Put your savings goals in auto-pilot
Link to free Kasasa® checking for an effortless savings strategy that earns even if qualifications aren’t met.
Benefits You’ll Love
- Enjoy automatic transfers of Kasasa rewards
- Earn high interest on balances
- 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
- 1.00% APY‡ on balances up to $25,000
- 1.00% to 0.60% APY on balances over $25,000 depending on balance in account‡
- 0.01% APY‡ if qualifications are not met in Kasasa Cash or Kasasa Cash Back
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card
- $25 minimum deposit to open
It’s so 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:
For Kasasa Cash with Kasasa Saver:
- At least 1 direct deposit or ACH payment transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
For Kasasa Cash Back with Kasasa Saver:
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
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 interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
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‡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, and purchases made with debit cards not issued by our bank. 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. Reward Information: When your Kasasa Cash 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: Balances up to $25,000 receive APY of 1.00%; and balances over $25,000 earn 0.50% interest rate on the portion of balance over $25,000, resulting in a range from 1.00% to 0.55% APY depending on the account's balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 5.00%; and balances over $25,000 earn 0.50% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 5.00% to 1.40% APY* depending on the account's balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.01% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This 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. APYs accurate as of 09/19/2024. 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, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, enrollment in online banking, and receipt of electronic statements are a condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and logons may be required to meet some of the account's qualifications. Limit one account(s) per social security number. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
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
CD Rates 8/27/2024
Term | Balance to Earn APY | Interest Rate | APY |
---|---|---|---|
15 Month Special^ |
$10,000+ | 4.17% | 4.24% |
1 Month | $2,500+ | 1.00% | 1.00% |
3 Months | $2,500+ | 1.15% | 1.15% |
6 Months | $2,500 - $34,999.99 | 1.40% | 1.41% |
6 Months | $35,000+ | 1.50% | 1.51% |
12 Months | $250 - $9,999.99 | 3.20% | 3.24% |
12 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
12 Months | $35,000+ | 4.55% | 4.63% |
24 Months | $250 - $9,999.99 | 3.55% | 3.60% |
24 Months | $10,000 - $34,999.99 | 3.65% | 3.70% |
24 Months | $35,000+ | 4.00% | 4.06% |
36 Months | $250 - $9,999.99 | 3.55% | 3.60% |
36 Months | $10,000 - $34,999.99 | 3.65% | 3.70% |
36 Months | $35,000+ | 3.75% | 3.80% |
48 Months | $250 - $9,999.99 | 2.80% | 2.83% |
48 Months | $10,000 - $34,999.99 | 2.90% | 2.93% |
48 Months | $35,000+ | 3.00% | 3.03% |
60 Months | $250 - $9,999.99 | 3.00% | 3.03% |
60 Months | $10,000 - $34,999.99 | 3.10% | 3.14% |
60 Months | $35,000+ | 3.20% | 3.24% |
Certificates of Deposit (CDs)
Term | Balance to Earn APY | Interest Rate | APY |
---|---|---|---|
1 Month | $2,500+ | 1.00% | 1.00% |
3 Months | $2,500+ | 1.15% | 1.15% |
6 Months | $2,500 - $34,999.99 | 1.40% | 1.41% |
6 Months | $35,000+ | 1.50% | 1.51% |
12 Months | $250 - $9,999.99 | 3.20% | 3.24% |
12 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
12 Months | $35,000+ | 4.10% | 4.16% |
24 Months | $250 - $9,999.99 | 3.30% | 3.34% |
24 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
24 Months | $35,000+ | 3.50% | 3.55% |
36 Months | $250 - $9,999.99 | 3.30% | 3.34% |
36 Months | $10,000 - $34,999.99 | 3.40% | 3.44% |
36 Months | $35,000+ | 3.50% | 3.55% |
48 Months | $250 - $9,999.99 | 2.80% | 2.83% |
48 Months | $10,000 - $34,999.99 | 2.90% | 2.93% |
48 Months | $35,000+ | 3.00% | 3.03% |
60 Months | $250 - $9,999.99 | 3.00% | 3.03% |
60 Months | $10,000 - $34,999.99 | 3.10% | 3.14% |
60 Months | $35,000+ | 3.20% | 3.24% |
1 month & 3-month certificate terms compound at maturity; all other certificate terms compound quarterly. The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. For all certificate terms 6 months or less the minimum required opening deposit is $2,500; all other certificate terms have a minimum required opening deposit of $250. Special rates on $100,000.00 and over may be available upon request. A penalty may be imposed for early withdrawal. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.
Express Checking with Interest
Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
---|---|---|---|
$1,000 | $0 - $999.99 | 0.00% | 0.00% |
$1,000 | $1,000 - $7,499.99 | 0.15% | 0.00% to 0.13% |
$1,000 | $7,500 - $49,999.99 | 0.25% | 0.13% to 0.23% |
$1,000 | $50,000 - $99,999.99 | 0.35% | 0.23% to 0.29% |
$1,000 | $100,000 - $249,999.99 | 0.45% | 0.29% to 0.39% |
$1,000 | $250,000+ | 0.50% | 0.39% to 0.50% |
Kasasa Cash*
Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
---|---|---|---|
$25 | $0 - $25,000 | 4.89% | 5.00% |
$25 | $25,000.01+ | 0.50% | 5.00% to 1.40% |
$25 | Qualifications not met | 0.01% | 0.01% |
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
- Be enrolled and log into online banking
- Have at least 1 direct deposit or automatic payment (ACH) 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.
Kasasa Saver*
Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
---|---|---|---|
$25 | $0 - $25,000 | 1.00% | 1.00% |
$25 | $25,000.01+ | 0.50% | 1.00% to 0.60% |
$25 | Qualifications not met | 0.01% | 0.01% |
Qualifications
Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too.
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.
Money Market Checking
Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
---|---|---|---|
$1,000 | $0 - $2,499.99 | 0.00% | 0.00% |
$1,000 | $2,500 -$9,999.99 | 0.20% | 0.20% |
$1,000 | $10,000 - $24,999.99 | 0.30% | 0.30% |
$1,000 | $25,000 - $49,999.99 | 0.40% | 0.40% |
$1,000 | $50,000 - $99,999.99 | 0.50% | 0.50% |
$1,000 | $100,000+ | 0.60% | 0.60% |
Peoples Preferred Savings
Minimum Required Opening Deposit | Balance Required to Earn APY | Interest Rate | APY |
---|---|---|---|
$1,000 | $0 - $999.99 | 0.00% | 0.00% |
$1,000 | $1,000 - $7,499.99 | 0.50% | 0.50% |
$1,000 | $7,500 - $49,999.99 | 0.90% | 0.90% |
$1,000 | $50,000 - $99,999.99 | 1.20% | 1.21% |
$1,000 | $100,000 - $199,999.99 | 1.75% | 1.75% |
$1,000 | $200,000 - $499,999.99 | 2.00% | 2.02% |
$1,000 | $500,000 - $999,999.99 | 2.75% | 2.79% |
$1,000 | $1,000,000 - $4,999,999.99 | 3.65% | 3.71% |
$1,000 | $5,000,000+ | 3.95% | 4.02% |
Savings Accounts
Account | Minimum Required Opening Deposit | Interest Rate | APY |
---|---|---|---|
Regular Savings | $25 | 0.65% | 0.65% |
Minor Savings | $0 | 0.65% | 0.65% |
IRA Savings | $25 | 1.65% | 1.66% |
HSA Savings ($0 - $19,999.99) | $25 | 1.30% | 1.31% |
HSA Savings ($20,000+) | $25 | 1.65% | 1.66% |