Retire gracefully with options to brighten your golden years
Explore the benefits of Traditional and Roth IRAs that earn the competitive interest, minus the fees.
Benefits You’ll Love
- Earn higher interest than with a regular savings
- Easily compare Traditional and Roth IRAs
- No setup, monthly, or annual fees
- Leverage funds to open a CD
- Tax-advantaged retirement savings*
- Competitive interest above standard savings rates
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Contributions are limited to annual IRS guidelines.
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- Funds can be used to purchase CDs within IRA
- $25 minimum deposit to open
*Consult a tax advisor.
When do you want to enjoy your tax advantage? A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at the time of retirement.
Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 73
Roth IRA
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution ages
- No age limit on making contributions as long as you have earned income
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
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% |
