Earn 5.00% APY* on balances up to $10,000
Enjoy free checking that earns high dividends.
Benefits You'll Love
- Earn really high dividends
- No monthly maintenance fee
- No minimum balance requirements
- Free online and mobile banking
Benefits
- Free checking that pays high dividends
- 5.00% APY* on balances up to and including $10,000
- 5.00% to 0.68% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on nationwide ATM Service Charges (up to $20 monthly)*
- Comes with a Bright Savings to encourage you to save
- No monthly maintenance fee
- No minimum balance to earn rewards
- Wide range of digital banking services:
- Free online banking & bill pay1
- Free mobile banking
- Free eStatements
- First debit card free2
- $50 minimum deposit to open
Monthly Qualifications
All monthly activities must be met during the calendar month.
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Bright Cash account is still free, and you'll still earn the base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.
^*APY = Annual Percentage Yield. APYs accurate as of 11/01/2026. Enrollment in electronic services (ex: online banking, eStatements) are required to meet some of the accounts’ qualifications. Account transactions & activities may take one (1) or more days to post and settle to the account & all must do so during the Monthly Qualification Cycle to qualify for the account’s rewards. The “Monthly Qualification Cycle” follows the calendar month. Balances up to $10,000 receive an APY of 5.00%, and balances over $10,000 receive an APY of 0.25% on the portion of the balance over $10,000, resulting in 5.00% to 0.68% APY depending on the balance. You will also receive reimbursements of up to $20 for nationwide ATM fees incurred during the month in which you qualified. When qualifications are not met, all balances earn 0.05% APY. Interest will be credited to your Bright Cash account on the first day of the following month. Fees may reduce earnings. Rates & rewards are variable and may change after account is opened. If the account is closed, you will forfeit any rewards that have not been credited to your account. Account approval, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Limit one (1) account per social security number. There are no recurring monthly maintenance charges. Ask for full details.
1Bill pay is free only if it is used at least once per month — otherwise, a $5 monthly service charge applies.
2First debit card is free. A service charge of $10 applies for each additional debit card.
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 dividends 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 dividends 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)
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| The BEST Future Program Kids CD - Up to 185 Months* | $100 | 7.77% | 8.00% | 90 - 180 days interest* |
| 6 Month | $500 | 2.97% | 3.00% | 90 days interest |
| 12 Month | $500 | 3.45% | 3.50% | 90 days interest |
| 12 Month Super Kids | $100 min $2,500 max | 4.91% | 5.00% | 90 days interest |
| 24 Month | $500 | 3.45% | 3.50% | 180 days interest |
| 36 Month | $500 | 3.70% | 3.75% | 180 days interest |
| 48 Month | $500 | 3.45% | 3.50% | 180 days interest |
| 60 Months | $500 | 3.45% | 3.50% | 180 days interest |
Penalty for early withdrawal.
*See The BEST Future Program for Kids brochure for more details.
Easy Access Money Market
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $1,150 - $2,499 | $2,500 | 0.15% | 0.15% |
| $2,500 - $7,499.99 | $2,500 | 1.19% | 1.20% |
| $7,500.00 - $24,999.99 | $2,500 | 1.29% | 1.30% |
| $25,000.00 - $49,999.99 | $2,500 | 1.49% | 1.50% |
| $50,000.00 - $249,999.99 | $2,500 | 1.74% | 1.75% |
| $250,000 or more | $2,500 | 1.74% | 1.75% |
IRA Certificates
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 Month | $500 | 2.97% | 3.00% | 90 days interest |
| 12 Month | $500 | 3.45% | 3.50% | 90 days interest |
| 24 Month | $500 | 3.45% | 3.50% | 180 days interest |
| 36 Month | $500 | 3.70% | 3.75% | 180 days interest |
| 48 Month | $500 | 3.45% | 3.50% | 180 days interest |
| 60 Month | $500 | 3.45% | 3.50% | 180 days interest |
Penalty for early withdrawal.
Kasasa Cash*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $10,000 | $50 | 4.89% | 5.00% |
| $10,000+ | $50 | 0.25% | 5.00% to 0.68% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications to Earn Rewards
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 credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $50,000 | $5 | 1.74% | 1.75% |
| $50,000+ | $5 | 0.25% | 1.75% to 0.75% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications to Earn Rewards
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 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's really it. But if you don't meet your qualifications one cycle, your account is still free — and you’ll still earn our base dividend rate on your Kasasa Saver balance. Then you can get back to earning your full rewards the very next month.
Loans
| Loan Type | APR Starting At |
|---|---|
| Home Equity Line of Credit (Variable) | Call for Current Rates |
| Home Equity Loan (Fixed) | Call for Current Rates |
| Auto Loan (New & Used) | 3.99% |
| Motorcycle | 4.99% |
| Boats/RVs | 5.74% |
| Credit Card | 9.99% |
| Home Mortgage | Call for Current Rates |
| Personal Loan | 7.99% |
Savings Accounts
| Account Type | Minimum Balance to Earn Interest | Rate | APY |
|---|---|---|---|
| Regular Savings | $100 | 0.15% | 0.15% |
| Sub Share Savings | $100 | 0.15% | 0.15% |
| Youth Accounts | $100 | 0.15% | 0.15% |
| IRA Savings | $100 | 0.60% | 0.60% |
| Christmas Club | $100 | 0.25% | 0.25% |
| Any Reason for All Seasons | $100 | 0.25% | 0.25% |