Use the money you’ve already put into your home to access more cash
With a HELOC, the equity in your home is your ticket to financing for future expenses.
Benefits You'll Love
- Take advantage of interest only minimum payments
- Gain access to a revolving line of credit to handle the unexpected
- Get check or debit card advances when you need cash
- Easily view and manage account with monthly statements
- Turn the equity in your home into ongoing, affordable financing
- Competitive rates for several ongoing or seasonal needs:
- Education expenses
- Major life events
- Home improvements
- Debt consolidation
- Emergency reserve
- And much more
- 5-year draw period
- Interest-only minimum payment
- Monthly statements
- Check or Debit card advances
- Accommodating repayment terms that work uniquely for you
- Funds available anytime without reapplying; apply once, then use repeatedly thereafter
- Revolving credit — as principal is repaid, more becomes available for use
- Funds easily available via in-person or phone transfers to a specified Bank of Tescott checking account
- The interest paid may be tax deductible*
- Set up automatic payments to be deducted from your account monthly
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
*Consult a tax advisor.
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD 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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs) ($0 - $9,999.99)
| Term | Interest Rate | APY |
|---|---|---|
| 3 Month | 0.31% | 0.31% |
| 6 Month | 3.36% | 3.40% |
| 9 Month | 3.65% | 3.70% |
| 12 Month | 3.65% | 3.70% |
| 15 Month | 3.455% | 3.50% |
| 18 Month | 3.455% | 3.50% |
| 19 Month | 3.45% | 3.50% |
| 24 Month | 3.55% | 3.60% |
| 30 Month | 3.55% | 3.60% |
| 36 Month | 3.55% | 3.60% |
| 42 Month | 3.55% | 3.60% |
| 48 Month | 3.55% | 3.60% |
| 60 Month | 3.55% | 3.60% |
Interest compounds semi-annually; automatically renews.
$1,000.00 Minimum Opening Balance on all CDs.
IRA rates are the same as rates paid on CDs over $10,000.00.
Substantial Penalty for Early Withdrawal.
ACCOUNTS INSURED BY THE FDIC.
Notice to Consumers: Contact bank employees for more information.
Certificates of Deposit (CDs) ($10,000+)
| Term | Interest Rate | APY |
|---|---|---|
| 3 Month | 0.66% | 0.66% |
| 6 Month | 3.70% | 3.75% |
| 9 Month | 3.99% | 4.05% |
| 12 Month | 3.99% | 4.05% |
| 15 Month | 3.80% | 3.85% |
| 18 Month | 3.80% | 3.85% |
| 19 Month | 3.795% | 3.85% |
| 24 Month | 3.89% | 3.95% |
| 30 Month | 3.89% | 3.95% |
| 36 Month | 3.89% | 3.95% |
| 42 Month | 3.89% | 3.95% |
| 48 Month | 3.89% | 3.95% |
| 60 Month | 3.89% | 3.95% |
Interest compounds semi-annually; automatically renews.
$1,000.00 Minimum Opening Balance on all CDs.
IRA rates are the same as rates paid on CDs over $10,000.00.
Substantial Penalty for Early Withdrawal.
ACCOUNTS INSURED BY THE FDIC.
Notice to Consumers: Contact bank employees for more information.
Children Savings
| Interest Rate | APY | Compounded |
|---|---|---|
| 0.10% | 0.10% | Daily |
Minimum to avoid service charge is $5.00.
Club 50 Account
| Interest Rate | APY | Compounded |
|---|---|---|
| 0.10% | 0.10% | Monthly |
To qualify you must be 50 or over and have $5,000 in deposits. Initial minimum deposit required is $100.00
Executive Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| $9,999.99 OR LESS | 0.32% | 0.32% |
| $10,000 - $49,999.99 | 0.47% | 0.47% |
| $50,000 - $99,999.99 | 0.64% | 0.64% |
| $100,000 - $149,999.99 | 0.72% | 0.72% |
| $150,000 - $199,999.99 | 0.80% | 0.80% |
| $200,000 - $499,999.99 | 0.96% | 0.96% |
| $500,000 AND OVER | 1.12% | 1.13% |
Free Kasasa Cash Back*
| Cash Back Rate | Purchase Limit | Max Reward |
|---|---|---|
| 5.00% | $200 | $10/month |
eStatements, via Online Banking, are required to open and maintain the account.
Qualifications
It's so easy to qualify, 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 Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment
- At least 12 debit card purchases
Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back 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!
Free Kasasa Cash*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $50,000 | 4.8889% | 5.00% |
| $50,000+ | 0.50% | 5.00% to 2.00% |
| Qualifications not met | 0.05% | 0.05% |
eStatements, via Online Banking, are required to open and maintain the account.
Qualifications
It's so easy to qualify, 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 1 direct deposit or ACH payment
- At least 25 debit card purchases
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!
Free Kasasa Saver*
| Tier | Interest Rate | APY |
|---|---|---|
| All Amounts (no cap) | 1.98% | 2.00% |
| Qualifications not met | 0.05% | 0.05% |
eStatements, via Online Banking, are required to open and maintain the account.
Qualifications
Qualifying for Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each monthly qualification cycle:
Kasasa Cash
- Be enrolled and receive your monthly account statement electronically
- At least 1 direct deposit or ACH payment
- At least 25 debit card purchases
Kasasa Cash Back:
- Be enrolled and receive your monthly account statement electronically
- At least 1 direct deposit or ACH payment
- At least 12 debit card purchases
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!
Legacy Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| $9,999.99 OR LESS | 0.32% | 0.32% |
| $10,000 - $49,999.99 | 0.47% | 0.47% |
| $50,000 - $99,999.99 | 0.64% | 0.64% |
| $100,000 - $149,999.99 | 0.72% | 0.72% |
| $150,000 - $199,999.99 | 0.80% | 0.80% |
| $200,000 - $499,999.99 | 0.96% | 0.96% |
| $500,000 AND OVER | 1.12% | 1.13% |
Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| $0 - $3,999.99 | 0.10% | 0.10% |
| $4,000+ | 0.17% | 0.17% |
Minimum to avoid Service Charge: $500.00.
NOW Checking
| Interest Rate | APY | Compounded |
|---|---|---|
| 0.10% | 0.10% | Monthly |
Minimum to avoid service charge is $500.00.
Statement Savings
| Interest Rate | APY | Compounded |
|---|---|---|
| 0.10% | 0.10% | Daily |
Initial minimum deposit required is $50.00
Traditions High Yield Business Savings
| Balance | Rate | APY |
|---|---|---|
| $4,999.99 or less | .50% | .50% |
| $5,000.00 or more | 3.78% | 3.85% |
Minimum balance to open: $100.00.
Interest compounded and credited monthly.
eStatements are required.
Traditions High Yield Savings
| Balance | Interest Rate | APY |
|---|---|---|
| $4,999.99 or less | .50% | .50% |
| $5,000.00 or more | 3.78% | 3.85% |
Minimum balance to open: $100.00.
Interest compounded and credited monthly.
e-Statements are required.