Kasasa Saver

Take your Kasasa® rewards to a whole new level! Kasasa Saver® is a free, high-dividend account that links to Kasasa Cash® checking. Here's how it works: the high dividends and ATM fee refunds* from your Kasasa checking are automatically deposited into your Kasasa Saver account.

Even better, your Kasasa Saver balance earns high dividends — up to 0.15% APY on balances up to $10,000!* So your savings grows each month, with little effort on your part. And with no monthly service fee, all the money you save stays right where it belongs — in your account.

Summary
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash checking
  • Kasasa Cash rewards automatically transferred to Kasasa Saver
    • 0.15% APY* on balances up to $10,000
    • 0.15% to 0.10% APY on balances over $10,000, depending on balance in account*
    • 0.01% APY* on all balances if qualifications are not met
  • No minimum balance to earn or save
  • Never pay a monthly service fee
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • Free 24/7 telephone banking
  • Overdraft protection available
  • $25 minimum deposit to open
  • Federally insured by NCUA up to $250,000

Qualifications:

There are no additional qualifications — when you qualify for Kasasa Cash, you also qualify for Kasasa Saver. Simply do the following transactions and activities each Monthly Qualification Cycle: 

  • Have at least 10 signature-based debit card purchases post and settle
  • Be enrolled and receive monthly eStatement notice
  • Have at least one direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and log into online banking

That’s it! Even if you don’t meet your qualifications during the cycle, your Kasasa Cash account is still free. And you’ll still earn our base interest rate on Kasasa Saver too. You can always get right back to earning your full rewards the very next month!

Monthly Qualification Cycles
Statement CycleQualification Cycle
January 1 – January 31 December 31 – January 28
February 1 – February 29 January 29 – February 28
March 1 – March 31 February 29 – March 30
April 1 – April 30 March 31 – April 28
May 1 – May 31 April 29 – May 30
June 1 – June 30 May 31 – June 29
July 1 – July 31 June 30 – July 28
August 1 – August 31 July 29 – August 30
September 1 – September 30 August 31 – September 29
October 1 – October 31 September 30 – October 30
November 1 – November 30 October 31 – November 29
December 1 – December 31 November 30 – December 2

Kasasa Cash and Kasasa Saver: *APY=Annual Percentage Yield. The Kasasa Cash® account, with or without the Kasasa SAVER® option, is a tiered rate account. The rate tiers are as follows: the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule applies to balances of $0.01 - $10,000.00 and the second Dividend Rate and Annual Percentage Yield listed for this account applies to balances over $10,000.00 if qualifications are met during the Monthly Qualification Cycle. Each rate will apply only to that portion of the account balance within each range. The third Dividend Rate and Annual Percentage Yield listed for this account applies to all balances if the qualifications are not met. All Kasasa Cash® balances will earn 1.10% APY - 0.24% APY if qualifications are met. The disclosed Kasasa Cash® APY is based on compounding dividends. The dividends earned in Kasasa Cash® with SAVER are automatically transferred to Kasasa SAVER® each statement cycle and do not compound. The actual dividends paid may be less than the disclosed APY. The Kasasa SAVER® APYs may be less than the Kasasa Cash® APYs. All Kasasa SAVER balances earn 0.15% APY - 0.10% APY if qualifications are met on Kasasa Cash. If you have met your qualifications for the Monthly Qualification Cycle, we will reimburse you for domestic ATM fees (checking only) up to $7.50 per qualification cycle. ATM fee reimbursements will be credited to your account on the last business day of your statement cycle. ATM fees of $ 4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. Individual ATM fees of $5.00 or higher will only be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle when the reimbursement was applicable. Note: ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. The qualifications per Monthly Qualification Cycle are: 1) Have at least ten (10) signature-based debit card purchases post and settle. PIN based transactions do not count toward qualifying signature-based debit card purchases. When given the option, always choose, "Credit" to complete your purchase. Transactions may take one or more banking days from transaction date to post to an account. Debit card transactions processed by merchants and received by the Credit Union as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the Credit Union as POS transactions count towards qualifying debit card transactions. 2.) Have at least one (1) automatic payment or direct deposit post and settle. Intra-bank transfers do not count as qualifying transactions. 3.) Receive eStatementsand eNotices. 4.) Be enrolled and log into Online Banking. For the Kasasa Cash® account, the Monthly Qualification Cycle is defined as a period beginning on the last business day of the prior month through the calendar day prior to the last business day of the currentstatement cycle. One (1) Kasasa Cash® account allowed per primary member's Social Security Number. This account is available to consumer/personal accountholders only. For Kasasa Cash® with SAVER, if qualified, the nationwide ATM fee refunds will post to Kasasa SAVER® on the last business day of the month. Kasasa Cash® with SAVER dividends will transfer to Kasasa SAVER® on the business day following the end of the statement cycle. Rates may change after account is opened. Fees may reduce earnings.

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