The financial flexibility you need for every what-if

You can expect the unexpected in business. But with a line of credit, you’re always ready for what’s next.

Benefits You’ll Love

  • Competitive rates and immediate access to funds
  • Available for inventory, operating capital, and more
  • Only pay interest on what you use1

1Consult a tax advisor.

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD 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.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total paid $0
  • Total interest paid $0

Auto Loans

Type Term APR* Payment Examples
(based on a $10,000.00 loan)
New Car up to 60 months 7.24% $199.15
New Car 61 to 72 months 7.49% $172.85
Used Car up to 60 months 7.74% $201.52
Used Car 61 to 72 months 7.99% $175.28

All annual percentage rates are accurate as of 1/24/2023 and are subject to change at any time.

Business Money Market

Minimum Daily Balance to earn APY1 Interest Rate APY Min. Deposit to Open
$5,000 0.00% 0.00% $5,000
$25,000 0.05% 0.05% $5,000
$50,000 0.20% 0.20% $5,000
$100,000 0.75% 0.75% $5,000
$250,000 1.25% 1.25% $5,000

Certificates of Deposit (Personal & Business)

Term Interest Rate APY Minimum Balance
3 - 5 Months 0.10% 0.10% $1,000
6 - 11 Months 0.15% 0.15% $1,000
12 - 17 Months 0.20% 0.20% $1,000
18 - 23 Months 0.20% 0.20% $1,000
24 - 35 Months 0.30% 0.30% $1,000
36 - 47 Months 0.30% 0.30% $1,000
48 - 59 Months 0.40% 0.40% $1,000
60 Months and Longer 0.40% 0.40% $1,000

The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Penalty for early withdrawal.

Credit Cards (Personal & Business)

Card APR** Payment per $1,000 as low as
Freedom Personal Credit Card As low as 7.99% n/a
Freedom Business Credit Card As low as 8.99% n/a

* Fee Information -

  • No Balance Transfer Fee or Annual Fee
  • Cash Advance Fee: $5.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $30.00).
  • Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars.
  • Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
  • Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.

** Not all applicants will qualify for the lowest rate.

Home Equity Loans/Lines

Maximum Term / Type Loan-to-Value APR Payment per $1,000
Up to 60 months 80% 5.75% $19.22
Up to 60 months 85% 6.25% $19.45
Up to 60 months 90% 6.75% $19.68
Up to 120 months 80% 6.50% $11.35
Up to 120 months 85% 6.75% $11.48
Up to 180 months 80% 6.99% $8.98
Home Equity Line of Credit5 Up to 85% loan-to-value 6.75% n/a

5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.50% APR. Property insurance is required.

Individual Retirement Account

Balance Rate APY
$0-$4.99 0.00% 0.00%
$5.00-$2,999.99 0.10% 0.10%
$3,000.00-$9,999.99 0.15% 0.15%
$10,000.00-$19,999.99 0.20% 0.20%
$20,000.00-$49,999.99 0.40% 0.40%
$50,000.00-$99,999.99 0.40% 0.40%
$100,000.00+ 0.40% 0.40%

Penalty for early withdrawal.

Kasasa Cash*

Tier Interest Rate APY
0 - $15,000 2.03% 2.05%
$15,000+ 0.50% 2.05% to 0.70%
Qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! 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, ACH payment, ACH credit, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

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*

Tier Interest Rate APY
0 - $25,000 1.00% 1.01%
$25,000+ 0.30% 1.01% to 0.40%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash or 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 Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.

Money Market

Balance Interest Rate APY
$0.00 - $24,999.99 0.05% 0.05%
$25,000.00 - $49,999.99 0.10% 0.10%
$50,000.00 - $249,999.99 0.15% 0.15%
$250,000.00 and Greater 0.20% 0.20%

Personal Loans

Credit Score APR*
720+ as low as 10.49%
719-690 as low as 11.99%
689-670 as low as 12.49%
669-640 as low as 14.99%
639-600 as low as 16.99%

*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice.

Savings Accounts

Account Minimum Opening Deposit Interest Rate APY
Freedom Savings $1 0.05% 0.05%
Texas Teen Savings $5 0.05% 0.05%
Business Basic Savings $1 0.05% 0.05%

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We're all about helping you do the most with your money.