Turn your spending into rewards.
Earn 4.50% cash back on everyday debit card purchaes with no category restrictions or monthly fees.
Benefits of Kasasa Cash Back Checking
- Easy, low-maintenance way to earn cash back
- Refunds on ATM withdrawal fees
- No monthly maintenance fees
- Free checking that pays you back
- 4.50% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $108 cash back per year, $9.00 per month
- Unlimited refunds on ATM withdrawal fees, nationwide*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking
- Free Visa® debit card
- Nationwide surcharge-free ATMs via the CO-OP network
- No minimum deposit to open
It’s Easy to Earn Your Rewards
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature based debit card purchases debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1)business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.50% cash back on up to a total of $200.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive unlimited reimbursements (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly 12 debit card purchases must post & settle, enrollment in online banking and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account's qualifications. Limit 1 account per social security. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $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
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto & Motorcycle (2015 - 2006**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 9.14% |
| 37 - 48 Months | As low as 9.49% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Auto & Motorcycle (2020 - 2016**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.64% |
| 37 - 48 Months | As low as 5.49% |
| 49 - 72 Months | As low as 6.49% |
| 73 - 84 Months | As low as 7.74% |
| 85+ Months | As low as 8.49% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Auto & Motorcycle (2026 - 2021**)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 3.99% |
| 37 - 48 Months | As low as 5.24% |
| 49 - 72 Months | As low as 5.99% |
| 73 - 84 Months | As low as 6.99% |
| 85+ Months | As low 7.74% |
Requires proof of value & full-coverage insurance.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000+loan amount.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Boat and Motorhome Loans
| Term | APR |
|---|---|
| Up to 60 Months | As low as 5.74% |
| 61 - 84 Months | As low as 7.49% |
| 85 - 120 Months | As low as 7.74% |
| 121 - 180 Months | As low as 8.49% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Certificates of Deposit
| Term | Rate | APY |
|---|---|---|
| 6 Months | 3.688% | 3.750% |
| 1 Year | 3.445% | 3.500% |
| 18 Months | 3.008% | 3.050% |
| 2 Years | 3.057% | 3.100% |
| 2 Year Jumbo* | 3.106% | 3.150% |
| 3 Years | 2.862% | 2.900% |
| 3 Year Jumbo* | 2.911% | 2.950% |
| 4 Years | 2.959% | 3.000% |
| 4 Year Jumbo* | 3.008% | 3.050% |
| 5 Years | 3.057% | 3.100% |
| 5 Year Jumbo* | 3.105% | 3.150% |
Early withdrawal penalties may apply.
*Jumbo CDs require $50,000 or more to open.
Classic Auto/Motorcycle
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.89% |
| 37 - 48 Months | As low as 5.39% |
| 49 - 72 Months | As low as 7.39% |
| 73 - 84 Months | As low as 9.14% |
| 85+ Months | As low as 9.89% |
Requires proof of value & full-coverage insurance.
Minimum collateral value of $15,000.
Auto/Motorcycle max term is 84 months, >72 months only for $25,000 + loan amount
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
First Mortgages
See our Mortgage page or call us to see how we can save you money on your mortgage.
Fixed Rate, Closed-End Home Equity
| Term | APR |
|---|---|
| 5 Years | As Low As 7.5% |
| 15 Years | As Low As 8% |
Home Equity Line of Credit (HELOC)
| Term | APR |
|---|---|
| 80% Loan to Value | As low as Prime Rate - 0.75% |
| 81-90% Loan to Value | As low as Prime Rate - 0.25% |
| 91-100% Loan to Value | As low as Prime Rate + 2.25% |
Minimum APR is as low as 7.75%. Maximum APR is 18.00%.
Contact HCU for closing costs/fees.
Kasasa Cash Back*
| Tier | Rate | APY |
|---|---|---|
| $0 - $200 | 4.50% | 4.50% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.
Kasasa Cash*
| Tier | Rate | APY |
|---|---|---|
| $0 - $10,000 | 4.8889% | 5.00% |
| $10,000+ | 0.1500% | 5.00% to 0.59% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
It's so easy to qualify, you're probably already doing it. 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 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
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 interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Tier | Rate | APY |
|---|---|---|
| $0 - $10,000 | 1.9819% | 2.00% |
| $10,000+ | 0.1500% | 2.00% to 0.32% |
| Qualifications not met | 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 signature-based debit card purchases post to your Kasasa account
- Be enrolled in and agree to receive eStatements
- Must access online banking at least once during the period
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 interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Non-Titled Recreational Vehicles* (2020-2016)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 6.24% |
| 37 - 48 Months | As low as 6.99% |
| 49 - 72 Months | As low as 8.24% |
| 73 - 84 Months | As low as 8.74% |
| 85+ Months | As low as 9.24% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Non-Titled Recreational Vehicles* (2026-2021)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.99% |
| 37 - 48 Months | As low as 6.74% |
| 49 - 72 Months | As low as 7.99% |
| 73 - 84 Months | As low as 8.49% |
| 85+ Months | As low as 8.99% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Other
| Type | APR |
|---|---|
| Share Secured | 1.00% + High-yield Saving Rate |
| All Other Closed End Loans | 7% - 18.00% |
| Overdraft Protection | 15.00% |
Savings Accounts
| Account | Rate | APY |
|---|---|---|
| Basic Savings | 0.05% | 0.05% |
| Club Accounts | 0.05% | 0.05% |
| HY Money Market ($1.00 - $2,499.99) | 0.050% | 0.05% |
| HY Money Market ($2,500 - $24,999) | 1.736% | 1.75% |
| HY Money Market ($25,000 - $74,999) | 1.835% | 1.85% |
| HY Money Market ($75,000 - $199,999) | 1.982% | 2.00% |
| HY Money Market ($200,000+) | 1.982% | 2.00% |
| IRA Shares | 0.05% | 0.05% |
E-mail us for more information about account terms and fees.Rates are subject to change. Fees may reduce earnings.
Titled Recreational Vehicles (2020 - 2016)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 5.74% |
| 37 - 48 Months | As low as 5.99% |
| 49 - 72 Months | As low as 7.24% |
| 73 - 84 Months | As low as 7.74% |
| 85+ Months | As low as 8.24% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
Titled Recreational Vehicles (2026- 2021)
| Term | APR |
|---|---|
| Up to 36 Months | As low as 4.99% |
| 37 - 48 Months | As low as 5.74% |
| 49 - 72 Months | As low as 6.99% |
| 73 - 84 Months | As low as 7.49% |
| 85+ Months | As low as 7.99% |
Requires proof of value & full-coverage insurance.
*HarborLight CU will add 1% to the published rate for any loan that exceeds 110% of the determined value of the collateral, not including the GAP policy and/or warranty.
