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Rates

Rates Effective December 1, 2019

Kasasa Cash Checking
Minimum Required to Earn APY Annual Percentage Yield (APY) Monthly ATM Refund
$0.01 (qualifying balances) 2.25% up to $25
$25,000 (qualifying balances) 2.25% to 0.53% depending on account balance up to $25
$0.01 (non-qualifying balances) 0.05% $0

Minimum $25 deposit required to open the account. No minimum balance required to earn or receive rewards. Rates and rewards are variable and may change without notice. Fees may reduce earnings. Limit 1 Kasasa share draft account per primary member. To earn rewards, the following requirements must be met each Monthly Qualification Cycle: 1) Have at least 1 direct deposit/ACH credit transaction post and settle; 2) Have at least 12 debit card purchases post and settle (ATM transactions do not qualify); 3) Be enrolled in and agree to receive eStatements. “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. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle: 1) Balances up to $25,000 earn 2.25% APY and balances over $25,000 earn 0.10% dividend rate on the portion of balance over $25,000, resulting in a range from 2.25% to 0.53% APY depending on the account’s balance; and, 2) You will receive reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When Kasasa Cash qualifications are not met, the account will still function as a free account with no monthly fee; however, all balances in the account earn 0.05% APY and ATM fees are not refunded. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Kasasa CashBack Checking
Minimum Required to Earn APY Annual Percentage Yield (APY) Monthly ATM Refund
n/a n/a up to $25

Minimum $25 deposit required to open account. No minimum balance required to earn or receive rewards. Limit 1 Kasasa share draft account per primary member. Rewards are variable and may change without notice. To earn rewards, the following requirements must be met each Monthly Qualification Cycle: 1) Have at least 1 direct deposit/ACH credit transaction post and settle; 2) Have at least 12 debit card purchases post and settle (ATM transactions do not qualify); 3) Be enrolled in and agree to receive eStatements. “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. When your Kasasa CashBack account qualifications are met during a Monthly Qualification Cycle, you will receive: 1) 2.00% cash back on up to $500.00 in debit card purchases that post and settle to the account; and, 2) Reimbursements up to $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Cash back payments and ATM fee reimbursements will be credited to your Kasasa CashBack account on the last day of the current statement cycle. When Kasasa CashBack qualifications are not met, the account will still function as a free account with no monthly fee; however, cash back is not received and ATM fees are not refunded. Kasasa and Kasasa CashBack are trademarks of Kasasa, Ltd., registered in the U.S.A. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Everyday Checking
Minimum Required to Earn APY Annual Percentage Yield (APY) Monthly ATM Refund
n/a n/a n/a

Minimum $25 deposit required to open account. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Kasasa Saver
Minimum Required to Earn APY Annual Percentage Yield (APY)
$0.01 0.50%
$25,000 0.50% - 0.18%

Rates and rewards are variable and may change without notice. Fees may reduce earnings. General. Minimum $5 deposit required to open the account. No minimum balance required to earn or receive rewards. A Kasasa Cash or Kasasa CashBack account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. In the event that your Kasasa Cash or Kasasa CashBack account is closed, your Kasasa Saver account will be closed as well. Rewards vary by account. When your linked Kasasa Cash or Kasasa CashBack account qualifications are met during a Monthly Qualification Cycle your Kasasa Saver account balances up to $25,000 earn 0.50% APY and balances over $25,000 earn 0.10% dividend rate on the portion of balance over $25,000, resulting in a range from 0.50% to 0.18% APY depending on the account’s balance. “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. Dividends and ATM fee reimbursements are credited to the appropriate account on the last day of the current statement cycle. Kasasa Cash rewards are automatically transferred to the linked Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your linked Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. When your linked Kasasa Cash or Kasasa CashBack account qualifications are not met, the account will still function as a free account with no monthly fee; however, all Kasasa Saver balances earn 0.05% APY. Kasasa, Kasasa Cash, Kasasa CashBack and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Health Savings Account (HSA)
Minimum Required to Earn APY Annual Percentage Yield (APY)
$0.01 0.05%
$5,000 0.20%
$10,000 0.40%
$25,000 0.50%
$50,000 0.80%

No minimum opening balance required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Regular Savings
Minimum Required to Earn APY Annual Percentage Yield (APY)
$100 0.05%

$5 Minimum opening deposit required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Centsables Savings
Minimum Required to Earn APY Annual Percentage Yield (APY)
$1 0.05%

Must be 12 or younger to open with a parent or guardian on the account. $1 Minimum opening deposit required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Teen Savings
Minimum Required to Earn APY Annual Percentage Yield (APY)
$1 0.05%

Must be 13-17 years of age to open with a parent or guardian on the account. $1 Minimum opening deposit required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Club Account
Minimum Required to Earn APY Annual Percentage Yield (APY)
$100 0.05%

$1 Minimum opening deposit required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Green Money Market
Minimum Required to Earn APY Annual Percentage Yield (APY)
$1,000 0.05%
$10,000 0.40%
$50,000 0.50%
$75,000 0.75%
$150,000 1.00%

$1,000 Minimum opening deposit required. Estatement enrollment required. No paper checks administered. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Money Market
Minimum Required to Earn APY Annual Percentage Yield (APY)
$1,000 0.05%
$10,000 0.20%
$50,000 0.30%
$75,000 0.45%
$150,000 0.60%

$1,000 Minimum opening deposit required. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


Term Share Certificates
Term Annual Percentage Yield (APY)
3 month Certificate 0.40%
6 month Certificate 0.50%
12 month Certificate 0.60%
18 month Certificate 1.75%
24 month Certificate 1.75%
36 month Certificate 1.75%
48 month Certificate 2.00%
60 month Certificate 2.00%
60 month Structured Savings Certificate+ 2.00%
6 month Junior Certificate++ 0.50%

Minimum $1,000.00 required to open and earn stated APY. Penalty may be incurred for early withdrawal. Other rates and terms may be available. +Minimum balance is $500.00. Eligible for additional deposits and a one-time rate adjustment upon request. Maximum rate adjustment is 2% above the opening rate to match the dividend rate and APY then offered by the credit union for this account type; additional contributions may be made at any time; $500,000 maximum principal balance per certificate; one certificate per member; no penalty will be imposed for withdrawal to finance the purchase of primary residence or to finance higher education of owner or dependent to accredited college or university. ++Minimum balance is $500.00. Must be maintained in the account of a minor (under age 18). Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


IRA Certificates
Term Annual Percentage Yield (APY)
3 month IRA Certificate 0.40%
6 month IRA Certificate 0.50%
12 month IRA Certificate 0.60%
18 month IRA Certificate 1.75%
24 month IRA Certificate 1.75%
36 month IRA Certificate 1.75%
48 month IRA Certificate 2.00%
60 month IRA Certificate 2.00%

Minimum $1,000.00 required to open and earn stated APY. Penalty may be incurred for early withdrawal. Other terms and rates may be available. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.


IRA Savings
Minimum Required to Earn APY Annual Percentage Yield (APY)
$0.01 0.10%
$5,000 0.25%
$25,000 0.40%
$75,000 0.60%
$100,000 0.75%

Maximum annual contribution is $5,000 under age 50 and $6,000 age 50 and up. Rates may change after account is opened and subject to change without notice. Any fees incurred could reduce earnings. Please refer to our separate Schedule of Fees and Truth in Savings disclosures for complete details of fees and conditions.