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APY = Annual Percentage Yield. Rates and APYs accurate as of March 15, 2018. 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.

Kasasa Cash®*Learn More

Balance to Earn APY APY Interest Rate
0 to $25,000 2.018% 2.00%
$25,000+ 2.018% to 0.72%  0.40%
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 receive 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.

Kasasa Saver®*Learn More

Balance to Earn APY APY Interest Rate
0 to $25,000 1.00% 1.00%
$25,000+ 1.00% to 0.60% 0.40%
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 receive 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.

Savings Accounts

Account Minimum Balance to Earn APY APY Interest Rate
Everyday Savings $10 0.10% 0.10%

Money MarketLearn More

Balance to Earn APY APY Interest Rate
$500 - $49,999.99 0.25% 0.25%
$50,000 - $124,999.99 0.30% 0.30%
$125,000 - $249,999.99  0.40% 0.40%
$250,000+ 0.50% 0.50%

Certificates of DepositLearn More

Minimum Balance to Earn APY Term APY Interest Rate Gold APY Gold Rate
$1000 91 Day CD 0.15% 0.15% 0.40% 0.40%
$500 6 Month CD 0.50% 0.50% 0.75% 0.75%
$500 1 Year CD 0.75% 0.75% 1.00% 1.00%
$500 2 Year CD 1.00% 1.00% 1.26% 1.25%

Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 days interest for 6-month CDs, 180 days interest for 1-year CDs, and 180 days interest for 2-year CDs.

Individual Retirement AccountsLearn More

Minimum Balance to Earn APY Term APY Interest Rate
$10 IRA Savings 0.10% 0.10%
$500 6 Month IRA 0.50% 0.50%
$500  1 Year IRA 0.75% 0.75%

Early withdrawals may result in penalties: 60 days interest for 6-month IRAs, 180 days interest for 1-year IRA.

Auto Loans

APR Loan to Value Term
3.75% <80% LTV Up to 72 Months
5.00% 80% - 100% LTV Up to 72 Months
6.25% 100% - 120% LTV* Up to 72 Months

 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.

Home Improvement Loans

Max Loan Amount Collateral APR Term
$10,000 Unsecured 5.00% Up to 7 years

Personal Term Loans

APR Term
15.00% Up to 12 Months
15.50% 18 Months
16.00% 24 Months
16.50% 30 Months
17.00% 36 Months

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.

Personal Cash Reserve LoansLearn More

Max Loan Amount Collateral APR Term
$5,000 Unsecured 18.00% Fixed