APY = Annual Percentage Yield. Rates effective as of October 1, 2021. Fees may reduce earnings.
| Balance |
Interest Rate |
APY |
| $0 - $25,000.00 |
2.23% |
2.25% |
| $25,000 and up |
0.15% |
2.25% - 0.57% |
| If qualifications aren't met |
0.05% |
0.05% |
| $0 - $25,000.00 |
|---|
| Interest Rate | 2.23% |
| APY | 2.25% |
| $25,000 and up |
|---|
| Interest Rate | 0.15% |
| APY | 2.25% - 0.57% |
| If qualifications aren't met |
|---|
| Interest Rate | 0.05% |
| APY | 0.05% |
Qualifications
To earn your rewards, 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 bill pay or ACH payment transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
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.
| Balance |
Interest Rate |
APY |
| $0 - $25,000.00 |
0.75% |
0.75% |
| $25,000 and up |
0.15% |
0.75% - 0.27% |
| If qualifications aren't met |
0.05% |
0.05% |
| $0 - $25,000.00 |
|---|
| Interest Rate | 0.75% |
| APY | 0.75% |
| $25,000 and up |
|---|
| Interest Rate | 0.15% |
| APY | 0.75% - 0.27% |
| If qualifications aren't met |
|---|
| Interest Rate | 0.05% |
| APY | 0.05% |
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:
- At least 1 bill pay or ACH payment transaction
- At least 10 debit card purchases
- Be enrolled in and agree to receive eStatements
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.
| Quoin Checking |
|---|
| Minimum Opening Balance | $750.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
| Health Savings Account (HSA) |
|---|
| Minimum Opening Balance | $100.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
| Minimum Opening Balance |
Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $5,000.00 |
$5,000.00 - $24,999.99 |
0.01% |
0.01% |
| $5,000.00 |
$25,000.00 - $49,999.99 |
0.01% |
0.01% |
| $5,000.00 |
$50,000.00 - $99,999.99 |
0.25% |
0.25% |
| $5,000.00 |
$100,000.00 - $199,999.99 |
0.40% |
0.40% |
| $5,000.00 |
$200,000.00 and above |
0.40% |
0.40% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $5,000.00 - $24,999.99 |
| Interest Rate | 0.01% |
| APY | 0.01% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $25,000.00 - $49,999.99 |
| Interest Rate | 0.01% |
| APY | 0.01% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $50,000.00 - $99,999.99 |
| Interest Rate | 0.25% |
| APY | 0.25% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $100,000.00 - $199,999.99 |
| Interest Rate | 0.40% |
| APY | 0.40% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $200,000.00 and above |
| Interest Rate | 0.40% |
| APY | 0.40% |
| Statement Savings |
|---|
| Minimum Opening Balance | $0.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
| Christmas Club Savings |
|---|
| Minimum Opening Balance | $0.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
| IRA Savings |
|---|
| Minimum Opening Balance | $0.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
| Money Market (MMDA) |
|---|
| Minimum Opening Balance | $1,000.00 |
| Minimum Balance to Obtain APY | N/A |
| Interest Rate | 0.01% |
| APY | 0.01% |
Cash Management Account*
Learn More
| Minimum Opening Balance |
Minimum Balance to Obtain APY |
Interest Rate |
APY |
| $5,000.00 |
$5,000.00 - $24,999.99 |
0.01% |
0.01% |
| $5,000.00 |
$25,000.00 - $49,999.99 |
0.01% |
0.01% |
| $5,000.00 |
$50,000.00 - $99,999.99 |
0.25% |
0.25% |
| $5,000.00 |
$100,000.00 - $199,999.99 |
0.40% |
0.40% |
| $5,000.00 |
$200,000.00 and above |
0.40% |
0.40% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $5,000.00 - $24,999.99 |
| Interest Rate | 0.01% |
| APY | 0.01% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $25,000.00 - $49,999.99 |
| Interest Rate | 0.01% |
| APY | 0.01% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $50,000.00 - $99,999.99 |
| Interest Rate | 0.25% |
| APY | 0.25% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $100,000.00 - $199,999.99 |
| Interest Rate | 0.40% |
| APY | 0.40% |
| $5,000.00 |
|---|
| Minimum Balance to Obtain APY | $200,000.00 and above |
| Interest Rate | 0.40% |
| APY | 0.40% |
CD / IRA Certificates**
Learn More
Please contact a Personal Banker for current rates.
* Rates may change after the account is opened. Fees may reduce earnings.
** Substantial penalty for early withdrawal. Change-A-Rate option available on all new certificates with an original maturity of 2 years or longer. Specials are excluded from the Change-A-Rate option. Rates on Change-A-Rate certificates may change subject to customer's request. IRA's are excluded from Change-A-Rate.
