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APY = Annual Percentage Yield. Rates and APYs accurate as of March 19, 2020.

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

Kasasa Cash®* Learn More

Balance Minimum Required Opening Deposit Interest Rate1 APY1
$0 to $15,000.00 $100.00 0.51% 0.51%
$15,000.01 and up $100.00 0.10% 0.51% to 0.10%*
Non-qualifying balances $100.00 0.02% 0.02%

Qualifications

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, ACH payment, or bill pay transaction
  • At least 10 debit card purchases
  • Be enrolled in and review eStatements
  • Be enrolled in and log into online banking 

If you miss a Monthly Qualification Cycle, don't worry. The account is still free, and there's no penalty for not qualifying. Then you can get right back to earning interest and ATM withdrawal fee refunds the next cycle you qualify.  

*Depending on account balance

Kasasa Saver®* Learn More

Balance Minimum Required Opening Deposit Interest Rate1 APY1
$0 to $25,000.00 $25.00 0.25% 0.25%
$25,000.01 and up $25.00 0.10% 0.25% to 0.10%*
Non-qualifying balances $25.00 0.02% 0.02%

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: 

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 10 debit card purchases
  • Be enrolled in and review eStatements
  • Be enrolled in and log into online banking 

If you miss a Monthly Qualification Cycle, don't worry. Both of your accounts are still free, and you can get right back to earning your rewards the very next cycle you qualify. 

*Depending on account balance

^Requires an associated Kasasa Cash checking account

Checking Accounts

Account Minimum Required Opening Deposit Minimum Balance to Obtain APY2 Interest Rate1 APY1
Free 62 Checking $100.00 $300.00 0.01% 0.01%
Free Business Interest Checking $100.00 $1,000.00 0.01% 0.01%
Business Analysis Checking - $1,000.00 0.02% 0.02%

Savings Accounts

Account Minimum Required Opening Deposit Minimum Balance to Obtain APY2  Interest Rate1  APY1
Classic Savings $100.00 $200.00 0.03% 0.03%
Youth Savings $25.00 $25.00 0.03% 0.03%

Certificates of Deposit * Learn More

Certificate Minimum Opening Balance  Minimum Balance to Obtain APY2 Interest Rate APY
1 Month $1000.00 $500.00 0.01% 0.01%
3 Month $1000.00  $500.00  0.03% 0.03%
6 Month $1000.00  $500.00  0.05% 0.05%
9 Month $1000.00  $500.00  0.07% 0.07%
12 Month $1000.00  $500.00  0.10% 0.10%
18 Month $1000.00  $500.00  0.12% 0.12%
24 Month $1000.00  $500.00  0.20% 0.20%
30 Month $1000.00  $500.00  0.21% 0.21%
36 Month $1000.00  $500.00  0.41% 0.41%
48 Month $1000.00  $500.00  0.65% 0.65%
60 Month $1000.00  $500.00  0.92% 0.92%

* A penalty may be imposed for early withdrawal.

Money Markets Learn More

Classic Money Market^
Daily balances of:
Interest Rate1 APY1
up to $999.99 0.00% 0.00%
$1,000.00 - 24,999.99 0.01% 0.01%
$25,000.00 - 49,999.99 0.01% 0.01%
$50,000.00 - 74,999.99 0.03% 0.03%
$75,000.00 - 99,999.99 0.03% 0.03%
$100,000.00 and up 0.05% 0.05%
HSA Money Market^^    
up to $999.99 0.00% 0.00%
$1,000.00 and up 0.02% 0.02%

^The minimum balance to open a Classic Money Market account is $1000.00. The minimum balance to obtain the stated APY depends upon the applicable rate tier

1 The interest rate and annual percentage yield may change after account opening.

2 Daily balance. The amount of the principal in the account each day.

^^The minimum balance to open a HSA Money Market account and obtain the stated APY is $1,000.00