Withdrawing cash shouldn’t come with a fee, so we've made it surcharge-free

Access your money when and where you need it with over 30,000 branches nationwide to choose from.

Benefits You’ll Love

  • Enjoy surcharge-free withdrawals
  • Conveniently search for ATMs nearby
  • Use the BFCU Mobile App to locate ATMs within seconds
  • Easily obtain address and location information
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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3. Lease 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 3.94% 4.00% 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 1.19% 1.20%
$7,500.00 - $24,999.99 $2,500 1.19% 1.20%
$25,000.00 - $49,999.99 $2,500 1.39% 1.40%
$50,000.00 - $249,999.99 $2,500 1.49% 1.50%
$250,000 or more $2,500 1.59% 1.60%

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 3.94% 4.00% 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%