Make saving automatic with Bright Savings!
Put your Rewards Checking on cruise control.
Benefits You’ll Love
- $0 minimum opening deposit
- No monthly maintenance fee
- No minimum balance requirement
- Build savings and earn even if qualifications aren’t met
Benefits
- Free account that builds your savings effortlessly
- Automatically comes with a Bright Cash or Bright Cash Back Rewards Checking Account checking
- Checking Account rewards are deposited to the Bright Savings
- 1.75% APY^ on balances up to $50,000
- 1.75% to 0.75% 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 fee
- No minimum balance to earn rewards
- Wide range of digital banking services
- $0 minimum deposit to open
Monthly Qualifications
You are automatically qualified for Bright Savings if you qualify in the your Bright Cash or Bright Cash Back Checking
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 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 Bright Savings balance. Then you can get back to earning your full rewards the very next month.
^*APY = Annual Percentage Yield. APYs accurate as of 11/01/2026. When your Bright Cash Back or Cash Checking Account qualifications are met during a Monthly Qualification Cycle, you automatically qualify for earnings in a Bright Savings account. Average daily balances up to and including $50,000 in your Bright Savings account earn a dividend rate of 1.73617% resulting in an APY of 1.75%; and average daily balances over $50,000 earn a dividend rate of .25% on the portion of the average daily balance over $50,000, resulting in a range from 1.75% to 0.75% APY depending on the account's average daily balance. When your Checking Account qualifications are not met, the entire average daily balance in the Bright Savings account earns an APY of 0.05%. Dividends will be credited to your Bright Savings account on the first day of the following month. 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.
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% |