APY = Annual Percentage Yield. Rates effective as of 6/1/2017. 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 1.98% 2.00%
$10,000+ $100 0.25% 2.00% to 0.41%
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 0.75% 0.75%
$10,000+ $5 0.25% 0.75% to 0.30%
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 AccountsLearn More

Account Minimum to Open Minimum to Earn APY Rate APY
Share Savings $5 $100 0.00% 0.00%
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 CertificatesLearn 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 Accurate as of 5/18/2017

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 .15% discount for automatic payment. All rates are Annual Percentage Rates (APR). Austin FCU NMLS # 779853

New VehiclesLearn More

Term Minimum Loan Amount APR Monthly Payment per $1000
84 months $25,000 2.95% to 5.45% $15.17 to $16.31
72 months $12,000 2.50% to 16.75% $17.75 to $24.72
66 months < $12,000 1.95% to 14.75% $19.36 to $25.45

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

Model Year Maximum Term APR Monthly Payment per $1000
2015 72 months 2.50% to 16.75% $14.97 to $22.11
2014 66 months 1.95% to 14.75% $15.99 to $22.11
2013 60 months 1.95% to 14.75% $17.51 to $23.66
2012 54 months 1.95% to 10.75% $19.36 to $23.44
2011 or older 48 months 1.95% to 10.75% $21.67 to $25.72

Term restrictions apply. All rates are annual percentage rates (APR)

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 LoansLearn 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

Term restrictions apply. All rates are annual percentage rates (APR)

Home Equity LoansLearn More

Maximum Term APR Monthly Payment per $1000
60 months 2.99% $17.96
120 months 3.99% $10.12
180 months 4.49% $7.64
240 months 4.99% $6.59

Term restrictions apply. All rates are annual percentage rates (APR)

Credit CardsLearn More

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