Simplify saving and earn when you do it the Kasasa® way

Use automatic transfers of your Kasasa® checking rewards to put your saving strategy 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

‡APY=Annual Percentage Yield. APYs accurate as of 02/01/2023. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during 
qualification cycle will be reimbursed up to $20 ($4.99 per transaction) and credited to account 
on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 5.00%; and (3)
balances over $10,000 earn 0.25% dividend rate on the portion of the balance over $50,000, resulting in 5.00% to 0.68% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions and transfers between accounts do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $50,000 in Kasasa Saver receive an APY of 1.75%; and (2) balances over $10,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $10,000, resulting in 1.75% to 0.75% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.05% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual fee of $5.00 or higher.

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

1. Vehicle Info
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2. Loan Details
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CD CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit (CDs)

Term Minimum Opening Deposit Rate APY Early Withdrawal Penalty
6 Month $500 3.21% 3.25% 90 days interest
12 Month $500 3.94% 4.00% 90 days interest
12 Month Super Kids $100 min $2,500 max 4.91% 5.00% 90 days interest
24 Month $500 2.72% 2.75% 180 days interest
36 Month $500 2.82% 2.85% 180 days interest
48 Month $500 3.02% 3.05% 180 days interest
60 Months $500 3.21% 3.25% 180 days interest

Penalty for early withdrawal.

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 0.50% 0.50%
$7,500.00 - $24,999.99 $2,500 0.70% 0.70%
$25,000.00 - $49,999.99 $2,500 0.90% 0.90%
$50,000.00 - $249,999.99 $2,500 1.49% 1.50%
$250,000 or more $2,500 1.24% 1.25%

IRA Certificates

Term Minimum Opening Deposit Rate APY Early Withdrawal Penalty
6 Month $500 3.21% 3.25% 90 days interest
12 Month $500 3.94% 4.00% 90 days interest
24 Month $500 2.72% 2.75% 180 days interest
36 Month $500 2.82% 2.85% 180 days interest
48 Month $500 3.02% 3.05% 180 days interest
60 Month $500 3.21% 3.25% 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) 4.99%
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%
Associations $100 0.15% 0.15%
Member Choice $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%