Rates

Rates effective as of August 13, 2013.

APY = Annual Percentage Yield. Fees may reduce earnings.


Kasasa Cash*

BalanceDividend RateAPY
$10,000 and less1.99%2.01%
$10,000.01 and more0.50%2.01 – 0.64%, depending on
balance in the account
Qualifications not met0.05%0.05%

Qualifications

To earn these rewards, simply meet the following qualifications during the monthly qualification cycle on your Kasasa Cash account:

  • Have at least 12 debit card purchases post and settle to your account
  • Be enrolled and receive eStatement notice
  • Have at least 1 Direct Deposit or ACH Auto Debit post and settle to your account

Kasasa Saver*

BalanceDividend RateAPY
$50,000 and less1.01%1.01%
$50,000.01 and more0.50%1.01 – 0.67%, depending on
balance in the account
Qualifications not met0.05%0.05%

Qualifications

To earn these rewards, simply meet the following qualifications during the monthly qualification cycle on your Kasasa Cash or Kasasa Cash Back account:

  • Have at least 12 debit card purchases post and settle to your account
  • Be enrolled and receive eStatement notice
  • Have at least 1 Direct Deposit or ACH Auto Debit post and settle to your account

Savings (Share) Accounts

BalanceDividend RateAPY
$100,000 - and over0.10%0.10%
$50,000 - $99,9990.10%0.10%
$20,000 - $49,9990.10%0.10%
$5,000 - $19,9990.10%0.10%
$500 - $4,9990.10%0.10%
$250 - $4990.10%0.10%
Under $2500.00%0.00%

Money Market Accounts

BalanceDividend RateAPY
$250,000.00 and Over0.40%0.40%
$100,000 - $249,999.990.35%0.35%
$50,000 - $99,9990.30%0.30%
$25,000 - $49,9990.20%0.20%
$5,000 - $24,9990.10%0.10%

Youth Savings

DescriptionDividend RateAPY
Marty Moose0.10%0.10%
Student Plus0.10%0.10%

Other Accounts

DescriptionDividend RateAPY
Passbook IRA ($5 and over)0.25%0.25%
Clubs (no minimum)0.10%0.10%

Share Certificate Accounts and IRAs*

TermBalanceDividend RateAPY
6 Months$500 and Over0.35%0.35%
1 Year$500 and Over0.45%0.45%
2 Year$500 and Over0.75%0.75%
3 Year$500 and Over1.00%1.00%
4 Year$500 and Over1.19%1.20%
5 Year$500 and Over1.69%1.70%

Loan Rates


At Ocean Communities, we offer a wide variety of loans to our members. We have great rates and terms on loans for new and used cars, trucks, and recreational vehicles, including motorcycles, boats, snowmobiles, ATVs, and motor homes. We also offer a full array of mortgage products, including loans to buy a new home, refinance your existing home, and home equity loans and lines of credit to help you with that special remodeling project. We invite you to call and make an appointment to speak with one of our sales representatives at the branch office most convenient to you. We will work closely with you to find a personalized lending solution that best fits your needs.


*A penalty may be imposed for early withdrawal