Cash in with checking that earns cash back
Skip out on monthly fees and minimums and instead, skip forward to earning more for your money.
Benefits You’ll Love
- Easy, straight-forwards qualifications
- Free mobile banking when you’re on the go
- Free Visa® debit card for purchasing power
- Access your account nationwide with shared branching options
- 2.50% cash back on debit card purchases^
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $90 cash back per year, $7.50 per month
- Links to free Kasasa Saver® for automatic earnings
- Refunds on ATM withdrawal fees, nationwide (up to $15 monthly; $4.99 max per withdrawal fee)^
- Easy account access at over 5,600 Co-op Shared Branch locations
- No minimum to open and no minimum balance to earn rewards
- No monthly maintenance fees
- Free online banking services, including:
- Mobile banking and mobile deposit
- Bill pay
- Mobile wallet
- Free Visa® debit card
- Round-up from Debit savings program
- Add Kasasa Protect® for comprehensive fraud protection^
- Over 60,000 surcharge free ATMS worldwide (Allpoint and Alliance One)
- Courtesy pay protection – one free each year
- Overdraft Protection
- Free box of checks each year for members enrolled in e-statements
Earning Your Rewards is Simple
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive free e-statements
That’s all there is to it. Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you can get right back to earning your full rewards the very next month!
^Kasasa Cash Back - Truth In Savings Disclosure
This disclosure contains the rules that govern your deposit account as of January 06, 2023.
Account Overview:
Kasasa Cash Back: A free variable reward checking account with no minimum balance that rewards accountholders with cash back on their debit card purchases and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.
Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
At least 1 direct deposit(s)
At least 1 direct deposit or ACH credit transaction(s)
At least 12 PIN-based / signature-based debit card purchases
Be enrolled in and have agreed to receive e-statements rather than paper statements
Be enrolled in and log into online banking
Maintain a valid email address on record with our credit union
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.
"Monthly Qualification Cycle" means the current statement cycle.
Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.
"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our branch service representatives for specific Statement Cycle dates.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.5% cash back on up to a total of $300.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee).
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.
Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing day of the following statement cycle.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.
Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, enrollment in online banking, eStatements, are a condition(s) of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured to $250,000 Per Account by American Share Insurance. By members’ choice this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle Loans
2023 & Newer
| Term | APR* |
|---|---|
| Up to 60 Months | 5.00 |
| 72 Months | 6.00 |
| 84 Months** | 7.50 |
2020-2022
| Term | APR* |
|---|---|
| Up to 60 Months | 6.00 |
| 72 Months | 7.00 |
| 84 Months** | 8.50 |
2017-2019
| Term | APR* |
|---|---|
| Up to 60 Months | 7.00 |
| 72 Months | 8.00 |
2014 - 2016
| Term | APR* |
|---|---|
| Up to 60 Months | 7.50 |
| 72 Months | 8.50 |
*APR Is The Annual Percentage Rate.
**84 Month term available for loan amount of $40,000 or more.
Home Equity Fixed Rate/Fixed Term (minimum $5,000)
| Type | Loan to Value | APR* |
|---|---|---|
| 5 Year (1st Lien Position) | Please contact us | 6.00 |
| 7 Year | Please contact us | 6.25 |
| 10 Year | Please contact us | 6.50 |
| 15 Year | Please contact us | 6.50 |
| 20 Year | Please contact us | 6.75 |
| 30 Year | Please contact us | 7.00 |
| 5 Year (2nd Lien Position) | Please contact us | 6.25 |
| 7 Year | Please contact us | 6.50 |
| 10 Year | Please contact us | 7.00 |
| 15 Year | Please contact us | 7.00 |
| 20 Year | Please contact us | 7.50 |
| 30 Year | Please contact us | 8.00 |
*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.
Home Equity Line of Credit (HELOC)
| Type |
|---|
| Contact the Credit Union for Rates & Terms. 217.875.1845 |
Home Equity Line of Credit (HELOC) (with actual rates)
| Type | Range of Balances | APR* |
|---|---|---|
| 60 Months Maximum | $ 5,000 - $ 10,000 | 8.75 |
| 120 Months Maximum | $10,000.01 - $ 30,000 | 8.75 |
| 150 Months Maximum | $30,000.01 - $350,000 | 8.75 |
5 year draw period $5,000 Minimum initial draw. Minimum $1,000 additional draws. Payments adjusted with each draw (Minimum $100.00 Monthly Payment).
*APR Is The Annual Percentage Rate. The rate you receive will be determined on your past credit history and credit performance.
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $25 | 5.00% | 5.00% |
| $20,000+ | $25 | 1.04% | 1.04% |
| All balances if qualifications not met | $25 | 0.00% | 0.00% |
Qualifications
- At least 1 direct deposit, ACH payment, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
Kasasa Cash
*Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $25 | 2.00% | 2.00% |
| $25,000+ | $25 | 0.60% | 0.60% |
| All balances if qualifications not met | $25 | 0.05% | 0.05% |
Qualification Information:
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means the current statement cycle.
Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 4.8889% resulting in an APY of 5.00%; and average daily balances over $20,000 earn a dividend rate of .2497% on the portion of the average daily balance over $20,000, resulting in a range from 5.00% to 1.04% APY depending on the account's average daily balance. You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified (Max reimbursement of $4.99 per withdrawal fee). When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire average daily balance will be .049% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of 01/06/2023. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Your Savings Insured To $250,000 Per Account by American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.
Trademarks:
Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
Note Loans
| Type | APR* |
|---|---|
| Up to 6 Months | Contact the CU |
*APR Is The Annual Percentage Rate.
Personal Loans
| Type | APR* |
|---|---|
| Up to 12 Months | 7.50 |
| 24 Months | 8.50 |
| 36 Months | 9.50 |
| 48 Months | 10.50 |
| 60 Months | 11.50 |
*APR Is The Annual Percentage Rate.
Term limits may apply to personal loans.
Recreational Vehicles
2023 & Newer
| Term | APR* |
|---|---|
| Up to 60 Months | 6.00 |
| 72 Months | 7.00 |
| 73 - 120 Months** | 8.50 |
2017-2022
| Term | APR* |
|---|---|
| Up to 60 Months | 7.00 |
| 72 Months | 8.00 |
| 73 - 120 Months** | 9.00 |
2014 - 2016
| Term | APR* |
|---|---|
| Up to 60 Months | 8.00 |
| 72 Months | 9.00 |
*APR Is The Annual Percentage Rate.
**Loan term of 73-120 months available for loan amounts of $60,000 or more.
Share & Share Certificate Secured Loans
| Type |
|---|
| Contact the Credit Union for Rates & Terms. 217.875.1845 |
Share Accounts
| Account Type | Nominal Rate | APY* |
|---|---|---|
| Regular Shares | .15 | .15 |
| Christmas Club Accounts | .25 | .25 |
| Vacation Club Accounts | .15 | .15 |
| Special Purpose Accounts | .15 | .15 |
| Share Draft Accounts | .05 | .05 |
| Money Market Accounts | 1.20 | 1.21 |
*APY Is The Annual Percentage Yield.
All rates are determined by the Board of Directors and are subject to change periodically.
Share Certificates
$500 Minimum - Youth
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.25 | 1.26 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.50 | 1.51 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$1,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.25 | 1.26 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.50 | 1.51 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$10,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.30 | 1.31 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.55 | 1.56 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
$25,000 Minimum
| Time | Nominal Rate | APY* |
|---|---|---|
| 6 Months | 1.35 | 1.36 |
| 12 Months | 2.00 | 2.02 |
| 18 Months | 1.60 | 1.61 |
| 24 Months | 1.80 | 1.82 |
| 36 Months | 1.80 | 1.82 |
| 48 Months | 1.50 | 1.51 |
| 60 Months | 1.65 | 1.66 |
*APY Is The Annual Percentage Yield.
All rates are determined by the Board of Directors and are subject to change periodically.