APY = Annual Percentage Yield. Rates and APYs are accurate as of December 1, 2024. Rates effective December 1, 2024.
Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings.
Federally insured by NCUA. Rates are subject to change without notice. Some restrictions apply.
Kasasa Cash®* Learn More
| Tier | Rate | APY |
|---|---|---|
| 0 - $15,000 | 2.9595% | 3.00% |
| $15,001.00+ | 0.25% | 0.25% |
| 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 | 0.99% | 1.00% |
| $25,000+ | 0.025% | 1.00% to 0.40% |
| 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 - $14,999.99 | 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+ | 0.50% | 0.50% |
Money Market Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.00 - $10,000.00 | 0.75% | 0.75% |
| $10,000.01 - $20,000.00 | 1.00% | 1.01% |
| $20,000.01 - $40,000.00 | 1.25% | 1.26% |
| $40,000.01 - $50,000.00 | 1.50% | 1.51% |
| $50.000.01 - $100,000.00 | 1.73% | 1.75% |
|
$100,000.01 + |
1.83% | 1.85% |
Premium Plus Money Market Learn More
| Minimum Balance | Rate | APY |
|---|---|---|
| $0.00 - $25,000.00 | 0.95% | 0.95% |
| $25,000.01 - $50,000.00 | 1.30% | 1.31% |
| $50,000.01 - $100,000.00 | 1.78% | 1.80% |
| $100,000.01 - 250,000.00 | 1.88% | 1.90% |
| $250,000.01 + | 1.93% | 1.95% |
Share Certificate Learn More
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 90 Days | $1,000 - $9,999.99 | 4.18% | 4.25% |
| 90 Days | $10,000 - $39,999.99 | 4.18% | 4.25% |
| 90 Days | $40,000+ | 4.18% | 4.25% |
| 6 Months | $1,000 - $9,999.99 | 3.50% | 3.55% |
| 6 Months | $10,000 - $39,999.99 | 3.50% | 3.55% |
| 6 Months | $40,000+ | 3.50% | 3.55% |
| 12 Months | $1,000 - $9,999.99 | 3.55% | 3.60% |
| 12 Months | $10,000 - $39,999.99 | 3.55% | 3.60% |
| 12 Months | $40,000+ | 3.55% | 3.60% |
| 24 Months | $1,000 - $9,999.99 | 3.36% | 3.40% |
| 24 Months | $10,000 - $39,999.99 | 3.36% | 3.40% |
| 24 Months | $40,000+ | 3.36% | 3.40% |
| Student Certificate (13-21) | N/A | 3.94% | 4.00% |
| 36 Month - No Bump | N/A | 3.26% | 3.30% |
| 48 Month - No Bump | N/A | 3.26% | 3.30% |
| 60 Month - No Bump | N/A | 3.26% | 3.30% |
| Specials | |||
| Members' Choice 10 or 11 month | $1,000 | 3.55% | 3.60% |
| 15 month | $1,000 | 3.55% | 3.60% |
|
19 month |
$1,000 | 3.36% | 3.40% |
| 30 month | $1,000 | 3.26% | 3.30% |
Penalty for early withdrawal.
Individual Retirement Certificates Learn More
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 12 Months | $1,000 - $9,999.99 | 3.55% | 3.60% |
| 12 Months | $10,000 - $39,999.99 | 3.55% | 3.60% |
| 12 Months | $40,000+ | 3.55% | 3.60% |
| 24 Months | $1,000 - $9,999.99 | 3.36% | 3.40% |
| 24 Months | $10,000 - $39,999.99 | 3.36% | 3.40% |
| 24 Months | $40,000+ | 3.36% | 3.40% |
| 36 Months | $1,000 - $9,999.99 | 3.26% | 3.30% |
| 36 Months | $10,000 - $39,999.99 | 3.26% | 3.30% |
| 36 Months | $40,000+ | 3.26% | 3.30% |
Penalty for early withdrawal.
IRA Accumulator Learn More
| Minimum Balance | APY |
|---|---|
| The first $25 - $999.99 | 0.35% |
| $1,000+ | 0.35% |
A dividend rate of .35% 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 .35%.
A dividend rate of .35% will be paid on the portion of your daily balance that is greater than $999.99. The annual percentage yield for this tier will be .35% (based on a $4,000.00 initial contribution or balance in the account).
An Annual Maintenance Fee of $10.00 will be charged on IRA's having a combined balance (Passbook and Certificate) of less than $500.00.
