APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of November 5, 2020. Fees may reduce earnings.


Deposit Rates

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $25 1.49% 1.50%
$10,000+ $25 0.25% 1.50% to 0.36%
All balances if qualifications not met $25 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
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

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 fee refunds the very next month.

*APR = Annual Percentage Rate. Actual rate may vary based on credit score, discounts and/or surcharges, loan term and loan-to-value. Term of loan may vary based on amount financed. All loan approvals are based on standard underwriting guidelines and/or automated credit-scoring benchmarks. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice. Certain restrictions apply.

Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.

Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $50,000 $5 0.49% 0.50%
$50,000+ $5 0.25% 0.50% to 0.33%
All balances if qualifications not met $5 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
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

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.

*APR = Annual Percentage Rate. Actual rate may vary based on credit score, discounts and/or surcharges, loan term and loan-to-value. Term of loan may vary based on amount financed. All loan approvals are based on standard underwriting guidelines and/or automated credit-scoring benchmarks. All Credit Union loan programs, rates, terms & conditions are subject to change at any time without notice. Certain restrictions apply. 

Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.

Regular Share Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $199.99 0.00% Monthly/Monthly $5
$200 - $24,999.99 0.05% Monthly/Monthly $5
$25,000 - $99,999.99 0.05% Monthly/Monthly $5
$100,000 and Above 0.05% Monthly/Monthly $5

Club Accounts

Account Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
Christmas Club Account Full Balance 0.05% Monthly/Monthly $5
Club Account $0 - $199.99 0.00% Monthly/Monthly $5
Club Account $200 and Above 0.05% Monthly/Monthly $5

Flex Fund Account Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $1,999.99 0.00% Daily/Monthly $2,000
$2,000 - $4,999.99 0.05% Daily/Monthly $2,000
$5,000.00 - $49,999.99 0.10% Daily/Monthly $2,000
$50,000.00 - $99,999.99 0.15% Daily/Monthly $2,000
$100,000 and Above 0.20% Daily/Monthly $2,000

IRA & Certificate Accounts Learn More

Term APY Compounded / Credited Minimum Balance /
Minimum Opening Deposit
6 Months 0.10% Monthly/Monthly $500
1 Year 0.10% Monthly/Monthly $500
18 Months 0.15% Monthly/Monthly $500
2 Years 0.20% Monthly/Monthly $500
3 Years 0.25% Monthly/Monthly $500
5 Years 0.40% Monthly/Monthly $500

Penalty for early withdrawal

IRA Regular Share Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $199.99 0.00% Monthly/Monthly $5
$200 - $24,999.99 0.05% Monthly/Monthly $5
$25,000 - $99,999.99 0.05% Monthly/Monthly $5
$100,000 and Above 0.05% Monthly/Monthly $5

IRA Flex Fund Account Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $1,999.99 0.00% Daily/Monthly $2,000
$2,000 - $4,999.99 0.05% Daily/Monthly $2,000
$5,000.00 - $49,999.99 0.10% Daily/Monthly $2,000
$50,000.00 - $99,999.99 0.15% Daily/Monthly $2,000
$100,000 and Above 0.20% Daily/Monthly $2,000

Loan Rates

Rates effective as of 2021-2-17.

Vehicle Loans

Type of Loan Terms up to APR as low as
New Autos 84 Months 1.49%
Used Autos 84 Months 1.49%
1st Time Auto Loan 60 Months 3.99%
Boats, RVs, & Campers 120 Months 2.99%
Motorcycles 60 Months 2.99%

Personal Loans

Type of Loan Details Terms up to APR as low as
Personal Loan $500 - $50,000 120 Months 5.99% APR
Share Loan Minimum $500 60 Months Loan interest rate is 2% above
the rate earned on the related deposit account.
Debt Consolidation Up to $50,000 60 Months  

PERSONAL LOAN - DEBT CONSOLIATION (proceeds used to payoff another creditor) 2.00% Loan Origination Fee will be assessed on each loan - NO CASH TO BORROWERS ALLOWED.

Visa Credit Cards

Type of Loan Details Payment APR as low as
Xplore Rewards Visa $500 - $30,000 2% Outstanding balance/ $25 min 9.90%
Xplore Platinum Visa $500 - $30,000 2% Outstanding balance/ $25 min 8.90%
Xplore Secured Visa Minimum $500 2% Outstanding balance/ $25 min 14.90%
Xplore Student Visa Maximum $500 2% Outstanding balance/ $25 min 18.00%

No Credit Check Loans

Description Amount APR
No Credit Check Loan $500 - $2,000 17.99%
No Credit Check Loan Plus $500 - $2,000 28.00%

Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.

We may provide links to third party sites, independent from Xplore Federal Credit Union. These links are provided only as a convenience. Xplore Federal Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Xplore Federal Credit Union.