Rates

Rates effective as of June 6, 2025.

This Rate Chart contains information about dividend rates and annual percentage yields for some of the accounts we offer. Dividend rates and annual percentage yields (APY) are current as of the above date.

*The dividend rate and annual percentage yield may change after account opening without notice.

Free Kasasa Cash Checking* Learn More

Balance Minimum Required Opening Deposit Dividend Rate* APY*
$0 - $10,000 $100 4.889% 5.00%
Over $10,000 $100 0.10% 5.00% - 0.45%
All balances if qualifications not met $100 0.01% 0.01%
$0 - $10,000
Minimum Required Opening Deposit$100
Dividend Rate*4.889%
APY*5.00%
Over $10,000
Minimum Required Opening Deposit$100
Dividend Rate*0.10%
APY*5.00% - 0.45%
All balances if qualifications not met
Minimum Required Opening Deposit$100
Dividend Rate*0.01%
APY*0.01%

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 1 direct deposit / ACH credit, bill pay or ACH payment transaction post and settle
  • Have at least 15 Point of Sale debit card purchases post and settle
  • Be enrolled in and agree to receive e-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 dividend rate. Plus, you can get back to earning really high dividends and nationwide ATM fee refunds the very next month.

Free Kasasa Saver* Learn More

Balance Minimum Required Opening Deposit Dividend Rate* APY*
$0 - $10,000 $25 0.9951% 1.00%
Over $10,000 $25 0.2497% 0.25%
All balances if qualifications not met $25 0.01% 0.01%
$0 - $10,000
Minimum Required Opening Deposit$25
Dividend Rate*0.9951%
APY*1.00%
Over $10,000
Minimum Required Opening Deposit$25
Dividend Rate*0.2497%
APY*0.25%
All balances if qualifications not met
Minimum Required Opening Deposit$25
Dividend Rate*0.01%
APY*0.01%

Qualifications

Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash or Cash Back account each monthly qualification cycle:

  • Have at least 1 direct deposit / ACH credit or bill pay or ACH payment transaction(s) post and settle 
  • Kasasa Cash: Have at least 15 Point of Sale debit card purchases  post and settle 
  • Kasasa Cash Back: Have at least 12 Point of Sale debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base dividend rate. And you can get back to earning rewards the very next month you qualify.

Greater Community Club Checking Learn More

Minimum Opening Deposit Minimum Daily Balance to Obtain APY Dividend Rate* APY*
$100 $1,000 0.02% 0.02%
$100
Minimum Daily Balance to Obtain APY$1,000
Dividend Rate*0.02%
APY*0.02%

Greater Business Money Market Learn More

Balance Minimum Opening Deposit Minimum Daily Balance to Obtain APY Dividend Rate* APY*
$2,500 - $24,999.99 $100 $2,500 0.995% 1.00%
$25,000 - $49,999.99 $100 $25,000 1.242% 1.25%
$50,000+ $100 $50,000 1.242% 1.25%
$2,500 - $24,999.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$2,500
Dividend Rate*0.995%
APY*1.00%
$25,000 - $49,999.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$25,000
Dividend Rate*1.242%
APY*1.25%
$50,000+
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$50,000
Dividend Rate*1.242%
APY*1.25%

Certificates of Deposit (CDs) and IRA Certificates Learn More

Term Minimum Balance Dividend Rate* APY Early Withdrawal Penalty
6 Month CD1 $1,000 3.687% 3.75% 90 Days Dividends
  $100,000 3.793% 3.86% 90 Days Dividends
  $250,000 3.793% 3.86% 90 Days Dividends
12 Month CD1 $1,000 3.494% 3.55% 90 Days Dividends
  $100,000 3.600% 3.66% 90 Days Dividends
  $250,000 3.600% 3.66% 90 Days Dividends
18 Month CD1 $1,000 3.348% 3.40% 90 Days Dividends
  $100,000 3.455% 3.51% 90 Days Dividends
  $250,000 3.455% 3.51% 90 Days Dividends
24 Month CD1 $1,000 3.251% 3.30% 180 Days Dividends
  $100,000 3.358% 3.41% 180 Days Dividends
  $250,000 3.358% 3.41% 180 Days Dividends
36 Month CD1 $1,000 3.494% 3.55% 270 Days Dividends
  $100,000 3.600% 3.66% 270 Days Dividends
  $250,000 3.600% 3.66% 270 Days Dividends
48 Month CD1 $1,000 3.590% 3.65% 360 Days Dividends
  $100,000 3.697% 3.76% 360 Days Dividends
  $250,000 3.697% 3.76% 360 Days Dividends
60 Month CD1 $1,000 3.639% 3.70% 450 Days Dividends
  $100,000 3.745% 3.81% 450 Days Dividends
  $250,000 3.745% 3.81% 450 Days Dividends
33 Month Bump Rate CD2 $1,000 3.494% 3.55% 270 Days Dividends
  $100,000 3.600% 3.66% 270 Days Dividends
  $250,000 3.600% 3.66% 270 Days Dividends
55 Month Bump Rate CD2 $1,000 3.639% 3.70% 450 Days Dividends
  $100,000 3.745% 3.81% 450 Days Dividends
  $250,000 3.745% 3.81% 450 Days Dividends
6 Month CD1
Minimum Balance$1,000
Dividend Rate*3.687%
APY3.75%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.793%
APY3.86%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.793%
APY3.86%
Early Withdrawal Penalty90 Days Dividends
12 Month CD1
Minimum Balance$1,000
Dividend Rate*3.494%
APY3.55%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty90 Days Dividends
18 Month CD1
Minimum Balance$1,000
Dividend Rate*3.348%
APY3.40%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.455%
APY3.51%
Early Withdrawal Penalty90 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.455%
APY3.51%
Early Withdrawal Penalty90 Days Dividends
24 Month CD1
Minimum Balance$1,000
Dividend Rate*3.251%
APY3.30%
Early Withdrawal Penalty180 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.358%
APY3.41%
Early Withdrawal Penalty180 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.358%
APY3.41%
Early Withdrawal Penalty180 Days Dividends
36 Month CD1
Minimum Balance$1,000
Dividend Rate*3.494%
APY3.55%
Early Withdrawal Penalty270 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty270 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty270 Days Dividends
48 Month CD1
Minimum Balance$1,000
Dividend Rate*3.590%
APY3.65%
Early Withdrawal Penalty360 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.697%
APY3.76%
Early Withdrawal Penalty360 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.697%
APY3.76%
Early Withdrawal Penalty360 Days Dividends
60 Month CD1
Minimum Balance$1,000
Dividend Rate*3.639%
APY3.70%
Early Withdrawal Penalty450 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.745%
APY3.81%
Early Withdrawal Penalty450 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.745%
APY3.81%
Early Withdrawal Penalty450 Days Dividends
33 Month Bump Rate CD2
Minimum Balance$1,000
Dividend Rate*3.494%
APY3.55%
Early Withdrawal Penalty270 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty270 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.600%
APY3.66%
Early Withdrawal Penalty270 Days Dividends
55 Month Bump Rate CD2
Minimum Balance$1,000
Dividend Rate*3.639%
APY3.70%
Early Withdrawal Penalty450 Days Dividends
 
Minimum Balance$100,000
Dividend Rate*3.745%
APY3.81%
Early Withdrawal Penalty450 Days Dividends
 
Minimum Balance$250,000
Dividend Rate*3.745%
APY3.81%
Early Withdrawal Penalty450 Days Dividends

APY= Annual Percentage Yield.  Rates and APY are subject to change without notice.  A penalty may be imposed for early withdrawal.

  • 1The minimum opening deposit for all certificates starts at $1,000.
  • 2IRAs are not eligible for Bump Rate Certificates.  Bump Rate  Certificates cannot be used as collateral on a Certificate Secured Loan.

Dividends are compounded monthly on all CDs.

Greater Personal Savings Learn More

Balance Minimum Opening Deposit Minimum Daily Balance to Obtain APY Dividend Rate* APY*
$0 - $2,499.99 $100 $0.01 0.250% 0.25%
$2,500 - $24,999.99 $100 $2,500 0.499% 0.50%
$25,000+ $100 $25,000 0.747% 0.75%
$0 - $2,499.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$0.01
Dividend Rate*0.250%
APY*0.25%
$2,500 - $24,999.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$2,500
Dividend Rate*0.499%
APY*0.50%
$25,000+
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$25,000
Dividend Rate*0.747%
APY*0.75%

Fees could reduce earnings.

Greater Personal Money Market Learn More

Balance Minimum Required Opening Deposit Dividend Rate* APY*
$500 $100 0.747% 0.75%
$10,000 $100 0.995% 1.00%
$500
Minimum Required Opening Deposit$100
Dividend Rate*0.747%
APY*0.75%
$10,000
Minimum Required Opening Deposit$100
Dividend Rate*0.995%
APY*1.00%

Fees could reduce earnings.

Free Business Checking Learn More

Balance Minimum Opening Deposit Minimum Daily Balance to Obtain APY Dividend Rate* APY*
$0.01+  $100 $0.01 0.4999% 0.50%

 

$0.01+ 
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$0.01
Dividend Rate*0.4999%
APY*0.50%

Greater Business Savings Learn More

Balance Minimum Opening Deposit Minimum Daily Balance to Obtain APY Dividend Rate* APY*
$2,500 - $24,999.99 $100 $2,500 0.995% 1.00%
$25,000 - $49,999.99 $100 $25,000 1.242% 1.25%
$50,000+ $100 $50,000 1.242% 1.25%
$2,500 - $24,999.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$2,500
Dividend Rate*0.995%
APY*1.00%
$25,000 - $49,999.99
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$25,000
Dividend Rate*1.242%
APY*1.25%
$50,000+
Minimum Opening Deposit$100
Minimum Daily Balance to Obtain APY$50,000
Dividend Rate*1.242%
APY*1.25%

*Rates and annual percentage yield may change after account opening.