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.
Term and IRA Certificates Learn More
| Term | Minimum to Open | Rate | APY |
|---|---|---|---|
| 12 month | $1,000 | 0.15% | 0.15% |
Rates and terms are subject to change without notice. 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. Fees or other conditions could reduce earnings on the account. A penalty will be imposed for early withdrawal.
Loan Rates
Rates are effective as of 7/22/2020
Most loan rates are based upon your credit score. Rates and terms are subject to change at any time. 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. 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 | 2.74% to 5.69% | $13.10 to $14.46 |
| 75 months | $20,000 | 2.49% to 17.30% | $14.41 to $21.90 |
| 66 months | < $20,000 | 2.24% to 15.30% | $16.12 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)
Used Vehicles
| Term | Minimum Loan Amount | APR | Monthly Payment per $1000 |
|---|---|---|---|
| 75 months | $20,000+ | 2.49% to 17.3% | $14.41 to $21.90 |
| 66 months | <$20,000 | 2.24% to 15.3% | $16.12 to $22.50 |
| 60 months | 2.49% to 15.3% | $17.74 to $23.94 | |
| 54 months | 2.49% to 15.3% | $19.59 to $25.73 | |
| 48 months | 2.49% to 15.3% | $21.91 to $27.98 |
All rates are Annual Percentage Rates. 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)
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 |
Credit Cards Learn More
| Card Type | Annual Fee | APR |
|---|---|---|
| Mastercard | $0 | 9.90% to 15.90% |
