APY = Annual Percentage Yield. Rates and APYs are accurate as of November 1, 2025. Rates effective November 1, 2025.
Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.
Federally insured by NCUA. Rates are subject to change without notice. Some restrictions apply.
Kasasa Cash®* Learn More
| Tier | Rate | APY |
|---|---|---|
| 0 - $15,000 | 2.9595% | 3.00% |
| $15,001.00+ | 0.25% | 0.25% |
| Qualifications not met | 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 12 debit card purchases
- Be enrolled in e-Statements
Even if you don’t meet these qualifications one month, your account is still free. You’ll also still earn our base dividend rate — and can get back to earning your full rewards the very next month.
Kasasa Saver®* Learn More
| Tier | Rate | APY |
|---|---|---|
| 0 - $25,000 | 0.99% | 1.00% |
| $25,000+ | 0.025% | 1.00% to 0.40% |
| Qualifications not met | 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 12 debit card purchases
- Be enrolled in e-Statements
Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. And you’ll still earn our base rate on Kasasa Saver. Then you can get right back to earning your full rewards the very next month.
Share Savings Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $100+ | 0.05% | 0.05% |
Community Checking
| Minimum Balance | Rate | APY |
|---|---|---|
| $0 - $4,999.99 | 0.50% | 0.50% |
| $5,000 - $9,999.99 | 0.75% | 0.75% |
| $10,000 - $14,999.99 | 1.25% | 1.26% |
| $15,000+ | 0.30% | 0.30% |
Earn Dividends if meeting all requirements - E-Statements AND Seven (7) debit card purchases in a month AND $50 direct deposit.
Wealthcare Checking Learn More
| Rate | APY |
|---|---|
| 0.25% | 0.25% |
Rate Information: A fixed rate checking account with no minimum balance requirement. The account dividend rate will be determined by the Board of Directors and adjusted as needed to maintain a competitive rate for our members.
Compounding and Crediting: Dividends will be earned daily. The dividend period is daily, and dividends will be compounded and credited to the account monthly.
Dividend Period: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of the dividend period, and for the example above is February 1. If you close your account before dividends are paid, you will not receive the accrued dividends.
Balance Computation Method: Dividends are calculated by the daily balance method which applies a daily periodic rate to the daily balance for the daily balance calculation period.
Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) in your account.
Minimum balance requirements: The minimum balance required to open this account is $100.00.
Dividends: All balances earn a dividend rate of 0.25% APY.
Service Fee: The service charge is $5.00 each month.
Premium Plus Checking (Existing Accounts Only)
| Rate | APY |
|---|---|
| 0.10% | 0.10% |
Business Checking Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $0 - $499.99 | 0.05% | 0.05% |
| $500 - $1,999.99 | 0.50% | 0.50% |
| $2,000+ | 0.50% | 0.50% |
Money Market Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.00 - $10,000.00 | 0.50% | 0.50% |
| $10,000.01 - $20,000.00 | 0.76% | 0.76% |
| $20,000.01 - $40,000.00 | 1.00% | 1.01% |
| $40,000.01 - $50,000.00 | 1.25% | 1.26% |
| $50.000.01 - $100,000.00 | 1.49% | 1.50% |
|
$100,000.01 + |
1.59% | 1.60% |
Premium Plus Money Market Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.00 - $25,000.00 | 0.70% | 0.70% |
| $25,000.01 - $50,000.00 | 1.05% | 1.06% |
| $50,000.01 - $100,000.00 | 1.54% | 1.55% |
| $100,000.01 - 250,000.00 | 1.64% | 1.65% |
| $250,000.01 + | 1.69% | 1.70% |
Share Certificate Learn More
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 90 Days | $1,000 - $9,999.99 | 3.68% | 3.75% |
| 90 Days | $10,000 - $39,999.99 | 3.68% | 3.75% |
| 90 Days | $40,000+ | 3.68% | 3.75% |
| 6 Months | $1,000 - $9,999.99 | 3.50% | 3.55% |
| 6 Months | $10,000 - $39,999.99 | 3.50% | 3.55% |
| 6 Months | $40,000+ | 3.50% | 3.55% |
| 12 Months | $1,000 - $9,999.99 | 3.44% | 3.50% |
| 12 Months | $10,000 - $39,999.99 | 3.44% | 3.50% |
| 12 Months | $40,000+ | 3.44% | 3.50% |
| 24 Months | $1,000 - $9,999.99 | 3.36% | 3.40% |
| 24 Months | $10,000 - $39,999.99 | 3.36% | 3.40% |
| 24 Months | $40,000+ | 3.36% | 3.40% |
| Student Certificate (13-21) | N/A | 3.94% | 4.00% |
| 36 Month - No Bump | N/A | 3.26% | 3.30% |
| 48 Month - No Bump | N/A | 3.26% | 3.30% |
| 60 Month - No Bump | N/A | 3.26% | 3.30% |
| Specials | |||
| Members' Choice 10 or 11 month | $1,000 | 3.44% | 3.50% |
| 15 month | $1,000 | 3.44% | 3.50% |
|
19 month |
$1,000 | 3.36% | 3.40% |
| 30 month | $1,000 | 3.26% | 3.30% |
Penalty for early withdrawal.
Individual Retirement Certificates Learn More
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 12 Months | $1,000 - $9,999.99 | 3.44% | 3.50% |
| 12 Months | $10,000 - $39,999.99 | 3.44% | 3.50% |
| 12 Months | $40,000+ | 3.44% | 3.50% |
| 24 Months | $1,000 - $9,999.99 | 3.36% | 3.40% |
| 24 Months | $10,000 - $39,999.99 | 3.36% | 3.40% |
| 24 Months | $40,000+ | 3.36% | 3.40% |
| 36 Months | $1,000 - $9,999.99 | 3.26% | 3.30% |
| 36 Months | $10,000 - $39,999.99 | 3.26% | 3.30% |
| 36 Months | $40,000+ | 3.26% | 3.30% |
Penalty for early withdrawal.
IRA Accumulator Learn More
| Minimum Balance | APY |
|---|---|
| The first $25 - $999.99 | 0.35% |
| $1,000+ | 0.35% |
A dividend rate of .35% will be paid on the portion of your daily balance that is greater than $24.99, but less than $1,000. The annual percentage yield for this tier will be .35%.
A dividend rate of .35% will be paid on the portion of your daily balance that is greater than $999.99. The annual percentage yield for this tier will be .35% (based on a $4,000.00 initial contribution or balance in the account).
An Annual Maintenance Fee of $10.00 will be charged on IRA's having a combined balance (Passbook and Certificate) of less than $500.00.
