Skip to content

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 5, 2018. Fees may reduce earnings.

Kasasa Cash*Learn More

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $25 1.98% 2.00%
$15,000+ $25 0.50% 2.00% to 0.50%
All balances if qualifications not met $25 0.05% 0.05%

Qualifications

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 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver*Learn More

Balance Minimum Opening Deposit Rate APY
0 - $15,000 $25 1.00% 1.00%
$15,000+ $25 0.50% 1.00% to 0.50%
All balances if qualifications not met $25 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 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

Certificate of Deposit SpecialsLearn More

Term Minimum to Earn Interest Rate APY Early Withdrawal Penalty
11 Month Special $1,000 2.55% 2.58% 3 Months
25 Month Special $1,000 2.75% 2.78% 6 Months
37 Month Special $1,000 2.80% 2.84% 6 Months
49 Month Special $1,000 2.85% 2.89% 9 Months
61 Month Special $1,000 2.90% 2.94% 9 Months
73 Month Special $1,000 3.00% 3.04% 12 Months
97 Month Special $1,000 3.10% 3.14% 18 Months

 

The minimum to open and earn the stated APY is $1,000.00. The minimum to open and earn the stated APY for IRA Certificates of Deposits is $500.00. Substantial Penalty for early withdrawal.

Certificates of DepositLearn More

Term Minimum to Earn Interest Rate APY Early Withdrawal Penalty
31 Day $1,000 0.10% 0.10% 1 Month
92 Day $1,000 0.15% 0.15% 3 Months
182 Day $1,000 0.25% 0.25% 3 Months
12 Month $1,000 0.55% 0.55% 3 Months
18 Month $1,000 0.65% 0.65% 6 Months
24 Month $1,000 0.70% 0.70% 6 Months
30 Month $1,000 0.80% 0.80% 6 Months
36 Month (3 year) $1,000  1.00% 1.00% 6 Months
48 Month (4 year) $1,000  1.30% 1.31% 9 Months
60 Month (5 year) $1,000  1.55% 1.56% 9 Months
72 Month (6 year) $1,000 2.95% 2.98% 12 Months
84 Month (7 year) $1,000  3.00% 3.03% 12 Months
96 Month (8 year) $1,000  3.05% 3.09% 18 Months
108 Month (9 year) $1,000  3.10% 3.14% 18 Months
120 Month (10 year) $1,000  3.15% 3.19% 18 Months

 

The minimum to open and earn the stated APY is $1,000.00. The minimum to open and earn the stated APY for IRA Certificates of Deposits is $500.00. Substantial Penalty for early withdrawal.

Deposit Accounts

Account Minimum to Earn Interest Rate APY
Premium Checking n/a 0.10% 0.10%
Senior Checking n/a 0.10% 0.10%
Statement Savings $50 0.10% 0.10%
Smart Saver $1 0.30% 0.30%
Young Saver $1 0.30% 0.30%
Christmas Club $1 0.20% 0.20%
Vacation Club $1 0.20% 0.20%
IRA Savings Balances up to $500 0.30% 0.30%
IRA Savings Balances of $500+ 0.35% 0.35%
Student Savings Coming Soon    

Money Market Account & Business Money Market AccountLearn More

Balance Rate APY
$50,000+ 0.55% 0.55%
$25,000 - $49,999.99 0.50% 0.50%
$10,000 - $24,999.99 0.45% 0.45%
$2,500 - $9,999.99 0.30% 0.30%
$0 - $2,499.99 0.00% 0.00%

Mortgage LoansLearn More

Term1,4 Interest Rate APR3 Points Payment per $1,0006
15 Year Fixed5 4.500% 4.622% 0 $7.65
20 Year Fixed5 4.750% 4.847% 0 $6.46
30 Year Fixed5 4.875% 4.947% 0 $5.29
3/1 Adjustable2 3.250% 3.312% 0 $4.35
10/1 Adjustable2 4.000% 4.064% 0 $4.77

1 20% down required.

2 Annual Percentage Rate is variable and may increase after consummation.

3 Annual Percentage Rate is based on $75,000 loan amount.

4 Payments must be drafted from a MCS Bank checking account to receive the stated A.P.R.

5 Terms offered require applicants to meet special credit criteria. Hazard Insurance Required. Special rules and restrictions apply. 3/1 and 10/1 adjustable A.P.R. is based on a 30 year term. Please contact one of our loan officers for additional rates and programs.

6 Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation will be higher.

Secondary Mortgage LoansLearn More

Term1 Interest Rate APR2 Points Payment per $1,0003
20 Year Fixed 4.625% 4.757% 0 $6.39
30 Year Fixed 4.750% 4.847% 0 $5.22

1 20% down required.

2 Annual Percentage Rate is based on $75,000 loan amount and payments being drafted from a MCS Bank checking account. Terms offered require applicants to meet special credit criteria. Hazard Insurance Required. Special rules and restrictions apply. Please contact one of our loan officers for additional rates and programs.

3 Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation will be higher.

Home Equity LoansLearn More

Term in Months Interest Rate APR Payment per $1,000
36 Months 2.990% 4.537% $29.08
60 Months 3.740% 4.693% $18.30
84 Months 3.990% 4.685% $13.66
120 Months 4.240% 4.741% $10.24
180 Months 4.990% 5.345% $7.90

Annual Percentage Rate is based on $10,000 loan amount and up to 80% equity. Payments must be drafted from a MCS Bank Checking account to received the stated A.P.R.

New Auto LoansLearn More

Term in Months Interest Rate APR Payment per $1,000
48 Months 4.250% 4.237% $22.69
60 Months 4.500% 4.486% $18.64
72 Months 4.750% 4.736% $15.99

Rates and Annual Percentage Rate require autodraft of payment from a MCS Bank checking account. No down payment required. Rates and Annual Percentage Rate subject to Underwriting. The Rate and Term offered may be less favorable then the Terms offered to consumers who have better credit histories.

Used Auto LoansLearn More

Vehicle Age Term in Months Interest Rate APR Payment per $1,000
2 - 5 Years 36 Months 5.250% 5.235% $29.97
2 - 5 Years 48 Months 5.500% 5.486% $23.14
2 - 5 Years  60 Months 5.750% 5.737% $19.10
6 Years and older 36 Months 7.500% 7.484% $30.99
My First Car Loan: New - 3 years old 60 Months Coming Soon    
My First Car Loan: Older than 3 years 60 Months Coming Soon    

Rates and Annual Percentage Rate require autodraft of payment from a MCS Bank checking account. No down payment required. Rates and Annual Percentage Rate subject to Underwriting. The Rate and Term offered may be less favorable then the Terms offered to consumers who have better credit histories.

Motor Home Loans

Vehicle Age Term in Months Interest Rate APR Payment per $1,000
New Up to 120 Months 8.875% 8.863% $12.60
New 120 - 180 Months 9.125% 9.114% $10.22
Used Up to 120 Months 9.625% 9.613% $13.01

Rates and Annual Percentage Rate require autodraft of payment from a MCS Bank checking account. Calculated payment per $1,000 is based upon the longest term for each rate tier. No down payment required. Rates and Annual Percentage Rate subject to Underwriting. The Rate and Term offered may be less favorable then the Terms offered to consumers who have better credit histories.