APY = Annual Percentage Yield. Rates and APYs accurate as of September 28th, 2022.
Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.
Deposit Rates
Kasasa Cash®* Learn More
|
Balance |
Minimum Opening Deposit |
Interest Rate |
APY |
|---|---|---|---|
| 0 to $20,000 | $50 | 1.14% | 1.15% |
| $20,000+ | $50 | 0.20% | 1.15% to 0.34%* |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
*APY calculations are based on an assumed balance of $120,000.00 in your Kasasa Cash account and an assumed statement cycle of 31 days.
Qualifications to Earn Rewards
Just do a few simple things you're probably already doing. 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 post and settle
- At least 1 direct deposit, ACH credit, or ACH payment transaction post and settle
- Be enrolled in and agree to receive eStatements
If you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate and you can get right back to earning your full rewards the very next cycle that you qualify.
Image Plus Checking Learn More
| Balance^ | Interest Rate | APY |
|---|---|---|
| $2,000 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.07% | 0.07% |
| $10,000+ | 0.10% | 0.10% |
Annual percentage yield assumes the semi-annual compounding of interest at the same RATE for one year. Rate subject to change. These rates do not apply to institutional funds. Fees may reduce earnings on account. Other restrictions may apply. Member FDIC.
^ Daily Balance (the amount of principal in the account each day)
Statement Savings Learn More
| Balance | Interest Rate | APY |
|---|---|---|
| All balances | 0.08% | 0.08% |
Money Market Learn More
| Balance^ | Interest Rate | APY |
|---|---|---|
| $1,000 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $24,999.99 | 0.15% | 0.15% |
| $25,000+ | 0.25% | 0.25% |
^ Daily Balance (the amount of principal in the account each day)
Premium Money Market Learn More
| Balance^ | Interest Rate | APY |
|---|---|---|
| $25,000 - $49,999.99 | 0.25% | 0.25% |
| $50,000 - $99,999.99 | 0.40% | 0.40% |
| $100,000 - $249,999.99 | 0.45% | 0.45% |
| $250,000 - $499,999.99 | 0.50% | 0.50% |
| $500,000+ | 0.55% | 0.55% |
^ Daily Balance (the amount of principal in the account each day)
Health Savings Account (HSA) Learn More
| Balance^ | Interest Rate | APY |
|---|---|---|
| $0 - $999.99 | 0.05% | 0.05% |
| $1,000 - $4,999.99 | 0.05% | 0.05% |
| $5,000 - $9,999.99 | 0.05% | 0.05% |
| $10,000+ | 0.10% | 0.10% |
^ Daily Balance (the amount of principal in the account each day)
Individual Retirement Accounts (IRAs) Learn More
| Account Type | Balance | Interest Rate | APY |
|---|---|---|---|
| IRA Educational | $0 - $1,000 | 0.05% | 0.05% |
| IRA Educational | $1,000+ | 0.10% | 0.10% |
| IRA Roth | $0 - $1,000 | 0.05% | 0.05% |
| IRA Roth | $1,000+ | 0.10% | 0.10% |
| IRA Traditional | $0 - $1,000 | 0.05% | 0.05% |
| IRA Traditional | $1,000+ | 0.10% | 0.10% |
Certificates of Deposit (CDs)
Learn MoreUnder $25,000 (Geneseo/Andover)
Rates effective 09/28/22 - 10/04/22
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $1,000 | 0.25% | 0.25% |
| 182 Days | $1,000 | 0.35% | 0.35% |
| 12 Months | $1,000 | 0.75% | 0.75% |
| 18 Months | $1,000 | 1.00% | 1.00% |
| 30 Months | $1,000 | 1.15% | 1.15% |
| 60 Months | $1,000 | 1.75% | 1.75% |
| 13 Month Renewal Rate | $1,000 | 0.65% | 0.65% |
Penalty for early withdrawal
Over $25,000 (Geneseo/Andover)
Rates effective 09/28/22-10/04/22
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $25,000 | 0.35% | 0.35% |
| 182 Days | $25,000 | 0.50% | 0.50% |
| 12 Months | $25,000 | 1.00% | 1.00% |
| 18 Months | $25,000 | 1.25% | 1.25% |
| 30 Months | $25,000 | 1.40% | 1.40% |
| 60 Months | $25,000 | 2.00% | 2.00% |
| 13 Month Renewal Rate | $25,000 | 1.00% | 1.00% |
Penalty for early withdrawal
Under $25,000 (Fulton)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $1,000 | 0.25% | 0.25% |
| 182 Days | $1,000 | 0.35% | 0.35% |
| 12 Months | $1,000 | 0.75% | 0.75% |
| 18 Months | $1,000 | 1.00% | 1.00% |
| 30 Months | $1,000 | 1.15% | 1.15% |
| 60 Months | $1,000 | 1.75% | 1.75% |
| 13 Month Renewal Rate | $1,000 | 0.75% | 0.75% |
Penalty for early withdrawal
Over $25,000 (Fulton)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $25,000 | 0.35% | 0.35% |
| 182 Days | $25,000 | 0.50% | 0.50% |
| 12 Months | $25,000 | 1.00% | 1.00% |
| 18 Months | $25,000 | 1.25% | 1.25% |
| 30 Months | $25,000 | 1.40% | 1.40% |
| 60 Months | $25,000 | 2.00% | 2.00% |
| 13 Month Renewal Rate | $$25,000 | 1.00% | 1.00% |
Penalty for early withdrawal.
Under $25,000 (Rochelle/Ashton/Oregon)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $1,000 | 0.25% | 0.25% |
| 182 Days | $1,000 | 0.35% | 0.35% |
| 12 Months | $1,000 | 0.75% | 0.75% |
| 18 Months | $1,000 | 1.00% | 1.00% |
| 30 Months | $1,000 | 1.15% | 0.15% |
| 60 Months | $1,000 | 0.75% | 0.75% |
Penalty for early withdrawal
Over $25,000 (Rochelle/Ashton/Oregon)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $25,000 | 0.35% | 0.35% |
| 182 Days | $25,000 | 0.50% | 0.50.% |
| 12 Months | $25,000 | 1.00% | 1.00% |
| 18 Months | $25,000 | 1.25% | 1.25% |
| 30 Months | $25,000 | 1.40% | 1.40% |
| 60 Months | $25,000 | 1.00% | 1.00% |
Penalty for early withdrawal
Under $25,000 (Princeton/Peru)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $1,000 | 0.35% | 0.35% |
| 182 Days | $1,000 | 0.50% | 0.50% |
| 12 Months | $1,000 | 1.00% | 1.00% |
| 18 Months | $1,000 | 1.25% | 1.25% |
| 30 Months | $1,000 | 1.35% | 1.35% |
| 60 Months | $1,000 | 2.00% | 2.00% |
| 13 Month Renewal Rate | $1,000 | 1.00% | 1.00% |
Penalty for early withdrawal
Over $25,000 (Princeton/Peru)
Rates effective 09/28/2022-10/04/2022
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $25,000 | 0.35% | 0.35% |
| 182 Days | $25,000 | 0.50% | 0.50% |
| 12 Months | $25,000 | 1.00% | 1.00% |
| 18 Months | $25,000 | 1.25% | 1.25% |
| 30 Months | $25,000 | 1.35% | 1.35% |
| 60 Months | $25,000 | 2.00% | 2.00% |
| 13 Month Renewal Rate | $25,000 | 1.00% | 1.00% |
Penalty for early withdrawal
Under $25,000 ( Sterling/Rock Falls)
Rates effective 09/28/22 - 10/04/22
| Term | Minimum Balance | Interest Rate | APY |
|---|---|---|---|
| 91 Days | $1,000 | 0.35% | 0.35% |
| 182 Days | $1,000 | 0.50% | 0.50% |
| 12 Months | $1,000 | 1.00% | 1.00% |
| 18 Months | $1,000 | 1.25% | 1.25% |
| 30 Months | $1,000 | 1.35% | 1.35% |
| 60 Months | $1,000 | 2.00% | 2.00% |
| 13 Month Renewal Rate | $1,000 | 1.00% | 1.00% |
Penalty for early withdrawal