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APY = Annual Percentage Yield. Rates effective as of 07/23/2018. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Rate APY
$0 - $25,000 2.47% 2.50%
$25,000+ 0.24% 0.25%
Any, if qualifications are not met 0.01% 0.01%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle
  • Be enrolled in and agree to receive eStatements

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 rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver* Learn More

Balance Rate APY
$0 - $25,000 0.99% 1.00%
$25,000+ 0.24% 0.25%
Any, if qualifications are not met 0.01% 0.01%

Qualifications

To earn you rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH), direct deposit, or bill pay transaction post and settle
  • Be enrolled in and agree to receive eStatements

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!

Thrive Well Money Market Learn More

Balance Dividend Rate APY
$2,000 - <$25,000 0.25% 0.250%
$25,000 - <$50,000 0.35% 0.351%
$50,000 & above 0.40% 0.401%

Other Shares Learn More

Type Dividend Rate APY
Regular Shares 0.15% 0.15%
IRA Regular Shares 0.15% 0.15%

Certificates Learn More

Term Balance Dividend Rate APY
6 month Up to $49,999.99 0.90% 0.904% 
6 month  $50,000 - $99,999.99  0.95%  0.954% 
6 month $100,000+  1.00%  1.005% 
12 month  Up to $49,999.99  1.20%  1.207% 
12 month  $50,000 - $99,999.99  1.25%  1.257% 
12 month  $100,000+  1.30%  1.308% 
18 month  Up to $49,999.99  1.25%  1.257% 
18 month  $50,000 - $99,999.99  1.30%  1.308% 
18 month  $100,000+  1.35%  1.358% 
24 month Up to $49,999.99  1.45% 1.460%
24 month $50,000 - $99,999.99  1.50% 1.510%
24 month $100,000+  1.55% 1.561%
36 month Up to $49,999.99  1.65% 1.663%
36 month $50,000 - $99,999.99  1.70% 1.713%
36 month $100,000+  1.75% 1.764%
48 month Up to $49,999.99  1.95% 1.968%
48 month $50,000 - $99,999.99  2.00% 2.018%
48 month $100,000+  2.05% 2.069%
60 month Up to $49,999.99  2.30% 2.324%
60 month $50,000 - $99,999.99  2.35% 2.375%
60 month $100,000+ 2.40% 2.427%

A penalty may be imposed for early withdrawal, which may reduce account earnings on certificates and IRAs. At maturity, certificates will automatically renew for same term at the current market rate if not withdrawn, except where disclosed differently. Must be younger than 18 years of age to qualify for a Grow Well Certificate.

Auto Loans Learn More

Loan Term Fixed APR**
48 Months As low as 2.25%
60 Months As low as 2.25%
72 Months As low as 3.50%
84 Months As low as 4.50%

All loan products: Rates are subject to change at any time. **APR means Annual Percentage Rate. APR shown is based on discounts and other factors. Actual APR may vary based on credit profile, down payment, term of loan and age of vehicle. Loan subject to approval. Loan approval is based on creditworthiness. Additional terms may be available. Rates, terms and conditions are subject to change. APR is accurate as of 07/01/2016. For further information, please contact a Wellspring loan officer at 409.697.2461 or stop by any of our locations.

Boat & RV Loans Learn More

Loan Term Fixed APR**
48 Months As low as 4.25%
60 Months As low as 4.25%
72 Months As low as 5.25%
84 Months As low as 6.00%

All loan products: Rates are subject to change at any time. **APR means Annual Percentage Rate. APR shown is based on discounts and other factors. Actual APR may vary based on credit profile, down payment, term of loan and age of vehicle. Loan subject to approval. Loan approval is based on creditworthiness. Additional terms may be available. Rates, terms and conditions are subject to change. APR is accurate as of 12/01/2017. For further information, please contact a Wellspring loan officer at 409.697.2461 or stop by any of our locations.

Other Loans

Loan Type Term APR
Personal Loans 6 months - 60 months As low as 8.25%
Credit Card n/a View rate disclosure
Home Equity or Land Loan Varies Contact a Wellspring Real Estate Specialist*

APR = Annual Percentage Rate

*Rates for home equity and land loans are subject to change based on the FFIEC website. Please schedule adn appointment with a Wellspring Real Estate Specialist to find out costs and rates. To contact a Specialist, please call 409.697.2461.