APY = Annual Percentage Yield. Rates effective as of June 1, 2016. Fees may reduce earnings.

Rates are subject to change at any time, except for IRA’s and CD’s.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $10,000 $100 2.23% 2.25%
$10,000+ $100 0.25% 2.25% to 0.25%
All balances if qualifications not met $100 0.05% 0.05%

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
  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have a valid email address on file to receive electronic statements

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* See Details

Balance Interest Rate APY
0 - $20,000 1.00% 1.00%
$20,000+ 0.25% 1.00% to 0.25%
Qualifications not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Kasasa Cash account holders must have at least 10 debit card purchases post and settle
  • Kasasa Cash Back account holders must have at least 15 debit card purchases post and settle
  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have a valid email address on file to receive electronic statements

And that’s it! If you don’t qualify this monthly cycle, your account is still free and you’ll still earn the base interest rate. Plus, you’ll get right back to earning your rewards the very next month.

Personal Accounts

Account Interest Rate APY
Personal NOW Checking 0.25% 0.25%
Savings Regular/Minor 0.35% 0.35%
Personal Money Manager
($2,500 required daily balance)
0.45% 0.45%

Business Accounts

Account Interest Rate APY
Business NOW Checking
(Sole Proprietor/Non-Profit)
0.25% 0.25%
Business Savings
$500.00 required daily balance
0.45% 0.45%
Business Money Manager
$2,500 required daily balance.
0.45% 0.45%

Certificate of Deposit (CD) See Details

Term Interest Rate APY
3 Month 0.20% 0.20%
6 Month 0.25% 0.25%
1 Year 0.45% 0.45%
2 Year 0.65% 0.65%
  • $500 Minimum balance required.
  • A penalty may be imposed for early withdrawal on CDs.

IRA See Details

Term Interest Rate APY
18 Month 0.65% 0.65%
  • $500 Minimum balance required.
  • A penalty may be imposed for early withdrawal.
  • Additional deposits allowed on this IRA only. For more information, call (501) 376-0800.

Health Savings Account See Details

Health Savings Account Interest Rate APY
If your balance is $5,000.00 or more the interest rate paid on the entire balance in your account will be: 1.75% 1.76%
If your balance is greater than $2,500.00 and less than $4,999.99 the interest rate paid on the entire balance in your account will be: 1.25% 1.26%
If your balance is greater than $500.00 and less than $2,499.99 the interest rate paid on the entire balance in your account will be: 0.75% 0.75%
If your balance is less than $499.99 the interest rate paid on the entire balance in your account will be: 0% 0%