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Rates

APY = Annual Percentage Yield.  Deposit Rates effective as of September 15, 2021 and are subject to change.  Fees may reduce earnings.
APR = Annual Percentage Rate. Consumer Loan Rates are subject to change.
 

Kasasa Cash Checking

Minimum Balance Minimum Opening Deposit Interest Rate APY
$0.01 - $15,000.00 $50.00 1.00% 1.01%
$15,000.01 and over $50.00 0.20% 1.01% to 0.31%*
All balances if qualifications are not met $50.00 0.01% 0.01%
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 $15,000.00 earn 0.20% interest rate on the portion of the balance over $15,000.00 resulting in a range from 1.01% to 0.31% APY (the APY will vary based on account balance). This range assumes a $15,000.01 - $115,000.00 account balance, although higher balances are accepted.
 

Kasasa Saver

Minimum Balance Minimum Opening Deposit Interest Rate APY
$0.01 - $40,000.00 $50.00 0.60% 0.60%
$40,000.01 and over $50.00 0.20% 0.60% to 0.32%*
All balances if qualifications are not met $50.00 0.05% 0.01%
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 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 $40,000.00 earn 0.20% interest rate on the portion of the balance over $40,000.00 resulting in a range from 0.60% to 0.32% APY (the APY will vary based on account balance). This range assumes a $40,000.01 - $140,000.00 account balance, although higher balances are accepted.

Individual Retirement Account (IRA)

Term Minimum Opening Deposit APY
12 Month $2,500.00 0.25%
24 Month $2,500.00 0.30%
36 Month $2,500.00 0.40%
48 Month $2,500.00 0.40%
60 Month $2,500.00 0.40%
 

Platinum Checking

Minimum Opening Deposit Minimum Balance APY
$50.00 $1,000.00 - $9,999.99 0.05%
$50.00 $10,000.00 - $24,999.99 0.10%
$50.00 $25,000.00 - $99,999.99 0.15%
$50.00 $100,000.00 and over 0.20%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.
 

Statement Savings

Minimum Opening Deposit Minimum Balance APY
$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%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.
 

Personal Money Market

Minimum Opening Deposit Minimum Balance APY
$50.00 $2,500.00 - $49,999.99 0.10%
$50.00 $50,000.00 - $99,999.99 0.15%
$50.00 $100,000.00 - $249,999.99 0.20%
$50.00 $250,000.00 and over 0.25%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.
 

Burial Reserve

Minimum Opening Deposit Minimum Balance APY
$1,000.00 $1,000.00 and over 0.05%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.
 

Business Checking Plus

Minimum Opening Deposit Minimum Balance APY
$50.00 $1,500.00 and over 0.05%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.

Business One Fund

Minimum Opening Deposit Minimum Balance APY
$50.00 $25,000.00 - $249,999.99 0.10%
$50.00 $250,000.00 - $499,999.99 0.15%
$50.00 $500,000.00 - $999,999.99 0.20%
$50.00 $1,000,000.00 and over 0.30%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.

Business Money Market

Minimum Opening Deposit Minimum Balance APY
$50.00 $2,500.00 - $49,999.99 0.10%
$50.00 $50,000.00 - $99,999.99 0.15%
$50.00 $100,000.00 - $249,999.99 0.20%
$50.00 $250,000.00 and over 0.25%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.

Business Statement Savings

Minimum Opening Deposit Minimum Balance APY
$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%
The above account is a variable rate account and APY may change after account is opened. Fees may reduce earnings.
  

Certificate of Deposit (CD)

Term Minimum Opening Deposit APY
3 Month $2,500.00 0.10%
6 Month $2,500.00 0.15%
12 Month $2,500.00 0.25%
24 Month $2,500.00 0.30%
36 Month $2,500.00 0.40%
48 Month $2,500.00 0.50%
60 Month $2,500.00 0.60%
36 Month Raise Your Rate CD $1,000.00 0.35%
12 Month CHOICE CD $1,000.00 0.20%
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
 
CDs have a penalty for early withdrawal
 

Platinum CD

Term Minimum Opening Deposit APY
3 Month $10,000.00 0.15%
6 Month $10,000.00 0.20%
12 Month $10,000.00 0.30%
24 Month $10,000.00 0.35%
36 Month $10,000.00 0.45%
Available to Platinum Checking customers.
 
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
 
CDs have a penalty for early withdrawal

Consumer Loans

Loan Type Maximum Term Down Payment Interest Rate APR* Monthly Payment Per $1,000 Borrowed
Auto Loans - New 2021 & Leftover 2020
66 Months 10% 4.00% 4.28% $16.90
Auto Loans - New 2021 & Leftover 2020
72 Months 10% 4.25% 4.51% $15.76
Auto Loans - Used (2017-2020) 66 Months 10% 4.50% 4.78% $17.13
Auto Loans - Used (2014-2016) 48 Months 15% 5.00% 5.38% $23.03
ATV/Snowmobile, Jet Ski - New 60 Months 10% 6.75% 7.06% $19.68
ATV/Snowmobile, Jet Ski - Used 48 Months 15% 7.25% 7.64% $24.06
Boat or RV - New 120 Months 10% 6.75% 6.92% $11.48
Boat or RV - Used 84 Months 15% 7.25% 7.48% $15.22
Motorcycle - New 60 Months 10% 6.75% 7.06% $19.68
Motorcycle - Used 48 Months 15% 7.25% 7.64% $24.06
Secured with a Deposit Account 120 Months Not Applicable NYP - Adjusted Annually 3.41% $9.85
Personal Unsecured Loan ($2,000.00-$5,000.00) 60 Months Not Applicable 7.50% 8.13% $20.04
Personal Unsecured Loan ($5,001.00-$10,000.00) 60 Months Not Applicable 7.75% 8.06% $20.16
*APR = Annual Percentage Rate. APR is based on a $10,000.00 loan amount except Personal Unsecured Loan ($2,000.00 - $5,000.00) where the APR is based on $5,000.00 loan amount. Rates subject to change. Financing on approved credit. Rates assume credit score of 700 or higher. An automatic payment from an account at The Dime Bank must remain for the life of the loan to obtain the stated rates.
 
For more information on The Dime Bank loans, please visit our Consumer Loan page.
For more information on The Dime Bank Mortgage and Home Equity loan rates, please visit our Mortgage Center
 
To speak with a representative call 1-888-4MY-DIME.