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APY = Annual Percentage Yield. Rates and APYs accurate as of November 1, 2018.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.


Kasasa Cash®* Learn More

Tier Rate APY
0 - $10,000 1.98% 2.00%
$10,000+ 0.25% 2.00% to 0.41%
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 and log into online banking

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 0.50% 0.50%
$25,000+ 0.25% 0.50% to 0.30%
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 and log into online banking

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 (Existing Accounts Only)

Minimum Balance Rate APY
$0 - $4,999.99 0.15% 0.15%
$5,000 - $9,999.99 0.50% 0.50%
$10,000 - $15,000 1.00% 1.00%
$15,000+ 0.15% 0.15%

Earn Dividends if meeting ALL 3 requirements: E-Statements AND qualifying direct deposit ($100 or more) AND Seven (7) debit card purchases in a month. Bonus Dividend of .15% in each tier for fifteen (15) or more debit card purchases a 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+ 0.75% 0.75%

Money Market Learn More

Minimum Balance Rate APY
$2,500 - $9,999.99 0.15% 0.15%
$10,000 - $19,999.99 0.15% 0.15%
$20,000 - $39,999.99 0.15% 0.15%
$40,000 - $49,999.99 0.20% 0.20%
$50.000 - $99,999.99 0.20% 0.20%
$100,000+ 0.25% 0.25%

Premium Plus Money Market Learn More

Minimum Balance Rate APY
$0 - $25,000.00 0.15% 0.15%
$25,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.20% 0.20%
$100,000+ 0.35% 0.35%

Share Certificate Learn More

Term Minimum Balance Rate APY
90 Days $1,000 - $9,999.99 0.20% 0.20%
90 Days $10,000 - $39,999.99 0.25% 0.25%
90 Days $40,000+ 0.30% 0.30%
6 Months $1,000 - $9,999.99 0.30% 0.30%
6 Months $10,000 - $39,999.99 0.35% 0.35% 
6 Months $40,000+ 0.40% 0.40%
12 Months $1,000 - $9,999.99 0.55% 0.55%
12 Months $10,000 - $39,999.99 0.60% 0.60%
12 Months $40,000+ 0.65% 0.65%
24 Months $1,000 - $9,999.99 1.10% 1.11%
24 Months $10,000 - $39,999.99 1.15% 1.16%
24 Months $40,000+ 1.20% 1.21%
Student Certificate (13-21) N/A 1.00% 1.00%
36 Month - No Bump N/A 1.25% 1.26%
48 Month - One Bump N/A 1.50% 1.51% 
60 Month - One Bump N/A 1.70% 1.70%
15 Month - Special $1,000 2.25% 2.27%
30 Month - Special $1,000 2.50% 2.53%

Penalty for early withdrawal.

Individual Retirement Certificates Learn More

Term Minimum Balance Rate APY
12 Months $1,000 - $9,999.99 0.55% 0.55%
12 Months $10,000 - $39,999.99 0.60% 0.60%
12 Months $40,000+ 0.65% 0.65%
24 Months $1,000 - $9,999.99 1.10% 1.11%
24 Months $10,000 - $39,999.99 1.15% 1.16%
24 Months $40,000+ 1.20% 1.21%
36 Months $1,000 - $9,999.99 1.25% 1.26%
36 Months $10,000 - $39,999.99 1.30% 1.31%
36 Months $40,000+ 1.35% 1.36%

Penalty for early withdrawal.

IRA Accumulator Learn More

Minimum Balance APY
The first $25 - $999.99 0.10%
$1,000+ 0.10% 

A dividend rate of .10% 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 .10%.

A dividend rate of .10% will be paid on the portion of your daily balance that is greater than $1,000.00. The annual percentage yield for this tier will be .10% (based on $4,000.00 initial contribution or balance in account).

An Annual Maintenance Fee of $10.00 will be charged on IRA's having combined balance (Passbook and Certificate) of less than $500.00.