Rates

Rates effective as of 02/1/2019. Rates subject to change at any time.

Fees may reduce earnings. APY = Annual Percentage Yield.

Kasasa Cash*

BalanceMinimum Required Opening DepositRateAPY
$0 - $30,000$1002.96%3.00%
$30,000+$1000.25%3.00% to 0.25%
All balances if qualifications are not met$1000.05%0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit, 1 automatic payment (ACH), or 1 bill pay post and settle
  • Be enrolled in and log into Online Baking

Kasasa Saver for Cash*

BalanceMinimum Required Opening DepositRateAPY
$0 - $100,000$1001.75%1.75%
$100,000+$100.50%1.75% to .50%
All balances if qualifications are not met$1000.05%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 10 debit card purchases post and settle
  • Be enrolled and agree to receive eStatement notice
  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • Be enrolled in and log into Online Baking

Kasasa Saver for Cash Back*

BalanceMinimum Required Opening DepositRateAPY
$0 - $50,000$1001.00%1.00%
$50,000+$1000.50%0.50% to 1.00%
All balances if qualifications are not met$1000.05%0.05%

Qualifications

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit, 1 automatic payment (ACH), or 1 bill pay post and settle

Certificate of Deposit^

Product NameMinimum Opening DepositMinimum BalanceRateAPY
6 Month Certificate of Deposit^$500.00$500.001.73%1.75%
12 Month Certificate of Deposit^$500.00$500.001.98%2.0%
18 Month Certificate of Deposit^$500.00$500.002.47%2.50%
24 Month Certificate of Deposit^$500.00$500.002.71%2.75%
36 Month Certificate of Deposit^$500.00$500.002.96%3.0%
48 Month Certificate of Deposit^$500.00$500.003.10%3.15%
60 Month Certificate of Deposit^$500.00$500.003.20%3.25%

^Early withdrawals may result in a penalty equivalent to 90 days of interest if your term is between 6 and 12 months. Early withdrawals may result in a penalty equivalent to 180 days of interest if your term is greater than 12 months.

Money Market Account

Daily Balances of:Minimum Opening DepositMinimum Balance to Obtain APYRateAPY
up to $24,999.99$2,500.00$2,500.00^0.10%0.10%
$25,000.00 - $49,999.99$2,500.00$2,500.00^0.30%0.30%
$50,000.00 and up$2,500.00$2,500.00^0.50%0.50%

Business Money Market Account

Daily Balances of:Minimum Opening DepositMinimum Balance to Obtain APYRateAPY
up to $24,999.99$2,500.00$2,500.00^0.10%0.10%
$25,000.00 - $49,999.99$2,500.00$2,500.00^0.30%0.30%
$50,000.00 and up$2,500.00$2,500.00^0.50%0.50%

Main Street Bank Savings Account

Daily Balances of:Minimum Opening DepositMinimum Balance to Obtain APYRateAPY
up to $99,999.99$100.00$100.00^0.15%0.15%
$100,000.00 - $199,999.99$100.00$100.00^0.25%0.25%
$200,000.00 - $399,999.99$100.00$100.00^0.50%0.50%
$400,000.00 and up$100.00$100.00^0.75%0.75%

Loan Rates

We offer all types of consumer, commercial, agricultural, and real estate loans. For more information on interest rates and terms, please contact your nearest financial center.