Online Banking
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Free Kasasa Saver

Make it easy to save with automatic Kasasa® checking reward transfers — and earn interest on top.

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  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.00% APY* on balances up to $50,000
  • 1.00% to 0.30% APY on balances over $50,000 depending on balance in account*
  • 0.01% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free digital banking
  • $25 minimum deposit to open

It’s easy to earn your rewards!

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:

  • At least 1 ACH credit or ACH payment transaction
  • At least 15 check card purchases
  • Be enrolled in and agree to receive e-statements

It’s as simple as that. Even if you don’t meet your qualifications during the cycle, your accounts are still free. And you’ll still earn our base rate for Kasasa Saver. Then you can get back to earning your full rewards the very next month.

Qualification Information

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) Business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000.00 receive APY of 1.00%; and balances over $50,000.00 earn 0.30% interest rate on the portion of balance over $50,000.00, resulting in a range from 1.00% to 0.30% APY depending on the account’s balance. Kasasa Cash: Balances up to $10,000.00 receive a non-compounding APY* of 2.00%; and balances over $10,000.00 earn 0.20% interest rate on the portion of balance over $10,000.00, resulting in a non-compounding range from 2.00% to 0.20% APY* depending on the account’s balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.01% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.01%. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 04/09/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly ACH credit or ACH debit, have at least 15 check card purchases post and settle and enroll in and agree to receive E-statements via online banking, are conditions of these accounts. Limit one (1) account type per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open, maintain, or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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Regular Savings Account

Save for the future, so you can live for today. Our savings account pays competitive interest and includes limited access to funds.

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  • Competitive interest on entire balance1
  • No monthly maintenance charge
  • No minimum balance requirement
  • 6 free withdrawals per month; $0.50 per withdrawal in excess thereafter
  • Free digital banking
  • Free statement mailed annually
    • Monthly statements will be mailed if EFT transaction occurs
  • $25 minimum deposit to open

1Interest rate is subject to change without notice.

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Super Savers Account

With our Super Savers account, you’re in control. Maintain a balance of $2,500 or more to earn a higher rate.

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  • Competitive, tiered interest rates1
  • Accounts with a daily balance of less than $2,500 earn savings account rate
  • Accounts with a daily balance of $2,500 or more may earn higher rate
  • 6 free withdrawals per month; $0.50 per withdrawal in excess thereafter
  • Free digital banking
  • Free monthly mailed statement
  • $25 minimum deposit to open

1Interest rate is subject to change without notice.

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Certificates of Deposit (CDs)

You know patience is a virtue, but did you know it can be lucrative? Earn a fixed rate when you put aside funds for a set term.

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  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 1 month to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • $100-$500 minimum deposit to open

1Early withdrawals may result in a penalty.

Educational CDs

Parents know that when it comes to paying for college, every little bit helps. That’s why we offer educational CDs. This CD is designed to come due when a child graduates from high school. It can be started at any time and in any amount. You’ll earn our highest rate of interest throughout the term1, and additional deposits may be made whenever you wish.

Contact us today about our educational CDs!


1The interest rate is subject to change every three years.

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Individual Retirement Accounts (IRAs)

We’ve helped generations save for retirement. Let us help you retire securely with a competitive-rate IRA.

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  • Traditional and Roth IRA options
  • $7,000 contribution limit per year
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA
Traditional vs. Roth

There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.

Traditional IRA

  • No income limits to open
  • No minimum contribution requirement
  • Contributions are tax deductible on state and federal income tax1
  • Beginning in 2020 you may contribute to an IRA after age 70 1/2 provided you have earned income.
  • Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
  • Withdrawals can begin at age 59 ½
  • Early withdrawals subject to penalty2
  • Mandatory withdrawals at age 72 (Beginning in 2020)

Roth IRA

  • Income limits to be eligible to open Roth IRA3
  • Contributions are NOT tax deductible
  • Earnings are 100% tax free at withdrawal1
  • Principal contributions can be withdrawn without penalty1
  • Withdrawals on interest can begin at age 59 ½
  • Early withdrawals on interest subject to penalty2
  • No mandatory distribution age
  • No age limit on making contributions as long as you have earned income

1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.