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Rates

APY = Annual Percentage Yield. Rates effective as of July 2017. Fees may reduce earnings.

Kasasa Cash*

Balance Interest Rate APY
$0 - $10,000 1.9819% 2.00%
$10,000+ 0.10% 0.27% to 0.10%
All balances if qualifications not met 0.0499% 0.05%

Qualifications

To earn your rewards, simply do the following transactions and activities in your free Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 PIN or Signature debit card purchases post and settle
  • Have at least 1 ACH or bill pay transaction post and settle
  • Be enrolled in and agree to receive e-statements

That’s it! Simple, right? And, if you don’t qualify for the month, it’s no big deal. Your account is still free, and you can get right back to earning your rewards the very next month.

Kasasa Saver*

Balance Interest Rate APY
0 - $10,000 0.4999% 0.50%
$10,000+ 0.10% 0.50% to 0.10%
All balances if qualifications not met 0.0499% 0.05%

Qualifications

To earn your rewards, simply do the following transactions and activities in your free Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 PIN or Signature debit card purchases post and settle
  • Have at least 1 ACH or bill pay transaction post and settle
  • Be enrolled in and agree to receive e-statements

That’s it! Simple, right? And, if you don’t qualify for the month, it’s no big deal. Your account is still free, and you can get right back to earning your rewards the very next month.

Savings Accounts

AccountMinimum Opening DepositInterest RateAPY
Regular Savings $100.00 0.04999% 0.05%
Kids Club $25.00 0.05% 0.05%
Christmas Club $10.00 0.04999% 0.05%
Vacation Club $25.00 0.04999% 0.05%

Certificates of Deposit

TermInterest RateAPY
3 Month term 0.09996% 0.10%
6 Month term 0.14992% 0.15%
12 Month term 0.39940% 0.40%
15 Month term 0.39940% 0.40%
18 Month term 0.44924% 0.45%
24 Month term 0.54887% 0.55%
30 Month term 0.59865% 0.60%
36 Month term 0.74790% 0.75%
48 Month term 0.84730% 0.85%
60 Month term 0.99627% 1.00%

Minimum opening deposit $500. Penalty for early withdrawal may apply.

Individual Retirement Accounts

TermInterest RateAPY
Variable / TDOA 0.09996% 0.10%
3 Month IRA 0.09996% 0.10%
6 Month IRA 0.14992% 0.15%
12 Month IRA 0.39940% 0.40%
24 Month IRA 0.54887% 0.55%
36 Month IRA 0.74790% 0.75%
48 Month IRA 0.84730% 0.85%
60 Month IRA 0.99627% 1.00%

Minimum opening deposit $10 TDOA and $500 Fixed.

Money Market Savings

BalanceInterest RateAPY
Under $4,999.99 0.04999% 0.05%
$5,000.00 - $24,999.99 0.09995% 0.10%
$25,000.00 - $249,999.99 0.24971% 0.25%
$250,000.00 - $499,999.99 0.29959% 0.30%
Over $500,000.00 0.34944% 0.35%

Minimum opening deposit $1,500.