APY = Annual Percentage Yield. Rates effective as of August 10, 2022. Fees may reduce earnings. Rates subject to change at any time (except for IRAs and CDs). 

Kasasa Cash* Learn More

Principle

Balance Minimum Opening Deposit Rate APY
0 - $25,000 $100 3.00% 3.04%
$25,000+ $100 0.15% 3.04% to 0.52%
All balances if qualifications not met $100 0.05% 0.05%

Enhanced

Balance Minimum Opening Deposit Rate APY
0 - $25,000 $100 6.79% 7.00%
$25,000+ $100 0.15% 7.00% to 1.52%
All balances if qualifications not met $100 0.05% 0.05%
0 - $25,000
Minimum Opening Deposit$100
Rate3.00%
APY3.04%
$25,000+
Minimum Opening Deposit$100
Rate0.15%
APY3.04% to 0.52%
All balances if qualifications not met
Minimum Opening Deposit$100
Rate0.05%
APY0.05%
Balance
Minimum Opening DepositMinimum Opening Deposit
RateRate
APYAPY
0 - $25,000
Minimum Opening Deposit$100
Rate6.79%
APY7.00%
$25,000+
Minimum Opening Deposit$100
Rate0.15%
APY7.00% to 1.52%
All balances if qualifications not met
Minimum Opening Deposit$100
Rate0.05%
APY0.05%

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:

  • Have at least 1 direct deposit, ACH credit or ACH payment transaction post and settle
  • Have at least 15 debit card purchases post and settle* to earn the 3.04% APY rate, or
  • Have at least 30 debit card purchases post and settle* to earn the 7% APY rate

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.?? 

That’s it! And, if you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.

Kasasa Saver* Learn More

Kasasa Cash with Saver

Balance Minimum Opening Deposit Rate APY
0 - $50,000 $100 1.00% 1.01%
$50,000+ $100 0.15% 1.01% to 0.43%
All balances if qualifications not met $100 0.05% 0.05%

Kasasa Cash Back with Saver

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $100 0.50% 0.50%
$20,000+ $100 0.15% 0.50% to 0.21%
All balances if qualifications not met $100 0.05% 0.05%
0 - $50,000
Minimum Opening Deposit$100
Rate1.00%
APY1.01%
$50,000+
Minimum Opening Deposit$100
Rate0.15%
APY1.01% to 0.43%
All balances if qualifications not met
Minimum Opening Deposit$100
Rate0.05%
APY0.05%
Balance
Minimum Opening DepositMinimum Opening Deposit
RateRate
APYAPY
0 - $20,000
Minimum Opening Deposit$100
Rate0.50%
APY0.50%
$20,000+
Minimum Opening Deposit$100
Rate0.15%
APY0.50% to 0.21%
All balances if qualifications not met
Minimum Opening Deposit$100
Rate0.05%
APY0.05%

Qualifications

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: 

Kasasa Cash Account Holders: 

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 15 debit card purchases

Kasasa Cash Back Account Holders:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 15 debit card purchases

And that’s it! If you don’t qualify this monthly cycle, your account is still free and you’ll still earn the base interest rate. Plus, you’ll get right back to earning your rewards the very next month.

Personal Accounts

Account Rate APY
Classic Checking 0.15% 0.15%
Personal Savings 0.10% 0.10%
Youth Savings 0.10% 0.10%

Personal Money Manager
($2,500 required daily balance)

up to $100,000

$100,001 - $250,000

$250,001 and above

 

0.50%

0.75%

1.00%

 

0.50%

0.75%

1.00%

 

 

 

Classic Checking
Rate0.15%
APY0.15%
Personal Savings
Rate0.10%
APY0.10%
Youth Savings
Rate0.10%
APY0.10%

Personal Money Manager
($2,500 required daily balance)

up to $100,000

$100,001 - $250,000

$250,001 and above

Rate

 

0.50%

0.75%

1.00%

APY

 

0.50%

0.75%

1.00%

 

Rate

 

APY

 

Business Accounts

Account Rate APY
Business NOW Checking
(Sole Proprietor/Non-Profit)
0.15% 0.15%
Business Savings
$500.00 required daily balance
0.10% 0.10%
Business Money Manager
$2,500 required daily balance.
0.35% 0.35%
Business NOW Checking
(Sole Proprietor/Non-Profit)
Rate0.15%
APY0.15%
Business Savings
$500.00 required daily balance
Rate0.10%
APY0.10%
Business Money Manager
$2,500 required daily balance.
Rate0.35%
APY0.35%

Certificates of Deposit (CDs) Learn More

Term Rate APY
3 Month 2.50% 2.53%
6 Month 3.93% 4.00%
7 Month Special * 4.46% 4.55%
     
1 Year 2.00% 2.01%

14 Month Special *

 

4.12% 4.20%

18 Month Special

2.75% 2.78%

2 Year

1.00% 1.00%
3 Year 1.25% 1.25%
18 Month IRA 2.75% 2.78%
  • * 7 month special will renew at a 6 month rate & term at maturity.
  • * 9 month & 14 month special will renew at a 12 month rate & term at maturity 
3 Month
Rate2.50%
APY2.53%
6 Month
Rate3.93%
APY4.00%
7 Month Special *
Rate4.46%
APY4.55%
 
Rate 
APY 
1 Year
Rate2.00%
APY2.01%

14 Month Special *

 

Rate4.12%
APY4.20%

18 Month Special

Rate2.75%
APY2.78%

2 Year

Rate1.00%
APY1.00%
3 Year
Rate1.25%
APY1.25%
18 Month IRA
Rate2.75%
APY2.78%

$500 Minimum balance required.

A penalty may be imposed for early withdrawal on CDs.

IRA Learn More

Term Rate APY
18 Month 2.75% 2.78%
18 Month
Rate2.75%
APY2.78%

$500 Minimum balance required.

A penalty may be imposed for early withdrawal.

Additional deposits allowed on this IRA only. For more information, call (501) 376-0800.