APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of 12/18/2017. Fees may reduce earnings. Rates may change after accounts are opened.

Kasasa Cash*Learn More

Balance Rate APY
$0 - $10,000 1.982% 2.00%
$10,000+ 0.25% 2.00% to 0.41%
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
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

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 dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Kasasa Saver*Learn More

Balance Rate APY
$0 - $10,000 0.995% 1.00%
$10,000+ 0.25% 1.00% to 0.32%
All balances if qualifications not met 0.05% 0.05%

Qualifications

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

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free, and your Kasasa Saver will earn our base dividend rate. Then you can get back to earning rewards the very next month you qualify.

Share Accounts

Account Balance APY
Share Savings / IRA Shares $5+ 0.10%
Club Accounts $5+ 0.10%
Money Market $1,000+ 0.15%
High Yield Savings $75,000+ 1.35%

High Yield Money MakerLearn More

Balance APY
$25,000 - $49,999.99 0.30%
$50,000+ 0.35%

Share CertificatesLearn More

Term Minimum Balance APY
3 Month $2,000 0.65%
6 Month $500 1.50%
12 Month $500 2.25%
18 Month $500 2.25%
24 Month $500 2.50%
30 Month $500 2.50%
36 Month $500 2.75%
48 Month $1000 3.00%
60 Month $1000 3.10%

Penalty for early withdrawal.

Step-Up Share Certificates

Term Minimum Balance APY
24 Month $2,500 2.45%
30 Month $2,500 2.45%
36 Month $2,500 2.70%
48 Month $2,500 2.95%
60 Month $2,500 3.05%

Penalty for early withdrawal.

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

Term Rate
Up to 36 Months As low as 4.50%
Up to 60 Months As low as 4.75%
Up to 120 Months As low as 5.50%
Up to 180 Months As low as 6.00%

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

Term Rate
Up to 36 Months As low as 4.75%
Up to 60 Months As low as 5.00%
Up to 120 Months As low as 5.75%
Up to 180 Months As low as 6.25%

Home Equity Line of CreditLearn More

Term Rate
Variable As low as 1.99%

Personal LoansLearn More

Type APR (as low as)
Unsecured 9.75%
Share Secured 3.25%
Certificate Shared (excludes IRAs) 3.25%
Purchase/Owned Stock 7.45%

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

Auto LoansLearn More

Type APR (as low as)
New Vehicle 3.00%
Used Vehicle 3.25%
New Vehicle (variable) 4.50%
Used Vehicle (variable) 4.75%
Title Secured Vehicle Loan 6.25%
Motorcycle 7.10%
Motor Home/Travel Trailer 7.10%
DrivingSense - New Vehicle 4.00%
DrivingSense - Used Vehicle 4.25%

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

Credit CardsLearn More

Card Type APR
Visa Signature Rewards (Variable Rate) 12.65% - 18.00% APR
Visa Platinum (Fixed Rate) 8.9% - 16.9% APR
Visa Platinum CashBack (Fixed Rate) 10.9% - 17.9% APR