Rates

APY = Annual Percentage Yield. Interest rates effective as of September 24, 2025. Fees may reduce earnings.

These accounts have a variable rate feature and the rate may change after the account is opened.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Interest Rate APY
0 - $10,000 $100 4.89% 5.00%
$10,000+ $100 0.99% 1.00%
Qualifications not met $100 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have and maintain agreement to receive e-statments
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking
  • See full details here

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

Kasasa Saver* See Details

Balance Interest Rate APY
0 - $25,000 2.47% 2.50%
$25,000+ 1.48% 1.49%
Qualifications not met 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have and maintain agreement to receive e-statements
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking
  • See full details here

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

Investors Savings Accounts See Details

Balance Interest Rate APY
$50 - $4,999.99 0.55% 0.55%
$5,000 - $49,999.99 0.95% 0.95%
$50,000+ 1.29% 1.30%

Investors Checking Account See Details

Balance Interest Rate APY
$1,000 - $9,999.99 0.35% 0.35%
$10,000 - $49,999.99 0.75% 0.75%
$50,000+ 1.24% 1.25%

Money Market Account See Details

Balance Interest Rate APY
$5,000 - $49,999.99 1.19% 1.20%
$50,000 - $99,999.99 1.64% 1.65%
$100,000 + 2.42% 2.45%

Fixed Rate Certificates of Deposit ($1,000 Minimum) See Details

Balance Interest Rate APY
6 Months 3.25% 3.30%
12 Months 3.11% 3.15%
24 Months 2.57% 2.60%
36 Months 2.57% 2.60%
48 Months 2.52% 2.55%
60 Months 2.52% 2.55%

A penalty may be imposed for early withdrawal.

Fixed Rate Certificates of Deposit ($25,000 Minimum) See Details

Term Interest Rate APY
6 Months 3.30% 3.35%
12 Months 3.15% 3.20%
24 Months 2.81% 2.85%
36 Months 2.62% 2.65%
48 Months 2.62% 2.65%
60 Months 2.62% 2.65%

A penalty may be imposed for early withdrawal.

Fixed Rate Certificates of Deposit ($100,000 Minimum) See Details

Balance Interest Rate APY
6 Months 3.35% 3.40%
12 Months 3.15% 3.20%
24 Months 2.86% 2.90%
36 Months 2.67% 2.70%
48 Months 2.62% 2.65%
60 Months 2.62% 2.65%

A penalty may be imposed for early withdrawal.

Individual Retirement Accounts (Variable Rate) See Details

Balance Term Interest Rate APY
$250 - $9,999.99 36 Months Variable Rate 2.47% 2.50%
$10,000+ 36 Months Variable Rate 2.96% 3.00%

A penalty may be imposed for early withdrawal. These accounts have a variable rate feature and the rate may change after the account is opened.

Health Savings Account (Variable Rate) See Details

Balance Interest Rate APY
$0 - $1,999.99 0.55% 0.55%
$2,000 - $4,999.99 0.75% 0.75%
$5,000 - $19,999.99 1.00% 1.00%
$20,000+ 1.19% 1.20%

These accounts have a variable rate feature and the rate may change after the account is opened.

Loan Interest Rates

Home, Auto, Consumer, Commercial, & Agricultural Loans

Please call our loan officers in Kimball (320) 398-3500, St. Augusta (320) 251-6100, Atwater (320) 974-8861 or Kandiyohi (320) 382-6100.