APY = Annual Percentage Yield. Rates effective as of 4/22/2021. Fees may reduce earnings. All rates subject to change at any time without notice.

Kasasa Cash* Learn More

Tier Minimum to Open Rate APY
0 - $10,000 $100 0.9954% 1.00%
$10,000+ $100 0.05% 1.00% to 0.17%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications

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 12 debit card purchases
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

Kasasa Saver* Learn More

Tier Minimum to Open Rate APY
0 - $10,000 $5 0.05% 0.05%
$10,000+ $5 0.05% 0.05% to 0.00%
All balances if qualifications not met $5 0.05% 0.05%

Qualifications

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 12 debit card purchases
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Savings Accounts Learn More

Account Minimum to Open Minimum to Earn APY Rate APY
Share Savings $5 $100 0.05% 0.05%
Christmas Club $0 $100 0.00% 0.00%
IRA Savings $100 $100 0.20% 0.20%
Youth Savings $5 $5 1.00% 1.005%

Fees or other conditions could reduce earnings on the account. These rates are dependent upon the earnings of the credit union and cannot be guaranteed. APY is Annual Percentage Yield, APR is Annual Percentage Rate. Savings Rates are variable and subject to change at any time.

Loan Rates

Rates are effective as of 6/22/22

Most loan rates are based upon your credit score. Rates and terms are subject to change at any time.  All rates are Annual Percentage Rates (APR). Austin FCU NMLS # 779853

New Vehicles Learn More

Term Minimum Loan Amount APR Monthly Payment per $1000
84 months $35,000 3.49% to 5.69% $13.44 to $14.46
75 months $20,000 3.24% to 17.30% $14.75 to $21.90
66 months < $20,000 2.99% to 15.30% $16.45 to $22.50

Term restrictions apply. Rates available for current and previous model years with less than 5,000 miles at purchase. All rates are annual percentage rates (APR). All rates quoted are eligible for a .25% discount for online application, and a 0.25% discount when primary applicant has had an active checking account for at least 90 days.

Used Vehicles

Term Minimum Loan Amount APR Monthly Payment per $1000
75 months $20,000+ 3.24% to 17.30% $14.75 to $21.90
66 months <$20,000 2.99% to 15.30% $16.45 to $22.50
60 months   3.24% to 15.30% $18.08 to $23.94
54 months   3.24% to 15.30% $19.93 to $25.73
48 months   3.24% to 15.30% $22.24 to $27.98

All rates are Annual Percentage Rates. All rates quoted are eligible for a .25% discount for online application, and a 0.25% discount when primary applicant has had an active checking account for at least 90 days. Maximum term contingent upon vehicle value, mileage, and condition. Vehicles must be model year 10 years old or newer and mileage cannot exceed 100,000 (term restrictions may apply for mileage over 80,000). No salvage or bonded titles. All parties on registration must be on the loan.

Other Secured Loans

Maximum Term APR Monthly Payment per $1000
48 months 7.75% to 15.00% $24.30 to $27.83
60 months 4.25% to 13.50% $18.53 to $23.01
120 months 5.25% to 12.00% $10.73 to $14.35
144 months 5.25% to 12.00% $8.88 to $13.13
180 months 6.25% to 11.50% $8.57 to $11.68

Miscellaneous secured and titled collateral over $30,000 including Motorcycles, RVs, Travel trailers, boats, etc.

Term restrictions apply based on the amount of loan and collateral pledged. All rates are annual percentage rates (APR)

Credit Cards Learn More

Card Type Annual Fee APR
Mastercard $0 9.90% to 15.90%

Personal Loans Learn More

Maximum Term APR Monthly Payment per $1000
48 months 10.90% to 17.90% $25.80 to $29.32
36 months 9.90% to 17.90% $32.22 to $36.10
24 months 9.90% to 17.90% $87.87 to $91.63
18 months 9.90% to 17.90% $60.01 to $63.76

Home Equity Loans Learn More

Term

Minimum Loan Amount

First Lien Rate* as low as

Monthly Payment per $1000

60 months

$20,000

3.99%

$18.41

120 months

$20,000

4.49%

$10.36

180 months

$35,000

4.99%

$7.90

240 months

$50,000

5.49%

$6.87

*APR (Annual percentage rate) will vary depending on closing costs. Add 0.50% to the stated rate for second lien. Max LTV 80%. Terms, conditions and credit qualifications apply. No rate discounts apply. Austin FCU NMLS #779853