Turn the equity in your home into a cash reserve for the future
Get the competitive rate financing that helps with a wide variety of needs, on terms that you can live with.
- Turn the equity in your home into ongoing, affordable financing
- Competitive rates for several ongoing or seasonal needs:
- Major life events
- Major home improvements
- Debt consolidation
- Emergency reserve
- And much more
- The existing equity in your home is used as collateral backing
- Accommodating repayment terms that work uniquely for you
- Funds available anytime without reapplying; apply once, then use repeatedly thereafter (subject to credit approval)
- Revolving credit — as principal is repaid, more becomes available for use
- Funds easily available via in-person or phone transfers to a specified checking account
- The interest paid might be tax deductible*
- Set up automatic payments to be deducted from your account monthly
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
- Loans subject to credit approval
NMLS #423166
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*Consult a tax advisor.
Use this mortgage calculator to determine your monthly payment and generate an estimated amortization schedule. Quickly see how much interest you could pay and your estimated principal balances. Enter prepayment amounts to calculate their impact on your mortgage.
Certificates of Deposit (CDs)
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 12 Month | $2,500 | 3.00% | 3.04% |
| 36 Month | $2,500 | 2.75% | 2.78% |
A penalty may be imposed for early withdrawal. APY = Annual Percentage Yield. Rates and APYs are accurate as of January 7, 2026. Rates may change without notice after the account is opened. Fees may reduce earnings.
First1Interest Checking Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $2,499 | $100 | 0.15% | 0.15% |
| $2,500 - $24,999.99 | $100 | 0.20% | 0.20% |
| $25,000 - $249,999.99 | $100 | 0.25% | 0.25% |
| $250,000 - $499,999.99 | $100 | 0.30% | 0.30% |
| $500,000 and over | $100 | 0.35% | 0.35% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 7, 2026. Rates are variable and may change without notice after the account is opened. Fees may reduce earnings.
First1Savings Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $2,499.99 | $50 | 0.15% | 0.15% |
| $2,500 - $24,999.99 | $50 | 0.20% | 0.20% |
| $25,000 - $249,999.99 | $50 | 0.25% | 0.25% |
| $250,000 - $499,999.99 | $50 | 0.30% | 0.30% |
| $500,000 and over | $50 | 0.35% | 0.35% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 7, 2026. Rates are variable and may change without notice after the account is opened. Fees may reduce earnings.
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $100 | 5.00% | 5.12% |
| $25,001 and over | $100 | 0.75% | 5.12% to 1.84%* |
| Base Rate (Qualifications not met) | $100 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the balance. Additional requirements may apply.
Qualifications to Earn Rewards
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, or bill pay transaction
- At least 12 debit card purchases
- Agree to receive eStatments
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
APY = Annual Percentage Yield .Rates and APYs are accurate as of January 7, 2026. Rates and rewards are variable and may change without notice after the account is opened.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $50 | 1.05% | 1.06% |
| $25,001 and over | $50 | 0.40% | 1.06% to 0.56%* |
| Base Rate (Qualifications not met) | $50 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the account balance. Additional requirements may apply.
Qualifications to Earn the Higher Rate
Qualifying for your Kasasa Cash or Kasasa 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 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
- Agree to receive eStatements
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 7, 2026. Rates and rewards are variable and may change without notice after the account is opened.
Money Market Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 - $10,000.00 | $100 | 0.80% | 0.80% |
| $10,000.01 - $25,000.00 | $100 | 0.90% | 0.90% |
| $25,000.01 - $50,000.00 | $100 | 1.10% | 1.11% |
| $50,000.01 - $100,000.00 | $100 | 1.30% | 1.31% |
| $100,000.01 - $250,000.00 | $100 | 1.50% | 1.51% |
| $250,000.01 - $500,000.00 | $100 | 1.70% | 1.71% |
| $500,000.01 - $1,000,000.00 | $100 | 1.80% | 1.81% |
| $1,000,000.01 and over | $100 | 2.05% | 2.07% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 7, 2026. Rates are variable and may change without notice after the account is opened. Fees may reduce earnings.