Rates

APY = Annual Percentage Yield. Rates effective as of September 18, 2017.

Certificates of Deposit (CDs)

See Details
Term Interest Rate APY1
6 Months 0.20% 0.20%
12 Months 0.30% 0.30%
18 Months 0.35% 0.35%
24 Months 0.45% 0.45%
30 Months 0.45% 0.45%
36 Months 0.65% 0.65%
48 Months 0.75% 0.75%
60 Month 0.85% 0.85%

1APY = Annual Percentage Yield

Minimum $500 to open account. $5,000 minimum balance required to receive direct deposit. Fees may reduce earnings. Penalties for early withdrawal.

Free Kasasa Cash®*

See Details
Balance Minimum Required Opening Deposit Interest Rate APY*
$0 - $10,000 $50 2.01% 2.01%
$10,000+ $50 0.41% 2.01% to 0.41%
All balances if qualifications not met $50 0.01% 0.01%

Qualifications

Simply do the following each monthly qualification cycle:

  • Have at least one direct deposit or ACH payment transaction post and settle
  • Have at least 12 signature-based debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

If you don't qualify, don't worry. There is no penalty or sudden mystery charge. Kasasa Cash is always free and will earn the base rate of interest. You can get back to earning the full rewards the very next monthly qualification cycle!

Checking

Product Minimum Balance Interest Rate APY1
First Choice Checking none 0.01% 0.01%
Club Fed Checking none 0.01% 0.01%

1APY = Annual Percentage Yield

Free Kasasa Saver®*

See Details
Balance Minimum Required Opening Deposit Interest Rate APY*
Entire balance $1 0.71% 0.71%
All balances if qualifications not met $1 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least one direct deposit or ACH payment transaction post and settle
  • Have at least 12 signature-based debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

If you don't qualify, don't worry. There is no penalty or sudden mystery charge. Kasasa Cash is always free and will earn the base rate of interest. You can get back to earning the full rewards the very next monthly qualification cycle!

Savings

Product Minimum Balance Interest Rate APY1
First Choice Savings $100 0.02% 0.02%
Christmas Club none 0.02% 0.02%
Vacation Club none 0.02% 0.02%

1APY = Annual Percentage Yield

First Choice Money Market

See Details
Minimum Balance Interest Rate APY1
$0.01 - $2,499.99 0.08% 0.08%
$2,500 - $14,999.99 0.09% 0.09%
$15,000 - $49,999.99 0.10% 0.10%
$50,000 - $99,999.99 0.11% 0.11%
$100,000+ 0.12% 0.12%

1APY = Annual Percentage Yield

Health Savings Account

See Details
Minimum Balance APY1
$0.00 - $999.99 0.05%
$1,000 - $4,999.99 0.20%
$5,000 - $24,999 0.50%
$25,000 + 1.51%

1APY = Annual Percentage Yield

Current Specials – CDs and IRAs

See Details
Term Interest Rate APY1
14 Months 1.20% 1.21%
25 Months 1.45% 1.46%
37 Months 1.65% 1.66%
61 Months 1.75% 1.76%

1APY = Annual Percentage Yield

$5,000 minimum balance required to receive monthly checks

Minimum $500 to open account. Fees may reduce earnings. Penalties for early withdrawal.

Loans

Product Rate APR1
Mortgage Loans2 (Based on a 30 year fixed rate loan of $100,000, 25% down payment and credit score of 740) 3.875% 3.964%
Home Equity Line of Credit (Based on a loan to value of 80% and credit score of 720) 3.750% 3.750%
Auto Loans(Based on 5 year loan of $10,000 and credit score of 720) 3.650% 4.393%
Boat Loans3 (Based on 5 year loan of $10,000 and credit score of 720) 5.850% 6.568%

1APR = Annual Percentage Rate

2Rates are subject to change.  The bank reserves the right to change rates, terms and conditions without notice.  Subject to credit approval.  Loans must be secured with a 1-4 family, owner-occupied dwelling. 

Rates may vary depending on Credit Score and Loan-To-Value.  Proof of hazard insurance is required at closing. 

Loans available in our primary lending area of Tuscarawas County, Holmes County, and contiguous surrounding counties.

3Rates may vary depending on Credit Score and Loan-To-Value.  Minimum loan amount of $3,000.  Proof of insurance is required at closing.

Additional rates available at any one of our local offices.