Free checking with real rewards that pay. 

Have the checking essentials you need, with the tools to manage funds, and receive high dividends. 

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Benefits You'll Love

  • 4.00% APY* on balances up to $10,000.
  • No minimum balance to earn rewards.
  • No monthly maintenance fees.
  • Build savings effortlessly when linked to Kasasa Saver®. 
Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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3. Lease Details
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Share Certificate CalculatorDisclaimer

A fixed-rate, fixed-term Share Certificate 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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total paid $0
  • Total interest paid $0

Kasasa Cash*

Balance Dividend Rate APY
0 - $10,000 3.92% 4.00%
$10,000+ 0.25% 4.00% to 0.59%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, 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 debit card purchases, each greater than $4.99
  • At least one direct deposit or ACH credit transaction
  • Be enrolled in and agree to receive E-Statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM withdrawal fee refunds the very next month.

Kasasa Saver*

Balance Dividend Rate APY
0 - $15,000 1.00% 1.00%
$15,000+ 0.25% 1.00% to 0.35%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash or 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 Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases, each greater than $4.99
  • At least one direct deposit or ACH credit transaction
  • Be enrolled in and agree to receive E-Statements

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 month you qualify.

Loan Rates

We know every other website rate sheet has 35+ different rates, terms, minimums, maximums, year, make, model...you get the idea. Let’s make this easier and cut to the chase! Give us a call: (605) 342-7776 and speak with a Loan Officer today for your specific rate quote.

Here are a few common rates we currently offer:

  • Auto/Recreational 5.80% APR*
  • Home Equity Line of Credit 7.50% APR*
  • Credit Cards 7.0% APR*

Advertised rates and terms are subject to change at any time without notice.

Aspen FCU offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!

Loan Payment Example: At 5.55% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $19.18 per $1,000.00 borrowed.

*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call Aspen FCU at 605-342-7776

*Home Equity Lines of Credit rates are variable and subject to change on a quarterly basis. Maximum APR not to exceed 18%

Share Certificates

Term Dividend Rate APY
6 Months 0.55% 0.55%
12 Months 1.49% 1.50%
18 Months 1.59% 1.60%
24 Months 1.73% 1.75%
36 Months 1.98% 2.00%
48 Months 2.23% 2.25%

30 Month CD Special 3.45% Dividend Rate 3.50% APY

14 Month CD Special 3.94% Dividend Rate 4.00% APY*

8 Month CD Special 4.43% Dividend Rate 4.50% APY*

Some Restrictions Apply call 605-342-7776 for more details.

Penalty for early withdrawal.

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