Rates

We’ll transfer the rewards from your Kasasa® checking account to your Kasasa Saver® each month, no effort on your part — where you can earn up to a high 0.75 APY* on what you save!

Details
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
    • 0.75% APY* on balances up to $50,000
    • 0.75% to 0.42% APY on balances over $50,000 depending on balance in account*
    • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Withdrawals per month limited to six
  • Free online banking
  • Free mobile banking
  • Free eDelivery (online statements)
  • $50 minimum deposit to open

Earning Rewards Is Easy

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

  • At least 12 debit card purchases
  • At least 1 direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eDelivery (online statements) 

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!

Saver Add On for Cash Back: *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 0.75%; and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 0.42% to 0.75% APY depending on the account’s balance. Kasasa Cash Back: 3.00% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. *When linked to the Kasasa Saver account, the Cash Back earned within the Kasasa Cash Back is automatically transferred to the Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your Kasasa Cash Back account if the account’s balance is less than the transferred amount when transfer occurs. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 06/16/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements may apply. $100.00 minimum deposit is required to open the account. There is a maximum opening deposit of $300 for accounts opened online. Monthly Direct Deposit/ACH credit or debit, receipt of electronic statements are a condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open this account. There is a $25.00 fee if you close your account within 90 days of account opening. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. ATM fee reimbursements and Cash Back are taxable and will be reported to the IRS. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. Saver Add on for Cash: *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 0.75%; and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 0.42% to 0.75% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 2.25%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 0.65% to 2.25% APY* depending on the account’s balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.05%. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 06/16/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements may apply. $100.00 minimum deposit is required to open the account. There is a maximum opening deposit of $300 for accounts opened online. Monthly Direct Deposit/ACH credit or debit, receipt of electronic statements are condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open this account. There is a $25.00 fee if you close your account within 90 days of account opening. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. ATM fee reimbursements are taxable and will be reported to the IRS. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.