APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates effective as of March 1, 2025. Fees may reduce earnings.


Deposit Rates

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $25 4.41% 4.50%
$10,000+ $25 0.75% 0.75%
All balances if qualifications not met $25 0.05% 0.05%
0 - $10,000
Minimum Opening Deposit$25
Rate4.41%
APY4.50%
$10,000+
Minimum Opening Deposit$25
Rate0.75%
APY0.75%
All balances if qualifications not met
Minimum Opening Deposit$25
Rate0.05%
APY0.05%
Disclosure

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.

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% 0.25%
All balances if qualifications not met $5 0.05% 0.05%
0 - $50,000
Minimum Opening Deposit$5
Rate0.49%
APY0.50%
$50,000+
Minimum Opening Deposit$5
Rate0.25%
APY0.25%
All balances if qualifications not met
Minimum Opening Deposit$5
Rate0.05%
APY0.05%
Disclosure

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.

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 - $9,999.99 0.05% Monthly/Monthly $5
$10,000 - $249,999.99 0.10% Monthly/Monthly $5
$250,000 and Above 0.15% Monthly/Monthly $5
$0 - $199.99
APY0.00%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$200 - $9,999.99
APY0.05%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$10,000 - $249,999.99
APY0.10%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$250,000 and Above
APY0.15%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$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
Christmas Club Account
Minimum Balance RangeFull Balance
APY0.05%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
Club Account
Minimum Balance Range$0 - $199.99
APY0.00%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
Club Account
Minimum Balance Range$200 and Above
APY0.05%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5

Flex Fund Account Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $1999.99 0.00% Daily/Monthly $2,000
$2,000 - $9,999.99 0.05% Daily/Monthly $2,000
$10,000.00 - $24,999.99 0.50% Daily/Monthly $2,000
$25,000.00 - $49,999.99 0.75% Daily/Monthly $2,000
$50,000.00 - $99,999.99 1.00% Daily/Monthly $2,000
$100,000.00 - $249,999.99 1.25% Daily/Monthly $2,000
$250,000 and Above 1.50% Daily/Monthly $2,000
$0 - $1999.99
APY0.00%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$2,000 - $9,999.99
APY0.05%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$10,000.00 - $24,999.99
APY0.50%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$25,000.00 - $49,999.99
APY0.75%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$50,000.00 - $99,999.99
APY1.00%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$100,000.00 - $249,999.99
APY1.25%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$250,000 and Above
APY1.50%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000

IRA & Share Certificate Accounts Learn More

Term APY Compounded / Credited Minimum Balance /
Minimum Opening Deposit
6 Months 4.00% Monthly/Monthly $500
1 Year 4.00% Monthly/Monthly $500
2 Years 3.00% Monthly/Monthly $500
3 Years 3.00% Monthly/Monthly $500
5 Years 3.00% Monthly/Monthly $500
6 Months
APY4.00%
Compounded / CreditedMonthly/Monthly
Minimum Balance /
Minimum Opening Deposit
$500
1 Year
APY4.00%
Compounded / CreditedMonthly/Monthly
Minimum Balance /
Minimum Opening Deposit
$500
2 Years
APY3.00%
Compounded / CreditedMonthly/Monthly
Minimum Balance /
Minimum Opening Deposit
$500
3 Years
APY3.00%
Compounded / CreditedMonthly/Monthly
Minimum Balance /
Minimum Opening Deposit
$500
5 Years
APY3.00%
Compounded / CreditedMonthly/Monthly
Minimum Balance /
Minimum Opening Deposit
$500
Disclosure

Penalty for early withdrawal

Jumbo IRA & Share Certificate Accounts Learn More

Term

APY

Compounded / Credited

Minimum Balance / Minimum Opening Deposit

1 Year 2.50% Monthly/Monthly $200,000
2 Years 3.50% Monthly/Monthly $200,000
3 Years 3.50% Monthly/Monthly $200,000
5 Years 3.50% Monthly/Monthly $200,000
1 Year

APY

2.50%

Compounded / Credited

Monthly/Monthly

Minimum Balance / Minimum Opening Deposit

$200,000
2 Years

APY

3.50%

Compounded / Credited

Monthly/Monthly

Minimum Balance / Minimum Opening Deposit

$200,000
3 Years

APY

3.50%

Compounded / Credited

Monthly/Monthly

Minimum Balance / Minimum Opening Deposit

$200,000
5 Years

APY

3.50%

Compounded / Credited

Monthly/Monthly

Minimum Balance / Minimum Opening Deposit

$200,000
Disclosure

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 - $9,999.99 0.05% Monthly/Monthly $5
$10,000 - $249,999.99 0.10% Monthly/Monthly $5
$250,000 and Above 0.15% Monthly/Monthly $5
$0 - $199.99
APY0.00%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$200 - $9,999.99
APY0.05%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$10,000 - $249,999.99
APY0.10%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5
$250,000 and Above
APY0.15%
Compounded / CreditedMonthly/Monthly
Minimum Opening Deposit$5

IRA Flex Fund Account Learn More

Minimum Balance Range APY Compounded / Credited Minimum Opening Deposit
$0 - $1999.99 0.00% Daily/Monthly $2,000
$2,000 - $9,999.99 0.05% Daily/Monthly $2,000
$10,000.00 - $24,999.99 0.50% Daily/Monthly $2,000
$25,000.00 - $49,999.99 0.75% Daily/Monthly $2,000
$50,000.00 - $99,999.99 1.00% Daily/Monthly $2,000
$100,000.00 - $249,999.99 1.25% Daily/Monthly $2,000
$250,000 and Above 1.50% Daily/Monthly $2,000
$0 - $1999.99
APY0.00%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$2,000 - $9,999.99
APY0.05%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$10,000.00 - $24,999.99
APY0.50%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$25,000.00 - $49,999.99
APY0.75%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$50,000.00 - $99,999.99
APY1.00%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$100,000.00 - $249,999.99
APY1.25%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000
$250,000 and Above
APY1.50%
Compounded / CreditedDaily/Monthly
Minimum Opening Deposit$2,000

Loan Rates

Rates effective as of 05/02/2023.

Vehicle Loans

Type of Loan Terms up to APR as low as
New Autos 84 Months 4.49%
Used Autos 84 Months 4.99%
1st Time Auto Loan 60 Months 6.99%
Boats, RVs, & Campers 120 Months 7.24%
Motorcycles 60 Months 7.24%
New Autos
Terms up to84 Months
APR as low as4.49%
Used Autos
Terms up to84 Months
APR as low as4.99%
1st Time Auto Loan
Terms up to60 Months
APR as low as6.99%
Boats, RVs, & Campers
Terms up to120 Months
APR as low as7.24%
Motorcycles
Terms up to60 Months
APR as low as7.24%
Disclosure

APR = Annual Percentage Rate. Actual rate may vary based on credit score, surcharges, and loan terms. Term of loan may vary based on amount financed. Approval and terms are based on member's credit and ability to repay. The rate may vary depending on each individual's credit history and underwriting factors. Certain restrictions apply.

Personal Loans

Type of Loan Details Terms up to APR as low as
Personal Loan $500 - $50,000 120 Months 8.49% APR
Share Loan Minimum $500 60 Months Rate is 2.00% above rate paid on shares held as collateral for 0-24 months, 2.50% for 25-48 months, and 3.00% for 49-60 months.
Debt Consolidation $5,000 to $50,000 60 Months 9.49% Rate plus a 2.00% Loan Origination Fee will be assessed on each loan
Personal Loan
Details$500 - $50,000
Terms up to120 Months
APR as low as8.49% APR
Share Loan
DetailsMinimum $500
Terms up to60 Months
APR as low asRate is 2.00% above rate paid on shares held as collateral for 0-24 months, 2.50% for 25-48 months, and 3.00% for 49-60 months.
Debt Consolidation
Details$5,000 to $50,000
Terms up to60 Months
APR as low as9.49% Rate plus a 2.00% Loan Origination Fee will be assessed on each loan
Disclosure

APR = Annual Percentage Rate. Actual rate may vary based on credit score, surcharges, and loan terms. Term of loan may vary based on amount financed. Approval and terms are based on member's credit and ability to repay. The rate may vary depending on each individual's credit history and underwriting factors. Certain restrictions apply.

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%
Xplore Rewards Visa
Details$500 - $30,000
Payment2% Outstanding balance/ $25 min
APR as low as9.90%
Xplore Platinum Visa
Details$500 - $30,000
Payment2% Outstanding balance/ $25 min
APR as low as8.90%
Xplore Secured Visa
DetailsMinimum $500
Payment2% Outstanding balance/ $25 min
APR as low as14.90%
Xplore Student Visa
DetailsMaximum $500
Payment2% Outstanding balance/ $25 min
APR as low as18.00%
Disclosure

APR = Annual Percentage Rate. Actual rate may vary based on credit score, surcharges, and loan terms. Term of loan may vary based on amount financed. Approval and terms are based on member's credit and ability to repay. The rate may vary depending on each individual's credit history and underwriting factors. Certain restrictions apply.

No Credit Check Loans

Description Amount APR
No Credit Check Loan $500 - $2,000 17.99%
No Credit Check Loan Plus $500 - $1,000 28.00%
No Credit Check Loan
Amount$500 - $2,000
APR17.99%
No Credit Check Loan Plus
Amount$500 - $1,000
APR28.00%
Disclosure

APR = Annual Percentage Rate. 

Disclosure

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.