Not quite sure which account you need? Try our Product Picker feature to find the account that’s right for you!

Click Here To Try our Product Picker!

Coins being placed into a Piggy Bank icon
Free Kasasa Saver

Already earning with Kasasa Cash or Kasasa Cash Back accounts?
Open a Kasasa Saver account for even more rewards.

KEY FEATURES

  • Automatic Savings
  • High Interest
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
Benefits
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.30% APY* on balances up to $250,000
  • 1.30% to 1.00% APY on balances over $250,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • $25 minimum deposit to open

Here’s how easy it is to earn the higher rate.

Qualifying for your Kasasa Cash or Kasasa Cash Back 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 or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your linked Kasasa Cash, or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $250,000.00 in your Kasasa Saver account earn an APY of 1.05% and average daily balances over $250,000.00 earn an interest rate of 0.4789% on the portion of the average daily balance over $250,000.00, resulting in a range from 0.41% to 0.48% APY depending on the account’s average daily balance.

When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns an interest rate 0.05% resulting in an annual percentage yield of 0.05% APY.

Interest will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 09/14/2021.

APY calculations are based on an assumed balance of $250,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

A $25 minimum deposit is required to open the account.

Monthly enrollment in online banking, may be a condition of these account(s).

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of one Kasasa Saver account per Social Security Number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

dollar growth icon
Select Rate Savings

Saving is just the smart thing to do — whether it’s for a goal, or just a rainy day.

KEY FEATURES

  • Competitive Interest
  • Digital Banking
Benefits
  • Simple, multi-purpose savings account
  • Set aside for something specific or simply a rainy day
  • No monthly maintenance fee
  • No minimum balance required
  • Competitive interest earnings
  • Up to 6 free withdrawals/transfers per month
    • $3 service fee for each withdrawal thereafter
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • $25 minimum deposit to open
kid rocket with money symbol
Select Kids

Let’s teach our kiddos good saving habits early on. This account will help them develop skills that could last a lifetime.

KEY FEATURES

  • No Monthly Maintenance Fees
  • Digital Banking
Benefits
  • Exclusive savings for kids up to age 18
  • Establishes the importance of saving money from an early age
  • No monthly maintenance fee
  • No minimum balance required
  • Competitive interest earnings on entire balance
    • Compounded daily, credited quarterly
  • Up to 6 free withdrawals/transfers per month
    • $3 service fee for each withdrawal thereafter
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • $25 minimum deposit to open
money market increase arrow with coin icon
Sharp Top Money Market Accounts

You’ve been saving up for a while — now get rewarded for your effort. Earn competitive, tiered interest while maintaining access.

KEY FEATURES

  • Competitive Interest
  • Digital Banking
Benefits
  • Competitive, tiered rates — higher balances earn higher rates
  • Free checks
  • Enjoy flexibility with enhanced access to funds, including direct check writing:
    • Unlimited in-person withdrawals or by mail
    • Free ATM withdrawals
    • 6 free transactions per month by pre-authorized automatic, telephone, drafts, checks, or other
  • similar order (3 may be checks); $5 per transaction in excess thereafter
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • $25 minimum deposit to open
pen on paper icon
Certificates of Deposit (CDs)

Save with certainty. A CD can help you reach any goal with competitive, fixed rates for the term you choose.

KEY FEATURES

  • Guaranteed Returns
  • Competitive Interest
  • No Setup or Maintenance Fees
Benefits
  • Fixed rates, higher than standard savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open
clock behind a coin icon
Individual Retirement Accounts (IRAs)

Time flies — so whether you’re younger or older, retirement is just around the corner. Start saving for it today with tax advantages.*

KEY FEATURES

  • Competitive Interest
  • No Setup or Maintenance Fees
  • Tax Advantages
Benefits
  • Competitive interest above standard savings rates
  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply (see current contribution limits; $6,000 as of 2020)*
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
  • $500 minimum deposit to open
Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 70½

Roth IRA

  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on interest can begin at age 59½
  • Early withdrawals on interest subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.

*Consult a tax advisor.