10/20/2022
Fees may reduce earnings.
