Rates

APY = Annual Percentage Yield. Rates effective as of June 1, 2016. Fees may reduce earnings.

Free Kasasa Cash*

Balance Minimum Required Opening Deposit Rate APY
$0 - $25,000 $50 2.031% 2.05%
$25,000+ $50 0.50% 2.05% to 0.59%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 automatic payment (ACH) transaction post and settle

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Free Kasasa Saver*

Balance Interest Rate APY
0 - $25,000 0.9954% 1.00%
$25,000+ 0.5050% 1.00% to 0.55%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 10 debit card purchases that post and settle
  • Have at least 1 automatic payment (ACH) or bill payment post and settle
  • Be enrolled and receive e-statement

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Certificate of Deposit

Maturiity Annual Percentage Yield Interest Rate Minimum Balance to Open Account Minimum Balance to Obtain APY
30 Day (a, b, c) 0.05% 0.05% $2,500 $2,500
90 Day (a, b, c) 0.05% 0.05% $2,500 $2,500
180 Day (a, b, c) 0.10% 0.10% $2,500 $2,500
12 Months (a, b, c) 0.20% 0.20% $500 $500
18 Months (a, b, c) 0.30% 0.30% $500 $500
24 Months (a, b, c) 0.45% 0.45% $500 $500
36 Months (a, b, c) 0.75% 0.75% $500 $500
48 Months (a, b, c) 0.95% 0.95% $500 $500
60 Months (a, b, c) 1.26% 1.25% $500 $500

a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts

Individual Retirement Account (IRA)

Maturity Annual Percentage Yield Interest Rate Minimum Balance to Open Account Minimum Balance to Obtain APY
IRA Variable (a, b, c, d) 0.25% 0.25% $10 $10
IRA 3 Year Term
(a, b, c)
0.75% 0.75% $1,000 $1,000
IRA 5 Year Term
(a, b, c)
1.26% 1.25% $1,000 $1,000

a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening

Savings Accounts

Account Type Annual Percentage Yield Interest Rate Minimum Balance to Open Account Minimum Balance to Obtain APY*
Money Market Account
(b, c, d, e)
$2,500 $1.00
Tier 1 $2,500 - $14,999 0.05% 0.05%
Tier 2 $15,000 - $24,999 0.10% 0.10%
Tier 3 $25,000 - $99,999 0.10% 0.10%
Tier 4 $100,000 and over 0.30% 0.30%
Passbook Savings
(b, c, d, e)
0.10% 0.10% $100 $1.00
Christmas Club Account
(a, b, c, d, e, f)
0.10% 0.10% $1.00 $1.00
School Club Account
(a, b, c, d, e, g)
0.10% 0.10% $1.00 $1.00
Vacation Club Account
(a, b, c, d, e, h)
0.10% 0.10% $1.00 $1.00
Home Improvement Club Account
(a, b, c, d, e, i)
0.10% 0.10% $1.00 $1.00

a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening
e - These rates may change after account opening
f - This account matures every November  
g - This account matures every August 1st.
h - This account matures every January 8th.
i - This account matures every April 15th.

Checking Accounts

Account Type Annual Percentage Yield Interest Rate Minimum Balance to Open Account Minimum Balance to Obtain APY*
Prestige Club Account
(b, c, d)
0.05% 0.05% $1.00 $1.00
Investor's Choice Account (b, c, d) $30,000 $1.00
balances $90,000 and over

0.45%

0.45%
balances $30,000 to $89,999.99 0.10% 0.10%
balances $29,999.99 and under 0.05% 0.05%
Health Savings Account (HSA) $1.00 $1.00
balances $5,000.01 and over  0.50% 0.50%
balances 2,000.01 to $5,000 0.30% 0.30%
balances $2000 and under 0.20% 0.20%

a - Penalty may be imposed for early withdrawal
b - Fee could reduce the earnings on these accounts
c - Ask us for further information about these accounts
d - The interest rate and annual percentage yield may change after account opening

Additional Service Fees

Replace Lost ATM Card $5.00
Check Printing Fee depends on style of check order
Coin Counting (non customer) 5%
Money Order $2.00 each
Cashier's Checks $5.00 each
Imaged Checks Returned with Statement per Request $3.00 per month
Copy of Checks
(2 free per month)
$1.00 each additional check
Replace Lost Debit Card $5.00
Dormant Account Fee (Account is dormant, if for two years (savings or checking account) you have made no deposits or withdrawals to the account) $5.00 per month
Overdraft Charge (fee applies to overdrafts created by any debit including check, in-person withdrawal, ATM withdrawal, transfers, other electronic means, etc) $25.79
Continuing Overdraft Fee $5.00 per day after 3rd business day of continued overdrawn account
Account Research $20.00 per hour, $5.00 copy
Stop Payments
(all items)
$25.79
Photocopies $0.25
Wire Transfers (domestic)

$15.00 Incoming

$20.00 Outgoing

$40.00 Foreign

Return Item Charge $25.79
Check Cashing
(not on us/non customer)
2%
Fax
(incoming or outgoing)
$2.00 first page, $1.50 each additional
Check Collection 10% of check or $10.00, whichever is less
Automatic Transfer $5.00
Amortization Schedule $5.00
Canadian Check Processing $5.00 per check
Notary Fee
(non customer)
$1.00 per document
Telephone Transfer $5.00
Mobile Check Deposit $1.00 per check deposited
Check Free Bill Pay Rush Delivery $14.95 each
BOLT$ P2P $1.00 per transaction
Safe Deposit Boxes price varies on size
Lost Key $50.00
Drill Charge $250.00
Undeliverable Statement Charge $1.00
Deposit Item Return Fee (Business Customers Only) $4.00