APY = Annual Percentage Yield. Rates and APYs accurate as of January 9, 2024. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Annual Percentage Rate (APR) is subject to change without notice.
CD Specials
| Minimum Balance to Earn APY | Term | APY | Interest Rate |
|---|---|---|---|
| $500.00 | 7 Month | 4.84% | 4.75% |
| $1,000.00 | 91 Day | 5.51% | 5.40% |
Certificates of Deposit Learn More
| Minimum Balance to Earn APY | Term | APY | Interest Rate |
|---|---|---|---|
| $1000 | 91 Day CD | 5.51% | 5.40% |
| $500 | 6 Month CD | 1.51% | 1.50% |
| $500 | 1 Year CD | 3.03% | 3.00% |
| $500 | 2 Year CD | 2.52% | 2.50% |
| $500 | 3 Year CD | 2.52% | 2.50% |
Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 day sinterest for 6-month CDs, 180 days interest for 1-year Cds, 180 days interest for 2-year CDs and 180 days interest for 3-year CDs.
Platinum CD Specials**
| Minimum Balance to earn APY | Term | APY | Interest Rate |
|---|---|---|---|
| $500 | 1 Year CD | 5.10% | 5.00% |
| $500 | 2 Year CD | 4.06% | 4.00% |
| $500 | 3 Year CD | 3.03% | 3.00% |
Kasasa Cash* Learn More
| Balance to Earn APY | APY | Interest Rate |
|---|---|---|
| Below $25,000.01 | 4.07% | 4.00% |
| $25,000.01 and above | 0.25% - 4.07% | 0.25% |
| Qualifications not met | 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 or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and agree to recieve e-Statements
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.
Personal/Business Money Market Learn More
| Account Type | APY | Interest Rate | Rate Index | Minimum to Earn APY |
|---|---|---|---|---|
| Everyday Money Market | 2.15% | 2.13% | 30 Day Avg SOFR* minus 60% of the 30 Day Avg SOFR rate index | $500 |
| Gold Money Market** | 3.52% | 3.46% | 30 Day Avg SOFR* minus 35% of the 30 Day Avg SOFR rate index | $500 |
| Platinum Money Market** | 4.90% | 4.79% | 30 Day Avg SOFR* minus 10% of the 30 Day Avg SOFR rate index | $500 |
*SOFR - Secured Overnight Financing Rate published by the Federal Reserve Bank of New York
**Must be part of the Preferred Customer program to earn the stated Gold and Platinum Rates. Gold customers have a combined average deposit balance of $100,000 or more and platinum customers have a combined average deposit balance of $250,000 or more. Advertised interest is paid only on balances up to $1,000,000.00. Balances over $1,000,000.00 will not earn interest on the portion of the balance that is over $1,000,000.00. See the Preferred Customer page for more information.
Kasasa Saver* Learn More
| Balance to Earn APY | APY | Interest Rate |
|---|---|---|
| Below $250,000.01 | 1.26% | 1.25% |
| $250,000.01 and above | 0.25% - 1.26% | 0.25% |
| 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 1 direct deposit or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and agree to recieve e-Statements
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.
Platinum Checking
| Balance to Earn APY | APY | Interest Rate |
|---|---|---|
| Below $25,000.01 | 4.07% | 4.00% |
| $25,000.01 and above | 0.50% - 4.07% | 0.50% |
Qualifications
Platinum customers have combined average balances of $250,000+
Platinum Checking and Savings accounts are for personal account use only
Gold and Platinum program is free and qualifications will be reviewed annually. New customers will be added monthly and upon membership of the Gold or Platinum program all benefits will remain over the course of the calendar year pending annual review.
Platinum Savings
| Balance to Earn APY | APY | Interest Rate |
|---|---|---|
| Below $1,000,000.01 | 1.26% | 1.25% |
| $1,000,000.01 and above | 0.25% -1.26% | 0.25% |
Qualifications
Platinum customers have combined average balances of $250,000+
Platinum Checking and Savings accounts are for personal account use only
Gold and Platinum program is free and qualifications will be reviewed annually. New customers will be added monthly and upon membership of the Gold or Platinum program all benefits will remain over the course of the calendar year pending annual review.
Savings Accounts
| Account | Minimum Balance to Earn APY | APY | Interest Rate |
|---|---|---|---|
| Everyday Savings | $10 | 0.05% | 0.05% |
Individual Retirement Accounts Learn More
| Minimum Balance to Earn APY | Term | APY | Interest Rate |
|---|---|---|---|
| $10 | IRA Savings | 0.05% | 0.05% |
| $500 | 6 Month IRA | 1.51% | 1.50% |
| $500 | 1 Year IRA | 1.51% | 1.50% |
Early withdrawals may result in penalties: 60 days interest for 6-month IRAs, 180 days interest for 1-year IRA.
Auto Loans
| APR | Model Year | Term |
|---|---|---|
| 8.50% | 2021-2025 | 72 Months* |
| 9.50% | 2017-2020 | 60 Months |
| 10.00% | 2016 & Older | 48 Months |
* 84 Month Financing is available for 2019-2025 vehicles for an additional .25%
Rate Deductions:
- Deduct .25% for all MNB Mortgage, HELOC, Commercial LOC, Commercial Mortgage or Business Term Loan.
- Deduct .25% for Auto Deduct from an MNB Checking, Savings or Money Market account.
- Deduct .25% for Gold Customers.
- Deduct .35% for Platinum Customers.
- Deduct .25% if LTV is <80%
- Deduct .25% if Hybrid or Electric Vehicle
Minimum interest charge of $100
RV, Boats, and Personal Recreational Vehicles
| APR | Term |
|---|---|
| 10.00% | 60 Months* |
*20% Down is Required
Rate Deductions:
- Deduct .25% for all MNB Mortgage, HELOC, Commercial LOC, Commercial Mortgage or Business Term Loan
- Deduct .25% for Auto Deduct from an MNB Checking, Savings or Money Market Account
- Deduct .25% for Gold Customers.
- Deduct .35% for Platinum Customers.
Minimum interest charge of $100
Home Improvement Loans
| Max Loan Amount | Collateral | APR | Term |
|---|---|---|---|
| $15,000 | Unsecured | 8.00% | Up to 84 months |
Minimum interest charge of $100
Personal Cash Reserve Loans Learn More
| Max Loan Amount | Collateral | APR | Term |
|---|---|---|---|
| $5,000 | Unsecured | 18.00% | Fixed |
Personal Term Loans
| Term | APR |
|---|---|
| Up to 36 Months | 18.00% |
Minimum amount for the loan is $1,000 and the maximum is $5,000.
Rate Deductions:
- Deduct .25% for Auto Deduct from an MNB Checking, Savings or Money Market account.
- Deduct .25% for Gold Customers.
- Deduct .35% for Platinum Customers.
Minimum interest charge of $100