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Build your savings without breaking a sweat, thanks to automatic transfers of Kasasa® checking rewards.

Key Features

  • High Dividends
  • Automatic Reward Transfers
  • No Minimum Balance to Earn Rewards
  • No Monthly Maintenance Fees
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.01% APY* on balances up to $25,000
  • 1.01% to 0.48% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
    • Free online banking
    • Free mobile banking
    • Free e-statements
  • No minimum deposit to open

It’s Easy to Earn Your 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 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month. 

See Kasasa Cycle Dates (PDF).

*Reward Information:

Kasasa Saver: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Saver account earn an APY of 1.01% APY and daily balances over $25,000 earn a dividend rate of 0.30% on the portion of the daily balance over $25,000, resulting in a range from 1.01% to 0.48% APY depending on the account's daily balance.

When your linked Kasasa Cash or Kasasa Cash Back qualifications are not met during a Monthly Qualification Cycle: the entire daily balance in the Kasasa Saver account earns 0.05% APY.

APY = Annual Percentage Yield. APYs accurate as of 06/01/2019. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.

*You must have a linked Kasasa Cash or Kasasa Cash Back account in order to open a Kasasa Saver account.  The Kasasa Cash or Kasasa Cash Back account must remain open throughout the period that you hold the Kasasa Saver account. 

Kasasa Cash When Linked To Kasasa Saver: When linked to Kasasa Saver and your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including 15,000 earn an APY of 3.25% and daily balances over $15,000 earn a dividend rate of 0.30% on the portion of the daily balance over $15,000 resulting in a range from 3.25% to 0.74% APY depending on the account's daily balance.

When your linked Kasasa Cash account's qualifications are not met during a Monthly Qualification Cycle: all balances in the Kasasa Saver account earn 0.05% APY and ATM withdrawal fees are not refunded.

* Dividends in Kasasa Cash do not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs.

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $15,000+ $100,000 in your Kasasa Cash account and $25,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Kasasa Cash Back When Linked To Kasasa Saver: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.25% cash back on up to a total of $300 signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.75 cash back payments may be earned per Monthly Qualification Cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on last day of the current statement cycle.

When your linked Kasasa Cash Back account's qualifications are not met during a Monthly Qualification Cycle: all balances in the Kasasa Saver account earn 0.05% APY and ATM withdrawal fees are not refunded

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.

Twelve (12) signature-based debit card purchases, at least one direct deposit, ACH credit, or ACH payment transaction(s) and one must be enrolled in and have agreed to receive e-statements rather than paper statements are a condition of this account.

The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, debit card purchases, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“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.  However, if a Monthly Qualification Cycle ends on a Saturday or Sunday, our institution will process account rewards on the Friday before.

"Business Day" means any business day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions.

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Account Limitations: If Kasasa Saver Is Established As A Savings Account: Transfers or withdrawals from a Kasasa Saver account to (a) another account of the same depositor at our institution or to (b) a third party or an account of the same depositor at another bank, if made by preauthorized transfer, automatic transfer, telephone, fax or internet banking service and (c) transfers or withdrawals to a third party or to an account of the depositor to another account at another bank made by check, draft, debit card are limited to an aggregate total of six (6) per calendar month. There is no limit to the number of transfers or withdrawals from your Kasasa Saver account to repay loans at our institution or are made in person, by mail, by messenger or at an ATM. These transactions are considered made on the date the transaction posts and settles to your account, not the date the withdrawal request was initiated.

Additional Information:

Membership restrictions may apply.

Enrollment in electronic services (e.g. online banking) and log-ons may be required to meet some of the account's qualifications.

Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account and by institution.

No minimum deposit is required to open the account.

Limit of one (1) account per social security number or individual taxpayer identification number.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union member service representatives at 1-800-325-2126 for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.