Skip to content

APY = Annual Percentage Yield. Rates and APYs accurate as of October 1st, 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 4.32% 4.25%
$1,000.00 91 Day 4.84% 4.75%

Certificates of Deposit Learn More

Minimum Balance to Earn APY Term APY Interest Rate
$1000 91 Day CD 4.84% 4.75%
$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 days interest 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 4.32% 4.25%
$500 2 Year CD 3.29% 3.25%
$500 3 Year CD 2.78% 2.75%

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  2.09% 2.07% 30 Day Avg SOFR* minus 60% of the 30 Day Avg SOFR rate index $500
Gold Money Market** 3.41% 3.36% 30 Day Avg SOFR* minus 35% of the 30 Day Avg SOFR rate index $500
Platinum Money Market** 4.75% 4.65% 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