Rates

APY = Annual Percentage Yield. Rates effective as of June 01, 2016. Fees may reduce earnings.Rates subject to change without notice.

Kasasa Cash*

Details
Balance Minimum Required Opening Deposit Rate APY
$0 - $7,500 $5 2.00% 2.00%
$7,500+ $5 0.25% 0.25%
All balances if qualifications not met $5 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least 1 automatic payment (ACH) post and settle

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver*

Details
Balance Interest Rate APY
0 - $7,500 0.50% 0.50%
$7,500+ 0.25% 0.25%
Qualifications not met 0.05% 0.05%

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 at least 10 debit card purchases that post and settle
  • Have at least 1 automatic payment (ACH) or bill payment post and settle
  • Be enrolled and receive e-statement

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.

Savings Accounts

Details
Account Minimum Balance Dividend Rate APY2
Regular Savings under $100 0.00% 0.00%
over $100 0.10% 0.10%
Kids Savings under $100 0.00% 0.00%
over $100 0.10% 0.10%
Teen Savings under $100 0.00% 0.00%
over $100 0.10% 0.10%

Retirement and Educational Savings Accounts

Account Accounts Minimum Balance Dividend Rate APY2
Retirement Traditional IRAs $100 0.10% 0.10%
Roth IRAs $100 0.10% 0.10%
Educational Coverdell Education $100 0.10% 0.10%
Health Health Savings (HSA) $100 0.10% 0.10%

Share Certificate and IRA Certificate Accounts1

Details
Term Dividend Rate
$1,000 to $49,999
APY2
$1,000 to $49,999
Dividend Rate
$50,000 to $94,999
APY2
$50,000 to $94,999
Dividend Rate
over $95,000
APY2
over $95,000
6 months 0.45% 0.45% 0.45% 0.45% 0.45% 0.45%
12 months 0.75% 0.75% 0.80% 0.80% 0.85% 0.85%
24 months 1.00% 1.01% 1.05% 1.06% 1.10% 1.11%
36 months 1.25% 1.26% 1.30% 1.31% 1.35% 1.36%
48 months 1.50% 1.51% 1.50% 1.51% 1.55% 1.56%
60 months 1.90% 1.92% 2.00% 2.02% 2.00% 2.02%

1Miramar Federal Credit Union does not offer IRA Certificates for only 6 month Terms.

2APY=Annual Percentage Yield. All rates and yields are anticipated and variable, unless otherwise stated, and may be adjusted without prior notice. Kasasa Checking and Kasasa Saver Rates subject to changes depending on the member meeting the qualifications, per monthly term. See provided Comparison Chart for account disclosure and complete details. Certificate account with a specific term earn the opening APY until the end of the term, unless otherwise specified. All certificate APYs assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. Penalties apply for early withdrawals. Penalties and fees may reduce dividends earned. All rates, terms, services, and conditions are subject to change without notice. Certificate will automatically renew into like term at the prevailing rate. Federally insured by NCUA.

Your funds are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration a U.SU. Goverment Agency.

Auto Loans

Details
Model Year Terms up to 36 months* Terms 37–48 months* Terms 49–60 months* Terms 61–72 months* Terms 73–84 months*
New Autos or Trucks – 2016, 2017 or 2018. Mileage up to 10,000

as low as

1.49% APR1

as low as

1.79APR1

as low as

1.99APR1

as low as

2.29APR1

as low as

2.49APR1

Used Autos or Trucks – 2008 or newer2

as low as

1.99%1

as low as

2.29% APR1

as low as

2.49APR1

as low as

2.79APR1

as low as

2.99% APR1

*Rates subject to change without notice.

  1. APR = Annual Percentage Rate
  2. Mileage restrictions apply

Home Equity Loans

Details
Program Term Score LTV Rate APR1
Home Equity LOC up to 75% LTV 680 75% 5.00% 5.000%
15 year loan with 10 year draw Margin 0.000%
Home Equity LOC up to 80% LTV 680 80% 5.50% 5.500%
15 year loan with 10 year draw Margin 0.000%

1APR = Annual Percentage Rate. Rates subject to change without notice.