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APY = Annual Percentage Yield. Rates effective as of August 13, 2019. Fees may reduce earnings

Free Kasasa Cash Checking* Learn More

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $10,000 $25 2.2271% 2.25%
$10,000+ $25 0.1499% 2.25% to 0.34%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

By doing banking basics that you’re probably already doing (we call them “qualifications”), you earn rewards. To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking

Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you’ll earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Kasasa Saver* Learn More

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $100,000 $25 0.9954% 1.00%
$100,000+ $25 0.1499% 1.00% to 0.58%
All balances if qualifications not met $25 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive E-Statements
  • Be enrolled in and log into online banking

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.

Health Savings Accounts Learn More

Balance Interest Rate APY
$0.01 - $4,999.99 0.050% 0.05%
$5,000 - $9,999.99 0.50% 0.05%
$10,000+ 0.100% 0.10%

Health Savings Accounts (HSAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information. 

Freedom Checking Learn More

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $4,999.99 $2,000 0.05% 0.05%
$5,000 - $9,999.99 $2,000 0.05% 0.05%
$10,000+ $2,000 0.10% 0.10%

Certificates of Deposit (CDs) Learn More

Term Minimum Required Opening Deposit Interest Rate APY
1 Month (Assumes 30 Days) $1,000 0.15% 0.15%
3 Months (Assumes 90 Days) $1,000 0.20% 0.20%
6 Months (Assumes 182 Days) $1,000 0.25% 0.25%
1 Year (Assumes 365 Days) $1,000  0.75% 0.75%
18 Months $1,000 1.50% 1.51%
2 Years $1,000 1.75% 1.76%
3 Years $1,000 1.75% 1.76%
4 Years $1,000 1.80% 1.81%
5 Years $1,000 1.80% 1.81%

Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.

Jumbo CDs ($100,000+) Learn More

Term Minimum Required Opening Deposit Interest Rate APY
1 Year $100,000  1.80% 1.81%

Certificate of Deposits are subject to an early withdrawal penalty, if we allow the withdrawal of any of the principal prior to maturity.

Individual Retirement Accounts (IRAs) Learn More

Type Term Minimum Required Opening Deposit Interest Rate APY
Regular IRA 30 Month - Fixed Rate $500 1.75% 1.76%
Roth IRA 24 Month - Fixed Rate $500 2.00% 2.01%
Roth IRA 12 Month - Variable Rate (Prime - 3.50%) $500 1.75% 1.76%
Self Directed IRA 12 Months - Variable Rate (Prime - 3.50%) $500 1.75% 1.76%

The applied interest rates and corresponding annual percentage yields are subject to change for Money Market Accounts and Certificate of Deposits on the day following the U.S. Treasury Bill Auction usually held on Monday of each week. We may change the applied interest rates and annual percentage yields on the Money Market Tiers each week.

Bank's Index Rate

Term Interest Rate
1 Year Adjustable Real Estate Loan (Weekly Average Yield on 1 Year Treasury Bills Adjusted for Constant Maturity) 1.78%
3 Year Adjustable Real Estate Loan (Weekly Average Yield on 3 Year Treasury Notes Adjusted for Constant Maturity) 1.54%
5 Year Adjustable Real Estate Loan (Weekly Average Yield on 5 Year Treasury Notes Adjusted for Constant Maturity) 1.54%

National Market Rates (Source: Wall Street Journal)

Rate 08/01/2019 08/13/2019
13 Week U.S. Treasury Bill 2.145% 1.960%
26 Week U.S. Treasury Bill 2.040% 1.890%
Federal Funds Target Rate 2.25% 2.25%
Federal Reserve Discount Rate 3.00% 2.75%
Prime Rate 5.25% 5.25%

Effective July 21, 2010 FDIC deposit insurance permanently raised to $250,000 per depositor.

Statement, Passbook & Minor Savings Accounts

Balance Interest Rate APY
$0 - $9,999.99 0.05% 0.05%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.15% 0.15%
$50,000+ 0.20% 0.20%

Statement & Passbook Savings Accounts can be opened with $25.00 minimum.

Minor Savings Accounts can be opened with $5.00 minimum.

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