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Account Rates

Rates effective as of November 26, 2019.

All rates are subject to change. Must meet lending qualifications. Additional rates and terms are available. APR* and term are based on your credit rating, ability to repay and type of collateral (when applicable).

Kasasa Cash* View Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $50 2.96% 3.00%
$10,000+ $50 0.50% 3.00% to 0.73%
All balances if qualifications not met $50 0.05% 0.05%

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 one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • No minimum balance requirement

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* View Details

Balance Rate APY
$0 - $250,000 1.00% 1.00%
$250,000+ 0.40% 1.00% to 0.83%
All balances if qualifications not met 0.05% 0.05%

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 one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • No minimum balance requirement

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.

Deposit Accounts

Account Type Minimum Required Opening Deposit Dividend Rate APY
Member Savings $25 0.10% 0.10%
Clubs No Min. Balance 0.10% 0.10%

Share Certificates View Details

Type Minimum Required Opening Deposit Dividend Rate APY
3 Mo. Share Certificate $100 0.90% 0.90%
6 Mo. Share or IRA Certificate $500 1.54% 1.55%
1 Yr. Share or IRA Certificate $500 1.83% 1.85%
18 Mo. *Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits $500 1.73% 1.75%
2 Yrs. Share or IRA Certificate $500 1.68% 1.70%
30 Mo. Share or IRA Certificate $500 1.63% 1.65%
3 Yrs. Share or IRA Certificate $500 1.73% 1.75%
4 Yrs. Share or IRA Certificate $500 1.78% 1.80%
5 Yrs. *Step-Up Share or IRA Certificate - allows 1-time rate increase $500 1.88% 1.90%

Penalty for early withdrawal.

Wave Money Market View Details

Balance Dividend Rate APY
$1,000 - $4,999 (Savings) 0.25% 0.25%
$2,500 - $4,999 (Checking) 0.25% 0.25%
$5,000 - $9,999 0.35% 0.35%
$10,000 - $49,999 0.50% 0.50%
$50,000 - $99,999 0.75% 0.75%
$100,000 - $249,999 0.90% 0.90%
$250,000 - $499,999 1.39% 1.40%
$500,000+ 1.88% 1.90%

Individual Retirement Accounts (IRAs) View Details

Balance Dividend Rate APY
$0 - $4,999 0.25% 0.25%
$5,000 - $9,999 0.35% 0.35%
$10,000 - $49,999 0.45% 0.45%
$50,000 - $99,999 0.60% 0.60%
$100,000+ 0.80% 0.80%

Health Savings Account (HSA) View Details

Balance Dividend Rate APY
$0 - $999 0.20% 0.20%
$1,000 - $4,999 0.35% 0.35%
$5,000+ 0.55% 0.55%