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APY = Annual Percentage Yield. Rates effective as of July 23, 2019. Fees may reduce earnings.


Kasasa Cash* Learn More

Balance Interest Rate APY
Balances up to $10,000 2.96% 3.00%
Balances over $10,000 0.249% 3.00% to 0.36%
Depending on balance in account
If qualifications aren't 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 15 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • 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* Learn More

Balance Interest Rate APY
Balances up to $100,000 0.747% 0.75%
Balances over $100,000 0.249% 0.75% to 0.45%
Depending on balance in account
If qualifications aren't met 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 15 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle

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.

NOW Checking Learn More

Balance Interest Rate APY
$2,500.00 - 9,999.99 0.02% 0.02%
$10,000.00 - 24,999.99 0.08% 0.08%
$25,000.00 - 49,999.99 0.10% 0.10%
$50,000.00 and above 0.12% 0.12% 

Money Market Learn More

Balance Interest Rate APY
$2,500.00 - 9,999.99 0.05% 0.05%
$10,000.00 - 24,999.99 0.15% 0.15%
$25,000.00 - 49,999.99 0.15% 0.15%
$50,000.00 - 99,999.99 0.20% 0.20%
$100,000.00 - 149,999.99 0.20% 0.20%
$150,000.00 and above 0.40% 0.40% 

Savings Accounts

Product Interest Rate APY
Savings Account 0.02% 0.02%
Heritage Young Savers 0.02% 0.02% 

Certificates of Deposit Learn More

Term Length Interest Rate APY
91 Days 0.55% 0.55%
182 Days 0.70% 0.70%
12 Months (& 11 Month Renewals) 1.19% 1.20%
18 Months 1.98% 2.00%
24 Months 2.08% 2.10%
36 Months 2.08% 2.10%
48 Months 2.18% 2.20%
60 Months 2.18% 2.20%

Penalty for early withdrawal.