Free Kasasa® Checking Accounts
Our Kasasa accounts have no monthly service fees and reward you in cash every month. Just do simple
activities, like using your debit card, to get rewarded. There are no minimum balance requirements.
Free Kasasa Cash®
- 5.50% APY* on balances up to $10,000
- 0.20% APY on balances over $10,000
- 0.01% APY* if qualifications aren’t met
- Complete list of benefits can be found here
*APY = Annual Percentage Yield. (1) Balances up to $10,000 receive APY of 5.50%; and balances over $10,000 earn 0.20% interest rate on the portion of balance over $10,000, resulting in a range from 5.50% – 0.41% APY depending on the account’s balance.
Free Kasasa Cash Back®
- 4.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $200 in purchases monthly
- Earn up to $96 cash back per year, $8 per month
- Complete list of benefit can be found here
Savings Rates
Effective Quarter Ending December 31, 2023
| BALANCE | APY* | APR* (range of rate) |
| $200.01 – $2,000.00 | .05 % | .05 % |
| $2,000.01 – $10,000.00 | .20 % | .20 % |
| $10,000.01 and above | .50 % | .50 % |
Interest is earned on balances over $200 each day and calculated on the average daily balance. *APY = Annual Percentage Yield.
Certificates of Deposit
Effective Quarter Ending December 31, 2023
| TERM | APY* |
| 3 month | 2.00 % |
| 6 month | 2.50 % |
| 9 month | 4.30 % |
| 12 month | 3.50 % |
| 18 month | 4.00 % |
The minimum amount required to open a Certificate of Deposit is $10,000. Penalty may apply for early withdrawal. Rates effective 3/31/2024 *APY = Annual Percentage Yield.
Rates subject to change without notice.
Loan Rates
Effective April 1, 2024- Rates Subject to Change
*Terms may be based on credit score, model year and mileage.
| NEW VEHICLES |
Term | APR* (Range of Rate) | ||
2023-2024* |
Up To 7 Years
|
as low as 5.49%**
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**Low As Rate is based on a 3 year term.
Term is based on year of vehicle
| USED VEHICLES |
Term | APR* (Range of Rate) | ||
2022 and Older |
Up To 6 Years
|
as low as 6.24%**
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**Low As Rate is based on a 3 year term.
*Terms may be based on credit score, model year and mileage..
| NEW RV’s |
Term | APR* (Range of Rate) | ||
Term based on loan amount |
Up to 15 Years
|
as low as 6.24%**
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**Low As Rate is based on a 3 year term.
Term is based on year of vehicle.
| USED RV’s |
Term | APR* (Range of Rate) | ||
2022 and Older |
Up To 15 Years
|
as low as 6.69%**
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**Low As Rate is based on a 3 year term.
| MISCELLANEOUS LOANS |
APR* (Range of Rate) | ||
| Share Secured Loan |
2.50%
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| Emergency Help Loan | 28% | ||
| Line of Credit |
10-19%
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| Unsecured Loan |
10-19%
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| Home Equity Line of Credit |
6.5% (adjustable)
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Mortgage Loans
We are partnered with Mortgage Solutions, LLC, to provide you with the best options to meet your home loan needs. As a Mercy CU member, you benefit from competitive rates, low fees and multiple product options. The best part is there is NO fee to apply, checking your options is FREE!
