APY = Annual Percentage Yield. Rates effective as of October 15, 2020. Fees may reduce earnings.

Loan Rates

We know every other website rate sheet has 35+ different rates, terms, minimums, maximums, year, make, model...you get the idea. Let’s make this easier and cut to the chase! Give us a call: (605) 342-7776 and speak with a Loan Officer today for your specific rate quote.

Here are a few common rates we currently offer:

  • Auto 2.00% APR*
  • Home Equity Line of Credit 3.75% APR*
  • Credit Cards 7.0% APR*

Advertised rates and terms are subject to change at any time without notice.

Share Certificates Learn More

Term Dividend Rate APY
6 Months 0.05% 0.05%
12 Months 0.25% 0.25%
18 Months 0.35% 0.35%
24 Months 0.40% 0.40%
36 Months 0.55% 0.55%
48 Months 0.65% 0.65%

$1,000.00 minimum

No Bump on 6 Month Investment

12 - 48 Month Investment — 1 Bump Only

Penalty for early withdrawal

Kasasa Cash* Learn More

Balance Dividend Rate APY
0 - $10,000 2.96% 3.00%
$10,000+ 0.25% 3.00% to 0.50%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! 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 12 debit card purchases, each greater than $4.99
  • At least one direct deposit or ACH credit transaction
  • Be enrolled in and agree to receive E-Statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM withdrawal fee refunds the very next month.

Kasasa Saver* Learn More

Balance Dividend Rate APY
0 - $15,000 0.50% 0.50%
$15,000+ 0.25% 0.50% to 0.38%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash or 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 Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases, each greater than $4.99
  • At least one direct deposit or ACH credit transaction
  • Be enrolled in and agree to receive E-Statements

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.