Look local for the low financing rates you're seeking
Get additional savings and lower monthly payments to pay down debt faster and stack extra cash for a rainy day.
Benefits You'll love
- Conveniently apply for a variety of loans securely, online
- Get the financial flexibility to cover emergencies or planned expenses
- Enjoy low financing rates with flexible terms to match your needs
- Balance out borrowing with exclusive savings
- Low financing rates on all types of loans
- Get potentially lower interest rates when you refinance
- Safe way to build your credit
- Finance a wide range of purchases such as:
- New car
- New camper
- ATV
- New home
- And more!
- Repayment terms customized to fit your unique needs
Apply Now
Not Yet a Member?
Apply for a low-rate loan now and open your membership later.
Apply NowCheck Membership EligibilityUse 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 Certificate 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 dividends 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
Kasasa Cash*
| Balance | Minimum Opening Deposit | Dividend Rate | APY** |
|---|---|---|---|
| 0 - $10,000 | $0 | 3.20% | 3.25% |
| $10,000+ | $0 | 0.05% | 3.25% to 0.34% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply use your Kasasa Cash account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to 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*
| Balance | Minimum Opening Deposit | Dividend Rate | APY** |
|---|---|---|---|
| 0 - $25,000 | $0 | 0.50% | 0.50% |
| $25,000+ | $0 | 0.05% | 0.50% to 0.14% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
*Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Simply use your Kasasa Cash or Cash Back account with the following activities and transactions each monthly qualification cycle:
- Have at least 12 debit card purchases that post and settle
- Be enrolled in and receive e-statement notices
- Be enrolled and log in to online banking
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.
Loans
| Loan Type | Rates Starting at:* |
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 6.49% APR1 |
| Home Equity Line of Credit (variable) | 8.50% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Loans - 1
| Loan Type | Rates Starting at:* |
|---|---|
| Auto | 4.99% APR |
| Motorcycle | 4.99% APR |
| Boat/Camper/RV | 4.99% APR |
| Recreational Vehicles | 5.99% APR |
| Personal Loan | 7.99% APR |
| Personal Line of Credit | 18.00% APR |
| Credit Cards | 9.9% APR |
| Home Mortgage | Call for current rates |
| Home Equity Loan (fixed) | 4.99% APR1 |
| Home Equity Line of Credit (variable) | 4.75% APR2 |
* APR=Annual Percentage Rate. Rates and terms subject to change at any time without notice. Rate based on credit score and history. Please contact Service 1 FCU for more information.
1HOME EQUITY: APR = Annual Percentage Rate. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. Credit is subject to approval, not all applicants will qualify. A home equity loan is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum loan amount is $10,000, and the maximum loan amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Service 1 FCU NMLS #441347.
2HOME EQUITY LINE OF CREDIT (HELOC): APR = Annual Percentage Rate. The prime rate is the highest prime rate published in the Money Rates Table of The Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. The APR will be based on the prime rate plus a margin of up to 3.5%. Rates based on credit worthiness, term, and combined loan-to-value (CLTV) ratio. CLTV must be 80% or less. The APR is variable for the life of the loan and can range from as low as 4.00% APR to a maximum of 18%. Credit is subject to approval, not all applicants will qualify. A home equity line of credit is secured by a first or second mortgage lien on your home, not all properties may qualify for financing. The minimum line of credit amount is $10,000, and the maximum amount is $100,000. Fees and closing costs may apply. Flood and/or property hazard insurance may be required. Other restrictions may apply. Membership eligibility required. Contact Service 1 FCU for complete details. All Service 1 FCU loan programs, rates, terms and conditions are subject to change at any time without notice. Equal Housing Lender. Service 1 FCU NMLS #441347.
Money Management Account
| Balance | APY** |
| $100,000+ | 2.00% |
| $50,000.00 - $99,999.99 | 1.75% |
| $20,000.00 - $49,999.99 | 1.25% |
| $2,000.00 - $19,999.99 | 1.00% |
Money Management Account 1
| Balance | APY |
|---|---|
| $100,000+ | 2.00% |
| $50,000.00 - $99,999.99 | 1.75% |
| $20,000.00 - $49,999.99 | 1.25% |
| $2,000.00 - $19,999.99 | 1.00% |
Share Certificates
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months - FEATURED RATE | $500 | 4.00% |
| 12 months | $500 | 3.75% |
| 18 months | $500 | 3.50% |
| 24 months | $500 | 3.25% |
| 30 months | $500 | 3.25% |
| 36 months | $500 | 3.25% |
| 48 months | $500 | 3.25% |
| 60 months | $500 | 3.25% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Share Certificates - 1
| Term | Minimum Balance | APY |
|---|---|---|
| 6 months - FEATURED RATE | $500 | 4.75% |
| 12 months | $500 | 4.50% |
| 18 months | $500 | 3.00% |
| 24 months | $500 | 3.00% |
| 30 months | $500 | 3.25% |
| 36 months | $500 | 3.25% |
| 48 months | $500 | 3.25% |
| 60 months | $500 | 3.50% |
Penalties may apply for early withdrawals. IRA Certificates not available in 6-month term.
Youth Certificates
| Term | Minimum Balance | APY** |
| 6 months - FEATURED RATE | $100 | 4.00% |
| 12 months | $100 | 3.75% |
| 24 months | $500 | 3.25% |
Youth Certificates 1
| Term | Minimum Balance | APY** |
|---|---|---|
| 6 months - FEATURED RATE | $100 | 4.75% |
| 12 months | $100 | 4.50% |
| 24 months | $500 | 3.00% |
