Build your local business on solid ground.
Let’s bring your blueprint to life with financing that’s aligned with your business plans.
Benefits You'll Love
- Competitive rates
- Quick turnaround time on inspections
- Dedicated construction manager to assist with the draw process
- Whether it is for commercial investment, business or residential projects, Sharon has a program that will fit your needs
- Experienced in financing and managing renovation, ground up residential, commercial, or tract development projects
- Experienced Relationship Managers who listen and will structure your loan to fit your unique project, not try and fit your project in a predetermined box
- Letter of Credit Issuance
- Conversion of construction loans to permanent or mini-permanent commercial mortgage loans
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Certificate of Deposit and IRAs
| Account Type | Balance To Open | Minimum Balance to Earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| 91 Day Certificate | $1,000.00 | $0.00 | 4.11% | 4.25% |
| 6 Month Certificate | $1,000.00 | $0.00 | 4.81% | 5.00% |
| 12 Month Certificate | $1,000.00 | $0.00 | 0.20% | 0.20% |
| 13 Month Certificate | $5,000.00 | $0.00 | 4.34% | 4.50% |
| 18 Month Certificate | $1,000.00 | $0.00 | 3.63% | 3.75% |
| 24 Month Certificate | $1,000.00 | $0.00 | 3.15% | 3.25% |
| 36 Month Certificate | $1,000.00 | $0.00 | 2.920% | 3.00% |
| 48 Month Certificate | $1,000.00 | $0.00 | 2.920% | 3.00% |
| 60 Month Certificate | $1,000.00 | $0.00 | 2.920% | 3.00% |
Checking Rates - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Checking with Interest | $1,000.00 | $1000.00 | 0.025% | 0.025% |
| Non-Profit Checking | $250.00 | $250.00 | 0.025% | 0.025% |
Checking Rates - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| N.O.W. Account | $250.00 | $250.00 | 0.025% | 0.025% |
| Senior Checking | $ 50.00 | $250.00 | 0.025% | 0.025% |
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 0 - $10,000 | $100 | 1.982% | 2.00% |
| $10,000+ | $100 | 0.25% | 0.41 to 2.00% |
| All balances if qualifications not met | $100 | 0.02% | 0.02% |
Qualifications*
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash checking account during each Monthly Qualification Cycle:
- At least one direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases post and settle
And if you don't meet your qualifications during the cycle, your account is still free. Then you can get right back to earning your full rewards the very next month.
Kasasa Saver‡
| Balance | Minimum Opening Deposit | Rate | APY* |
|---|---|---|---|
| 0 - $50,000 | $100 | 0.74% | 0.75% |
| $50,000+ | $100 | 0.25% | 0.42 to 0.75% |
| All balances if qualifications not met | $100 | 0.02% | 0.02% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate. 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 one direct deposit, ACH credit, or ACH payment transaction
- At least 12 debit card purchases post and settle
And if you don't meet these qualifications, your account is still free. Then you can get right back to earning your full rewards the very next cycle that you qualify.
Money Market Accounts - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Money Market | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Business Premiere Money Market | $10,000.00 | $10,000- $24,999.99 | 0.48% | 0.50% |
| $25,000-$49,999.99 | 0.98% | 1.00% | ||
| $50,000.00 and over | 1.95% | 2.00% | ||
| $100,000 and above | 3.15% | 3.25% | ||
| Optimum Money Market Account | $5,000.00 | $.01-$4,999.99 | 0.025% | 0.025% |
| $5,000 to $9,999.99 | 0.10% | 0.10% | ||
| $10,000 to $24,999.99 | 0.15% | 0.15% | ||
| $25,000 to $49,999.99 | 0.20% | 0.20% | ||
| $50,000 to $99,999.99 | 0.25% | 0.25% | ||
| $100,000.00 and over | 0.30% | 0.30% |
Money Market Accounts - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Money Market Checking | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Money Market Savings | $1,000.00 | $1,000.00 | 0.025% | 0.025% |
| Money Market IRA | $100.00 | $100.00 | 0.025% | 0.025% |
| Premiere Money Market | $10,000.00 | $10,000.00- $24,999.99 | 0.05% | 0.05% |
| $25,000.00-$49,999.99 | 0.10% | 0.10% | ||
| $50,000.00 and over | 0.15% | 0.15% | ||
| Personal Gold Money Market | $25,000.00 | $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.15% | 0.15% | ||
| $100,000 and over | 0.25% | 0.25% | ||
| Optimum Money Market | $5,000.00 | $.00-$4,999.99 | 0.025% | 0.025% |
| $5,000.00 to $9,999.99 | 0.10% | 0.10% | ||
| $10,000.00 to $24,999.99 | 0.15% | 0.15% | ||
| $25,000.00 to $49,999.99 | 0.20% | 0.20% | ||
| $50,000.00 to $99,999.99 | 0.25% | 0.25% | ||
| $100,000.00 and over | 0.30% | 0.30% |
Savings Rates - Business
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Business Passbook Savings | $50.00 | $50.00 | 0.025% | 0.025% |
Savings Rates - Personal
| Account Type | Balance to open | Minimum balance to earn APY | Interest Rate | Daily Compounded APY* |
|---|---|---|---|---|
| Regular Passbook Savings | $50.00 | $50.00 | 0.025% | 0.025% |
| Junior Passbook** | $0.00 | $0.00 | 0.025% | 0.025% |
| Statement Savings | $100.00 | $100.00 | 0.025% | 0.025% |
| Christmas Club | $0.00 | $50.00 | 0.025% | 0.025% |
| Vacation Club | $0.00 | $50.00 | 0.025% | 0.025% |
