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Rates

APY = Annual Percentage Yield. Rates effective as of April 30, 2015. Fees may reduce earnings.

Kasasa Cash Checking*

Minimum Balance Minimum Opening Deposit Interest Rate APY
$0.01 - $20,000.00 $50.00 1.99% 2.01%
$20,000.01 and over $50.00 0.35% 2.01% to 0.63%**
All balances if qualifications are not met $50.00 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking
  • Be enrolled in and receive eStatement notice

If you don't meet the qualifications one month, don't worry. There is no penalty, you even earn interest. Plus, you can still earn interest & receive reimbursements on ATM fees the very next monthly qualification cycle.

The Kasasa Cash checking account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.

**Balances over $20,000.00 earn 0.35% interest rate on the portion of the balance over $20,000.00, resulting in a blended range from 2.01% to 0.63% APY depending on the account’s balance.

Kasasa Saver*

Minimum Balance Minimum Opening Deposit Interest Rate APY
$0.01 - $50,000.00 $50.00 1.01% 1.01%
$50,000.01 and over $50.00 0.35% 1.01% to 0.57%**
All balances if qualifications are not met $50.00 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the higher Kasasa Saver® rate too. Simply do the following activities and transactions in your Kasasa Cash or Cash Back account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking
  • Be enrolled in and receive eStatement notice

It's no problem if you miss a qualification cycle. Both accounts are still free and earn interest. And you can get back to earning rewards the very next monthly qualification cycle.

The Kasasa Saver savings account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.

**Balances over $50,000.00 earn 0.35% interest rate on the portion of the balance over $50,000.00, resulting in a blended range from 1.01% to 0.57% APY depending on the account’s balance.

Checking & Savings Accounts

Account Type Minimum Opening Deposit Minimum Balance APY
Statement Savings $50.00 $5.00 - $2,499.99 0.05%
$50.00 $2,500.00 - $24,999.99 0.10%
$50.00 $25,000.00 and over 0.15%
Personal Money Market $50.00 $2,500.00 - $49,999.99 0.15%
$50.00 $50,000.00 - $99,999.99 0.20%
$50.00 $100,000.00 - $249,999.99 0.25%
$50.00 $250,000.00 - and over 0.30%
Business Checking Plus $50.00 $1,000.00 and over 0.05%
Business One Fund  $50.00 $5,000.00 - $19,999.99 0.05%
$50.00 $20,000.00 - $49,999.99 0.10%
$50.00 $50,000.00 - $99,999.99 0.15%
$50.00 $100,000.00 - and over 0.20%
Business Statement Savings $50.00 $100.00 - $2,499.99 0.05%
$50.00 $2,500.00 - $24,999.99 0.10%
$50.00 $25,000.00 and over 0.15%
Business Money Market $50.00 $2,500.00 - $49,999.99 0.15%
$50.00 $50,000.00 - $99,999.99 0.20%
$50.00 $100,000.00 - $249,999.99 0.25%
$50.00 $250,000.00 - and over 0.30%

The above checking and savings accounts are variable rate accounts and APY may change after account is opened. Fees may reduce earnings.

Certificate of Deposit (CD)

Type Term Minimum Opening Deposit APY
36 Month Raise Your Rate CD 36 Month $1,000.00 1.01%
CD 3 Month $2,500.00 0.15%
6 Month $2,500.00 0.25%
12 Month $2,500.00 0.35%
18 Month $2,500.00 0.45%
24 Month $2,500.00 0.55%
30 Month $2,500.00 0.65%
36 Month $2,500.00 0.85%
48 Month $2,500.00 1.05%
60 Month $2,500.00 1.25%
CHOICE CD 12 Month $1,000.00 0.25%

The Dime Bank is not accepting Certificates of Deposit from financial institutions or brokers and reserves the right to refuse any CD money from business entities and individuals who do not enjoy a full banking relationship with The Dime Bank.

Rates Subject to Change

CD's have a penalty for early withdrawal

Individual Retirement Account (IRA)

Term Minimum Opening Deposit APY
12 Month $2,500.00 0.45%
24 Month $2,500.00 0.65%
36 Month $2,500.00 0.95%
48 Month $2,500.00 1.15%
60 Month $2,500.00 1.35%

Loans

Loan Type Maximum Term Down Payment Interest Rate Annual Percentage Rate (APR) Monthly Payment Per $1,000 Borrowed
Auto Loans - New 66 Months 10% 2.50% 2.78% $16.23
Auto Loans - New 72 Months 10% 3.00% 3.26% $15.19
Auto Loan - Used (2011-2014) 66 Months 10% 3.20% 3.48% $16.54
Auto Loans - Used (2008-2010) 48 Months 15% 3.40% 3.78% $22.31
Personal Unsecured Loan ($5,001-$10,000) 60 Months n/a 8.89% 9.21% $20.71