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APY = Annual Percentage Yield. Rates effective as of February 11, 2019. Fees may reduce earnings. Rates subject to change at any time (except for IRAs and CDs). 

Kasasa Cash* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $10,000 $100 2.23% 2.25%
$10,000+ $100 0.25% 2.25% to 0.43%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications

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 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Maintain a valid email address on record with the bank

That’s it! And, if you don’t qualify this monthly qualification cycle, your account is still free. Plus, you’ll still earn the base interest rate for your account. Then, next month, you can get right back to earning your full rewards.

Kasasa Saver* Learn More

Balance Minimum Opening Deposit Rate APY
0 - $20,000 $100 1.00% 1.00%
$20,000+ $100 0.25% 1.00% to 0.38%
All balances if qualifications not met $100 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. 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: 

Kasasa Cash Account Holders: 

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 10 debit card purchases
  • Maintain a valid email address on record with the bank 

Kasasa Cash Back Account Holders:

  • At least 1 direct deposit, ACH credit, or ACH payment transaction
  • At least 15 debit card purchases
  • Maintain a valid email address on record with the bank 

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 Rate APY
Classic Checking 0.50% 0.50%
Personal Savings 0.50% 0.50%
Youth Savings 0.50% 0.50%
Personal Money Manager
($2,500 required daily balance)
1.00% 1.00%

Business Accounts

Account Rate APY
Business NOW Checking
(Sole Proprietor/Non-Profit)
0.50% 0.50%
Business Savings
$500.00 required daily balance
1.00% 1.00%
Business Money Manager
$2,500 required daily balance.
1.00% 1.00%

Certificates of Deposit (CDs) Learn More

Term Rate APY
6 Month 1.25% 1.26%
1 Year 1.75% 1.76%
2 Year 2.25% 2.27%
3 Year 2.50% 2.53%
4 Year 2.75% 2.78%
5 Year 3.00% 3.04%

$500 Minimum balance required.

A penalty may be imposed for early withdrawal on CDs.

IRA Learn More

Term Rate APY
18 Month 2.00% 2.02%

$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 Learn More

Balance Rate APY
$5,000.00 or more 1.75% 1.76%
$2,500.00 - $4,999.99 1.25% 1.26%
$500.00 - $2,499.99 0.75% 0.75%
less than $499.99 0.00% 0.00%

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