Rates

APY = Annual Percentage Yield. Rates may change after accounts are opened. Fees may reduce earnings.

Kasasa Cash*

RateAPY
Balances up to $10,0002.00%2.00%
Balances over $10,0000.25%2.00% to 0.41%
All balances if qualifications not met0.05%0.05%

Kasasa Cash Qualifications

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Kasasa Saver*

RateAPY
Balances up to $10,0001.00%1.00%
Balances over $10,0000.25%1.00% to 0.32%
All balances if qualifications not met0.05%0.05%

Kasasa Cash Qualifications

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking

Share Accounts

AccountBalanceRateAPY
Share Savings, IRA Shares Club Shares$5 and Up0.10%0.10%

Money Market / Money Maker

AccountBalanceRateAPY
Money Market$1,0000.15%0.15%
High Yield Money Maker$25,0000.30%0.30%
$49,9990.30%0.30%
$50,000+0.35%0.35%

Share Certificates

TermMinimum BalanceRateAPY
3 Month$2,0000.25%0.25%
6 Month$5000.61%0.61%
12 Month$5001.10%1.11%
18 Month$5001.20%1.21%
24 Month$5001.49%1.50%
30 Month$5001.70%1.71%
36 Month$5001.85%1.87%
48 Month$10001.98%2.00%
60 Month$10002.20%2.22%

Penalty for early withdrawal.

Step-Up Share Certificates

TermMinimum BalanceRateAPY
24 Month$2,5001.44%1.45%
30 Month$2,5001.65%1.66%
36 Month$2,5001.80%1.81%
48 Month$2,5001.93%1.95%
60 Month$2,5002.15%2.17%

Penalty for early withdrawal.

Fixed Home Equity Loans (up to 80% Loan to Value)

TermRate
Up to 36 MonthsAs low as 3.75%
Up to 60 MonthsAs low as 4.00%
Up to 120 MonthsAs low as 4.75%
Up to 180 MonthsAs low as 5.25%

Fixed Home Equity Loans (81-90% Loan to Value)

TermRate
Up to 36 MonthsAs low as 4.00%
Up to 60 MonthsAs low as 4.25%
Up to 120 MonthsAs low as 5.00%
Up to 180 MonthsAs low as 5.50%

Home Equity Line of Credit

TermRate
VariableAs low as 1.99%

Loans

TypeAPR As Low As^
Personal Loans
Unsecured9.75%*
Share Secured3.25%*
Certificate Shared (excludes IRAs)3.25%*
Purchase/Owned Stock7.45%*
Auto Loans
New Vehicle2.70%*
Used Vehicle2.75%*
New Vehicle (Variable)As low as 3.75%
Used Vehicle (Variable)As low as 4.00%
Title Secured Vehicle Loan6.25%*
Motorcycle7.10%*
Motor Home/Travel Trailer7.10%*

APR = Annual Percentage Rate.

* Rates include a .25% discount for repayment via Payroll Deduction or Automatic Transfer from a BFCU Account.

Credit Cards

Card TypeAPR
Visa Signature Rewards (Variable Rate)11.90% - 18.00% APR
Visa Platinum (Fixed Rate)8.9% - 16.9% APR
Visa Platinum CashBack (Fixed Rate)10.9% - 17.9% APR

APR = Annual Percentage Rate.