APY = Annual Percentage Yield.
APY's are accurate as of November 1, 2023. Fees may reduce earnings.
Kasasa Cash* Learn More
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| 0 - $25,000 | $50.00 | 4.88% | 5.00% |
| $25,000+ | $50.00 | 0.25% | 5.00% - 1.20% |
| Qualifications not met | $50.00 | 0.05% | 0.05% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 ACH debit or credit
- At least 12 debit card purchases, each greater than $5
- Be enrolled in and agree to receive e-statements
If you don't meet the qualifications during the 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 right back to earning your full rewards the very next month.
Rates are variable and may change after the account is opened.
Kasasa Saver* Learn More
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| All Balances | $50.00 | 1.98% | 2.00% |
| Qualifications not met | $50.00 | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases, each greater than $5.00 for Kasasa Cash and each for any amount for Kasasa Cash Back
- At least 1 ACH debit or credit transaction
- Be enrolled in and agree to receive e-statements
Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Rates are variable and may change after the account is opened.
Money Market Learn More
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Under $10,000 | $1,000 | 1.24%1 | 1.25% |
| From $10,000 to $24,999 | $1,000 | 1.49%1 | 1.50% |
| From $25,000 to $49,999 | $1,000 | 1.74%1 | 1.75% |
| From $50,000 to $249,999 | $1,000 | 1.98%1 | 2.00% |
Rates are variable and may change after the account is opened.
Business Money Market Learn More
| Tier | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Under $10,000 | $5,000 | 1.24%1 | 1.25% |
| From $10,000 to $24,999 | $5,000 | 1.49%1 | 1.50% |
| From $25,000 to $49,999 | $5,000 | 1.74%1 | 1.75% |
| From $50,000 to $249,999 | $5,000 | 1.98%1 | 2.00% |
Rates are variable and may change after the account is opened.
Business NOW Account Learn More
| Deposit Requirement | Interest Rate | APY |
|---|---|---|
| $100 | 1.49%1 | 1.50% |
Rate is variable and may change after the account is opened.
Certificates of Deposit Under $95,000 Learn More
| Deposit Requirement | Term | Interest Rate | APY |
|---|---|---|---|
| $1,000 or more | 1 Year | 3.927%2 | 4.00% |
| Option CD $5,000 or more | 1 Year | 3.927%2 | 4.00% |
An interest penalty for early withdrawal on certificates of deposit may apply.
Certificates of Deposit Over $95,000 Learn More
| Deposit Requirement | Term | Interest Rate | APY |
|---|---|---|---|
| $95,000 | 30 Day | 4.117%2 | 4.25% |
| $95,000 | 90 Day | 4.131%2 | 4.25% |
| $95,000 | 6 Months | 3.911%2 | 4.00% |
| $95,000 | 1 Year | 3.950%2 | 4.00% |
An interest penalty for early withdrawal on certificates of deposit may apply.
Individual Retirement Account Learn More
| Type | Term | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|---|
| Fixed Rate | 1.5 Years | $100 | 2.23%3 | 2.25% |
| Variable Rate* | 1.5 Years | $100 | 2.23%3 | 2.25% |
*Rates may change after the account has been opened.
An interest penalty for early withdrawal on individual retirement accounts may apply.
Savings
| Type | Minimum Required Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Regular | $100 | 0.65%4 | 0.65% |
| Business | $100 | 0.65%5 | 0.65% |
| CBT and GVA Union Accounts | $100 | 0.65%5 | 0.65% |
Rates are variable and may change after the account is opened.
1 Interest is accrued daily and compounded monthly at statement cycle. Interest is earned at a variable rate.
2 Interest is compounded daily and credited as per the terms of the Certificate of Deposit. Certificates of Deposit over $95,000 are simple interest.
3 Interest is compounded daily and credited quarterly.
4 Interest is compounded quarterly and credited quarterly on the day the statement cycles.
5 Interest is compounded quarterly and credited quarterly on the day the statement cycles.
