Build Your Savings with Rewards
With higher interest and automatic transfers of your Kasasa® rewards, you can maximize your savings potential and watch your balance grow faster.
Features You’ll Love
- Automatic reward transfers
- Link to Kasasa Cash or Kasasa Cash Back
- No monthly maintenance fees
All balances receive an APY of 1.00%!*
- Savings account that builds your savings effortlessly
- Links to free Kasasa Cash® or Kasasa Cash Back® checking
- No monthly maintenance fees
- Free digital banking, including:
- Free online banking
- Free mobile banking (message and data rates may apply)
- Free eStatements
- $100 minimum deposit to open
It's easy to earn rewards!
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver interest 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:
For Kasasa Cash:
- At least 1 direct deposit
- At least 16 debit card purchases
For Kasasa Cash Back:
- At least 1 direct deposit, ACH credit, or ACH payment transaction
- At least 16 debit card purchases
And if you don't meet the qualifications, don't worry. Your Kasasa Checking accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
See 2025 Qualification Cycle Schedule here.
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: All balances receive an APY of 1.00%. Kasasa Cash: Balances up to $15,000 receive an APY* of 2.78%; and balances over $15,000 earn 1.00% interest rate on the portion of balance over $15,000., resulting in a range from 2.78% to 1.27% APY* depending on the account's balance. Kasasa Cash Back: 2.00% cash back on up to a total of $300.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn an APY* of 0.05%. Kasasa Cash Back: No cash back payments are made. *APY = Annual Percentage Yield. APYs accurate as of 01/02/2025. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $100 minimum deposit is required to open the account. Monthly Direct Deposit, enrollment to receive estatements, and sixteen debit card purchases are conditions of the Kasasa Cash account. Monthly ACH Credit or ACH Debit transactions, enrollment to receive estatements, and sixteen debit card purchases are conditions of the Kasasa Cash Back account. Enrollment in electronic services (e.g. electronic statements), may be required to meet some of the account's qualifications. Limit one Kasasa account per Primary social security number. A Kasasa account is required in order to have a Kasasa Saver account. There are no recurring monthly service charges or fees to open or close this account. Contact one of our customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
*Mobile Banking: Message and data rates may apply
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Bank Advantage
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $100.00 | $1,000.00 | $0.00 | 0.15% | 0.15% | Monthly |
Blue Chip MMIA
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $2,500.00 | $2,500.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $2,500.00 | $2,500.00 | 0.30% | 0.30% | Monthly |
| 25,000 to 49,999.99 | $2,500.00 | $2,500.00 | 0.40% | 0.40% | Monthly |
| 50,000 to 99,999.99 | $2,500.00 | $2,500.00 | 0.75% | 0.75% | Monthly |
| 100,000 to 249,999.99 | $2,500.00 | $2,500.00 | 1.00% | 1.00% | Monthly |
| 250,000.00 & over | $2,500.00 | $2,500.00 | 1.26% | 1.25% | Monthly |
Business Plus Money Market
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $10,000.00 | $10,000.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $10,000.00 | $10,000.00 | 0.25% | 0.25% | Monthly |
| 25,000 to 99,999.99 | $10,000.00 | $10,000.00 | 0.50% | 0.50% | Monthly |
| 100,000 to 249,999.99 | $10,000.00 | $10,000.00 | 1.51% | 1.50% | Monthly |
| 250,000 to 499,999.99 | $10,000.00 | $10,000.00 | 2.63% | 2.60% | Monthly |
| 500,000.00 to 999,999.99 | $10,000.00 | $10,000.00 | 2.89% | 2.85% | Monthly |
| 1,000,000.00 & over | $10,000.00 | $10,000.00 | 3.66% | 3.60% | Monthly |
Available to businesses only. No Public Fund or Government accounts. $20 monthly service fee if $10,000 minimum balance is not maintained.
Certificate of Deposits/IRA's
| Product | Minimum Balance | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|
| 7-31 Day | $1,000.00 | 0.05% | 0.05% | At Maturity |
| 91 Day | $1,000.00 | 0.05% | 0.05% | Monthly |
| 90 Day Tiered | $1,000 to $9,999.99 | 0.05% | 0.05% | Monthly |
| 90 Day Tiered | $10,000 to $24,999.99 | 0.10% | 0.10% | Monthly |
| 90 Day Tiered | $25,000.00 & over | 0.15% | 0.15% | Monthly |
| 6 Month | $1,000.00 | 0.25% | 0.25% | Monthly |
| 9 Month | $1,000.00 | 0.30% | 0.30% | Monthly |
| 12 Month | $1,000.00 | 0.40% | 0.40% | Monthly |
| 18 Month | $1,000.00 | 0.40% | 0.40% | Monthly |
| 23 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 24 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 30 Month | $1,000.00 | 0.45% | 0.45% | Monthly |
| 36 Month | $1,000.00 | 0.55% | 0.55% | Monthly |
| 38 Month | $1,000.00 | 0.55% | 0.55% | Monthly |
| 42 Month | $1,000.00 | 0.60% | 0.60% | Monthly |
| 18 Month Variable IRA | $100.00 | 0.40% | 0.40% | Monthly |
Christmas/Vacation Club
| Product | Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|---|
| Christmas/Vacation Club - CPN* | $1.00 | $0.00 | $0.00 | 0.05% | 0.05% | Annually |
| Christmas/Vacation Club - AT* | $1.00 | $0.00 | $0.00 | 0.10% | 0.10% | Annually |
*Christmas Club — must be auto transfer payment account only.
Health Savings Accounts
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 499.99 | $50.00 | $1,500.00 | 0.01% | 0.01% | Monthly |
| 500 to 1,999.99 | $50.00 | $1,500.00 | 0.01% | 0.01% | Monthly |
| 2,000 to 4,999.99 | $50.00 | $1,500.00 | 0.05% | 0.05% | Monthly |
| 5,000 to 14,999.99 | $50.00 | $1,500.00 | 0.20% | 0.20% | Monthly |
| 15,000 & over | $50.00 | $1,500.00 | 0.25% | 0.25% | Monthly |
Investment Checking
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| 0.00 to 9,999.99 | $5,000.00 | $10,000.00 | 0.10% | 0.10% | Monthly |
| 10,000 to 24,999.99 | $5,000.00 | $10,000.00 | 0.15% | 0.15% | Monthly |
| 25,000 to 49,999.99 | $5,000.00 | $10,000.00 | 0.25% | 0.25% | Monthly |
| 50,000 to 99,999.99 | $5,000.00 | $10,000.00 | 0.45% | 0.45% | Monthly |
| 100,000.00 & over | $5,000.00 | $10,000.00 | 0.85% | 0.85% | Monthly |
Kasasa Cash*
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $0.00 to 15,000.00 | $100.00 | $0.00 | 2.78% | 2.75% | Monthly |
| Over 15,000.00 | $100.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Kasasa Cash — must have at least 16 debit card purchases post and settle, recieve eStatement and at least one direct deposit.
Kasasa Saver*
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $100.00 | $0.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Kasasa Saver — must have a linked Kasasa Cash or Kasasa Cash Back checking account.
Personal Savings & Checking
| Product | Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|---|
|
Christmas/Vacation Club - CPN* Christmas/Vacation Club - AT* |
$1.00 | $0.00 | $0.00 | 0.10% 0.20% |
0.10% 0.20% |
Annually |
| Kasasa Saver* | $100.00 | $0.00 | $0.00 | .90% | .90% | Monthly |
|
Rewards Savings* |
$50.00 | $0.00 | $0.00 | .90% | .90% | Monthly |
| Statement Savings | $50.00 | $300.00 | $50.00 | 0.10% | 0.10% | Quarterly |
| Super Saver | $5,000.00 | $5,000.00 | $50.00 to $4,999.99 | 0.10% 0.15% |
0.10% 0.15% |
Quarterly |
| Bank Advantage | $100.00 | $1,000.00 | $0.00 | 0.05% | 0.05% | Monthly |
| Blue Chip MMIA | $2,500.00 | $2,500.00 |
$0.00 to 9,999.99 10,000 to 24,999.99 25,000 to 49,999.99 50,000 to 99,999.99 100,000 to 249,999.99 Over 250,000.00 |
0.05%
0.35%
0.40%
0.60%
0.75%
0.95% |
0.05%
|
Monthly |
| Investment Checking | $5,000.00 | $10,000.00 |
$0.00 to 9,999.99 10,000 to 24,999.99 25,000 to 49,999.99 50,000 to 99,999.99 Over 100,000.00 |
0.05% 0.25%
0.35% 0.50% 0.60% |
0.05%
0.25%
|
Monthly |
| Kasasa Cash* | $100.00 | $0.00 |
$0.00 to 15,000.00 Over to 15,000.00 |
2.75% 0.50% |
2.72% 0.50% |
Monthly |
| Rewards Checking* | $100.00 | $0.00 |
$0.00 to 25,000.00 Over to 25,000.00 |
1.26% 0.50% |
1.25% 0.50% |
Monthly |
| Health Savings Account | $50.00 | $1,500.00 |
$0.00 to 499.99 500 to 1,999.99 2,000 to 4,999.99 5,000 to 14,999.99 Over to 15,000 |
0.01% 0.05% 0.05% 0.10% 0.20% |
0.01% 0.05% 0.05% 0.10% 0.20% |
Monthly |
Fees may reduce earnings on some interest-bearing accounts.
Balances must be at least $0.01 to earn interest.
Rates and APYs may change after the account is opened or anytime thereafter.
*Kasasa Saver — must have a linked Kasasa Cash or Kasasa Cash Back checking account.
*Rewards Savings — must have a linked Rewards Plus Checking account.
*Kasasa Cash — must have at least 16 debit card purchases post and settle, recieve eStatement and at least one direct deposit.
*Rewards Checking — must have at least 11 debit card purchases post and settle, receive eStatement and at least one ACH debit or direct deposit.
*Christmas Club — must be auto transfer payment account only.
Rewards Checking
| Minimum balance to earn interest | Minimum Opening Balance | Minimum to avoid monthly fees | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $0.00 to 25,000.00 | $100.00 | $0.00 | 1.26% | 1.25% | Monthly |
| Over 25,000.00 | $100.00 | $0.00 | 0.90% | 0.90% | Monthly |
*Rewards Checking — must have at least 11 debit card purchases post and settle, receive eStatement and at least one ACH debit or direct deposit.
Rewards Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $50.00 | $0.00 | $0.00 | 1.00% | 1.00% | Monthly |
*Rewards Savings — must have a linked Rewards Plus Checking account.
Statement Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $50.00 | $300.00 | $50.00 | 0.05% | 0.05% | Quarterly |
Super Savings
| Minimum Opening Balance | Minimum to avoid monthly fees | Minimum balance to earn interest | APY | Interest Rate | Compounding Frequency |
|---|---|---|---|---|---|
| $5,000.00 | $5,000.00 | $50.00 to $4,999.99 | 0.05% | 0.05% | Quarterly |
| $5,000.00 | $5,000.00 | $5,000.00 & over | 0.05% | 0.05% | Quarterly |
