Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Balance
0- $15,000
| Minimum Opening Deposit
$50
| Rate
4.889%
| APY
5.00%
|
Balance
$15,000+
| Minimum Opening Deposit
$50
| Rate
0.499%
| APY
5.00% to 0.50%
|
Balance
All balances is qualifications not met
| Minimum Opening Deposit
$50
| Rate
0.05%
| APY
0.05%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates subject to change.
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
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!
FVSBank Relationship Checking
| Account | Rate | APY |
|---|---|---|
Account
FVSBank Relationship Checking
| Rate
0.05%
| APY
0.05%
|
APY = Annual Percentage Yield. Fees may reduce earnings. Rates are subject to change. Rates effective November 2024.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Balance
0 - $5000
| Minimum Opening Deposit
$0
| Rate
0.499%
| APY
0.50%
|
Balance
$5,000+
| Minimum Opening Deposit
$0
| Rate
0.499%
| APY
0.50%
|
Balance
All balances if qualifications not met
| Minimum Opening Deposit
$0
| Rate
0.05%
| APY
0.05%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates subject to change.
Qualifications
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 Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
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!
Savings Accounts
| Account | Minimum Opening Deposit | Rate | APY | Monthly Service Fee |
|---|---|---|---|---|
Account
Statement Savings
| Minimum Opening Deposit
$100
| Rate
0.10%
| APY
0.10%
| Monthly Service Fee
$1.50
|
Account
FVSBank 3500 Savings
| Minimum Opening Deposit
$3,500
| Rate
0.15%
| APY
0.15%
| Monthly Service Fee
$10
|
Account
Holiday Club
| Minimum Opening Deposit
$25
| Rate
0.15%
| APY
0.15%
| Monthly Service Fee
n/a
|
Account
Business Savings
| Minimum Opening Deposit
$1,000
| Rate
0.15%
| APY
0.15%
| Monthly Service Fee
$10
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Rates effective November 2024.
HSA
| Balance | Rate | APY |
|---|---|---|
Balance
$50 - $2,499
| Rate
0.20%
| APY
0.20%
|
Balance
$2,500 - $9,999
| Rate
0.30%
| APY
0.30%
|
Balance
$10,000 - $24,999
| Rate
0.40%
| APY
0.40%
|
Balance
$25,000+
| Rate
0.50%
| APY
0.50%
|
Health Savings Account requires $50 to open. Monthly service fee may be imposed if account qualifications are not met (see Truth in Savings disclosure for more details). HSAs are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see the HSA Agreement for additional information.
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Rates are effective November 2024.
Money Market Account
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range
$500 - $2,499
| Rate
0.15%
| APY
0.15%
|
Deposit Range
$2,500 - $9,999
| Rate
0.20%
| APY
0.20%
|
Deposit Range
$10,000 - $24,999
| Rate
0.40%
| APY
0.40%
|
Deposit Range
$25,000 - $49,999
| Rate
1.05%
| APY
1.06%
|
Deposit Range
$50,000 - $99,999
| Rate
1.20%
| APY
1.21%
|
Deposit Range
$100,000+
| Rate
1.30%
| APY
1.31%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.
Money Market funds require $2,500 to open and money market regulations apply. If the balance falls below $1,200 a $5.00 monthly service charge applies. Annual percentage yields (APYs) are effective for the month of November 2024. Fox Valley Savings Bank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Premium Money Market
| Deposit Range | Rate | APY |
|---|---|---|
Deposit Range
$50,000 - $99,999
| Rate
2.50%
| APY
2.53%
|
Deposit Range
$100,000 - $249,999
| Rate
2.75%
| APY
2.78%
|
Deposit Range
$250,000 & over
| Rate
3.00%
| APY
3.04%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.
Premium Money Market funds require $50,000 to open and money market regulations apply. If the balance falls below $50,000 a $10.00 monthly service charge applies. Annual percentage yields (APYs) are effective as for the month of November 2024. Fox Valley Savings Bank reserves the right to limit new accounts to people residing in its Wisconsin market areas.
Certificates of Deposit
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Term
6 Month
| Minimum Opening Deposit
$500
| Rate
1.15%
| APY
1.15%
|
Term
7 Month
| Minimum Opening Deposit
$5,000
| Rate
4.50%
| APY
4.54%
|
Term
11 Month | Minimum Opening Deposit
$5,000
| Rate
4.20%
| APY
4.21%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
2 Year | Minimum Opening Deposit
$500
| Rate
2.10%
| APY
2.10%
|
Term
3 Year | Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
4 Year | Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change.
FVSBank reserves the right to limit new accounts to people residing in its Wisconsin market areas. A penalty for early withdrawal.
Fixed rates are effective as of November 14 – November 20, 2024.
IRA Investment Accounts
| Term | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
Term
7 Month
| Minimum Opening Deposit
$5,000
| Rate
4.50%
| APY
4.54%
|
Term
11 Month
| Minimum Opening Deposit
$5,000
| Rate
4.20%
| APY
4.21%
|
Term
1 Year
| Minimum Opening Deposit
$500
| Rate
2.00%
| APY
2.00%
|
Term
2 Year
| Minimum Opening Deposit
$500
| Rate
2.10%
| APY
2.10%
|
Term
3 Year
| Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
Term
4 Year
| Minimum Opening Deposit
$500
| Rate
3.00%
| APY
3.00%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Fixed rates are effective as of November 14 – November 20, 2024
IRA Savings
| Balance | Rate | APY |
|---|---|---|
Balance
$50 - $2,499
| Rate
0.10%
| APY
0.10%
|
Balance
$2,500 - $9,999
| Rate
0.15%
| APY
0.15%
|
Balance
$10,000 - $24,999
| Rate
0.35%
| APY
0.35%
|
Balance
$25,000 and Over
| Rate
0.70%
| APY
0.70%
|
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Fees may reduce earnings. Rates are subject to change. Effective November 2024.
Mortgage Loans
| Type of Home Mortgage | Rate | APR | Payment Example per $1,000 borrowed |
|---|---|---|---|
Type of Home Mortgage
10 Year Fixed
| Rate
6.625% | APR
6.931% | Payment Example per $1,000 borrowed
$11.42 |
Type of Home Mortgage
15 Year Fixed
| Rate
6.625% | APR
6.843%
| Payment Example per $1,000 borrowed
$8.78 |
Type of Home Mortgage
20 Year Fixed
| Rate
7.000%
| APR
7.181%
| Payment Example per $1,000 borrowed
$7.75
|
Type of Home Mortgage
30 Year Fixed
| Rate
7.125% | APR
7.266%
| Payment Example per $1,000 borrowed
$6.74
|
APR = Annual Percentage Rate. Mortgage loan rates are effective for November 20, 2024; subject to change at any time. Rates and fees may vary based on such factors as credit scores, loan-to-value ratio, type of property, and amount of loan. The rates shown are for single-family, owner-occupied properties. Sample payment and rates are based on a loan of $1,000 with a 20% down payment to purchase a primary residence. Estimated payment does not include taxes and insurance. Not all borrowers qualify for all mortgage programs; must meet underwriting guidelines and are subject to credit review and approval. Rates are subject to change at any time.
Home Equity Loans
| APR as low as | Terms in Months |
|---|---|
APR as low as
7.75%
| Terms in Months
1 to 36
|
APR as low as
7.95%
| Terms in Months
37 to 60
|
APR as low as
8.25%
| Terms in Months
61 to 120
|
*APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, type of property and amount of the loan.
Home Equity Line of Credit (HELOC)
| APR as low as | Loan to Value |
|---|---|
APR as low as
8.50 | Loan to Value
90% or Less
|
*APR = Annual Percentage Rate. This Home Equity Line of Credit has a variable rate with a floor of 5.00% and a ceiling of 18.00% APR. Floor is subject to change based on such factors as credit score. As of November 12, ,2024, Prime Rate is 7.75%. Prime Rate is the advertised rate in the “Money Rates” table in the Wall Street Journal. The Prime Rate is 7.75% + 1.25%; the APR would be 9.00%. The APR range is determined by credit scores. Available to qualified borrowers. Offer subject to change at any time. The yearly maintenance fee of $50 is waived for the first year. The estimated closing costs are as low as $250 plus fees for property evaluation if needed. Fees are due at the time of closing. Limited to 90% maximum loan-to-value ratio. Homeowners Insurance is required. FVSBank is limited to making home equity loans in Wisconsin.
New Construction Loan
| Type | Rate/APR |
|---|---|
Type
12 Month Note
| Rate/APR
6.25%
|
*APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, type of property and amount of the loan.
Loan rate applies to new construction loans only. On a $250,000 loan, estimated construction closing costs would be as low as $1,300.00. Interest is due monthly.
New Auto Loans
| APR as low as | Terms in Months |
|---|---|
APR as low as
7.74%
| Terms in Months
1 to 36 months
|
APR as low as
7.99%
| Terms in Months
37 to 48 months
|
APR as low as
8.24%
| Terms in Months
49 to 60 months
|
APR as low as
8.99%
| Terms in Months
61 to 72 months
|
APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 90%.
Used Auto Loans
| APR as low as | Term in Months |
|---|---|
APR as low as
8.74%
| Term in Months
1 to 36 months
|
APR as low as
8.99%
| Term in Months
37 to 48 months
|
APR as low as
9.24%
| Term in Months
48 to 60 months
|
APR = Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of loan. Maximum loan-to-value ratio up to 90%.
New Recreational Vehicle Loans
| APR as low as | Term in Months |
|---|---|
APR as low as
9.99%
| Term in Months
1 to 36 months
|
APR as low as
10.24%
| Term in Months
37 to 48 months
|
APR as low as
10.79%
| Term in Months
48 to 60 months
|
APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 85%.
Used Recreational Vehicle Loans
| APR as low as | Term in Months |
|---|---|
APR as low as
11.99%
| Term in Months
1 to 36 months
|
APR as low as
12.49%
| Term in Months
37 to 48 months
|
APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, year of vehicle and amount of the loan. Maximum loan-to-value ratio up to 75%.
Personal Loans
| APR as low as | Minimum Loan Amount | Term in Months |
|---|---|---|
APR as low as
14.50%
| Minimum Loan Amount
$2,500 | Term in Months
12 to 36 months
|
APR as low as
15.00%
| Minimum Loan Amount
$2,500 | Term in Months
37 to 60 months
|
APR=Annual Percentage Rate. Rates are subject to change at any time and may vary based on such factors as credit score, loan-to-value ratio, and amount of the loan.