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APY = Annual Percentage Yield. Rates effective as of October 2, 2018. Interest rate and APY may change after account is opened. Fees could reduce earnings. Rates and fees may change without notice.

Kasasa Cash*Learn More

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$25 $0 - $10,000 2.50% 2.53%
$25 $10,000.01+ 0.15% 2.53% to 0.37%
$25 Qualifications not 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 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
  • 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

Minimum Required Opening Deposit  Balance Required to Earn APY Interest Rate APY
$25 $0 - $10,000 0.75% 0.75%
$25 $10,000.01+ 0.20% 0.75% to 0.25%
$25 Qualifications not 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 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
  • 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.

Express Checking with InterestLearn More

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.15% 0.00% to 0.13%
$1,000 $7,500 - $49,999.99 0.25% 0.13% to 0.23%
$1,000 $50,000 - $99,999.99 0.35% 0.23% to 0.29%
$1,000 $100,000 - $249,999.99 0.40% 0.29% to 0.36%
$1,000 $250,000+ 0.45% 0.36% to 0.45% 

 

Money Market CheckingLearn More

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $2,499.99 0.00% 0.00%
$1,000 $2,500 -$9,999.99 0.15% 0.15%
$1,000 $10,000 - $24,999.99 0.30% 0.30%
$1,000 $25,000 - $49,999.99 0.35% 0.35%
$1,000 $50,000 - $99,999.99 0.40% 0.40%
$1,000 $100,000+ 0.50% 0.50%

 

Savings Accounts

Account Minimum Required Opening Deposit Interest Rate APY
Regular Savings $25 0.25% 0.25%
Minor Savings $0 0.25% 0.25% 
IRA Savings $25 1.75% 1.77% 
HSA Savings ($0 - $19,999.99) $25 0.50% 0.50%
HSA Savings ($20,000+) $25 1.00% 1.00%

Peoples Preferred SavingsLearn More

Minimum Required Opening Deposit Balance Required to Earn APY Interest Rate APY
$1,000 $0 - $999.99 0.00% 0.00%
$1,000 $1,000 - $7,499.99 0.50% 0.50%
$1,000 $7,500 - $49,999.99 0.85% 0.85%
$1,000 $50,000 - $99,999.99 1.40% 1.41%
$1,000 $100,000 - $749,999.99 1.65% 1.66%
$1,000 $750,000+ 1.97% 1.99%

 

Certificates of Deposit (CDs)Learn More

Balance Required to Earn APY Compound Minimum Required Opening Deposit Interest Rate APY
1 Month ($2,500+) At Maturity $2,500 1.50% 1.51%
3 Months ($2,500+) At Maturity $2,500 1.50% 1.51%
6 Months ($2,500 - $34,999.99) Quarterly $2,500 1.60% 1.61%
6 Months ($35,000+) Quarterly $2,500 1.70% 1.71%
12 Months ($250 - $9,999.99) Quarterly $250 2.00% 2.02%
12 Months ($10,000 - $34,999.99) Quarterly $250 2.00% 2.02%
12 Months ($35,000+) Quarterly $250 2.10% 2.12%
24 Months ($250 - $9,999.99) Quarterly $250 2.15% 2.17%
24 Months ($10,000 - $34,999.99) Quarterly $250 2.15% 2.17%
24 Months ($35,000+) Quarterly $250 2.25% 2.27%
36 Months ($250 - $9,999.99) Quarterly $250 2.45% 2.47%
36 Months ($10,000 - $34,999.99) Quarterly $250 2.45% 2.47%
36 Months ($35,000+) Quarterly $250 2.55% 2.57%
48 Months ($250 - $9,999.99) Quarterly $250 2.55% 2.57%
48 Months ($10,000 - $34,999.99) Quarterly $250 2.55% 2.57%
48 Months ($35,000+) Quarterly $250 2.60% 2.63%
60 Months ($250 - $9,999.99) Quarterly $250 2.60% 2.63%
60 Months ($10,000 - $34,999.99) Quarterly $250 2.65% 2.68%
60 Months ($35,000+) Quarterly $250 2.75% 2.76%

 

The interest compounding method we use is the same as the crediting frequency. Other crediting frequencies may be available upon request. A penalty may be imposed for early withdrawal. Special rates on $100,000.00 and over may be available upon request. You may request further information concerning early withdrawal penalties, fees and terms applicable to the advertised accounts. The annual percentage yield is accurate as of effective date listed. Rates and fees may change without notice.