Rates

APY = Annual Percentage Yield. Rates and APYs accurate as of June 29th, 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 0.08% 0.08%
$25,000+ 0.10% 0.10%

^ 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 0.10% 0.10%
$50,000 - $99,999.99 0.15% 0.15%
$100,000 - $249,999.99 0.20% 0.20%
$250,000 - $499,999.99 0.25% 0.25%
$500,000+ 0.30% 0.30%

^ 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 More

Under $25,000 (Geneseo/Andover)

Rates effective 06/29/22 - 07/05/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.20% 0.20%
12 Months $1,000 0.30% 0.30%
18 Months $1,000 0.45% 0.45%
30 Months $1,000 0.50% 0.50%
60 Months $1,000 0.80% 0.80%
13 Month Renewal Rate $1,000 0.30% 0.30%

Penalty for early withdrawal

Over $25,000 (Geneseo/Andover)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.20% 0.20%
182 Days  $25,000 0.30% 0.30%
12 Months  $25,000 0.40% 0.40%
18 Months  $25,000 0.50% 0.50%
30 Months  $25,000 0.60% 0.60%
60 Months  $25,000 0.90% 0.90%
13 Month Renewal Rate  $25,000 0.30% 0.30%

Penalty for early withdrawal

Under $25,000 (Fulton)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.20% 0.20%
12 Months $1,000 0.30% 0.30%
18 Months $1,000 0.45% 0.45%
30 Months $1,000 0.50% 0.50%
60 Months $1,000 0.80% 0.80%
13 Month Renewal Rate $1,000 0.30% 0.30%

Penalty for early withdrawal

Over $25,000 (Fulton)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.20% 0.20%
182 Days $25,000 0.30% 0.30%
12 Months $25,000 0.40% 0.40%
18 Months $25,000 0.50% 0.50%
30 Months $25,000 0.60% 0.60%
60 Months $25,000 0.90% 0.90%
13 Month Renewal Rate $$25,000 0.30% 0.30%

Penalty for early withdrawal.

Under $25,000 (Rochelle/Ashton/Oregon)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.25% 0.25%
12 Months $1,000 0.30% 0.30%
18 Months $1,000 0.45% 0.45%
30 Months $1,000 0.50% 0.50%
60 Months $1,000 0.80% 0.80%

Penalty for early withdrawal

Over $25,000 (Rochelle/Ashton/Oregon)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.20% 0.20%
182 Days $25,000 0.30% 0.30%
12 Months $25,000 0.40% 0.40%
18 Months $25,000 0.50% 0.50%
30 Months $25,000 0.55% 0.55%
60 Months $25,000 0.90% 0.90%

Penalty for early withdrawal

Under $25,000 (Princeton/Peru)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $1,000 0.15% 0.15%
182 Days $1,000 0.20% 0.20%
12 Months $1,000 0.35% 0.35%
18 Months $1,000 0.40% 0.40%
30 Months $1,000 0.50% 0.50%
60 Months $1,000 1.00% 1.00%
13 Month Renewal Rate $1,000 0.35% 0.35%

Penalty for early withdrawal

Over $25,000 (Princeton/Peru)

Rates effective 06/29/22-07/05/22

Term Minimum Balance Interest Rate APY
91 Days $25,000 0.15% 0.15%
182 Days $25,000 0.20% 0.20%
12 Months $25,000 0.35% 0.35%
18 Months $25,000 0.40% 0.40%
30 Months $25,000 0.50% 0.50%
60 Months $25,000 1.00% 1.00%
13 Month Renewal Rate $25,000 0.35% 0.35%

Penalty for early withdrawal

Loan Rates-please contact local lender for rates.

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