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Rates

APY = Annual Percentage Yield. Rates effective as of April 10, 2017. Fees may reduce earnings.

To check out a particular rate, begin by selecting the state that applies to you: 

Rates in Illinois
Rates in Arizona

Kasasa Cash*

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $10,000 $100 1.98% 2.00%
$10,000+ $100 0.25% 0.41% to 2.00%
All balances if qualifications not met $100 0.05% 0.05%

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 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking 

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.

Kasasa Saver*

Balance Interest Rate APY
0 - $10,000 1.00% 1.00%
$10,000+ 0.25% 0.32% to 1.00%
Qualifications not met 0.05% 0.05%

Qualifications

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking 

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.

CD and IRA Rates

ProductsRequired Balance to Open
and Earn Stated APY
Interest Rate
as of 4/10/2017
APY2
91 Day $1,000 0.10% 0.10%
6 Month $1,000 0.25% 0.25%
9 Month $1,000 0.35% 0.35%
12 Month1 $1,000 0.50% 0.50%
18 Month1 $1,000 1.39% 1.40%
24 Month1 $1,000 1.39% 1.40%
30 Month1 $1,000 1.39% 1.40%
36 Month1 $1,000 1.39% 1.40%
42 Month1 $1,000 1.39% 1.40%
48 Month1 $1,000 1.49% 1.50%
60 Month1 $1,000 1.54% 1.55%

Our Jumbo Certificate of Deposit Rates change frequently. For more information on Jumbo CD rates, please contact your local branch manager, or Client Services at 888-498-9800.

1Products eligible for IRA; $500 minimum opening deposit. 
2Annual Percentage Yields are subject to change without notice. Penalty for early withdrawal applies.

Deposits

ProductsRequired Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 4/10/2017
APY2
Savings $100 0.05% 0.05%
Now Account $1,000 0.05% 0.05%
Personal Preferred Money Market (PPMM)
PPMM Tier 1 $2,500 - $14,999 0.05% 0.05%
PPMM Tier 2 $15,000 - $49,999 0.05% 0.05%
PPMM Tier 3 $50,000 - $99,999 0.10% 0.10%
PPMM Tier 4 $100,000 - $299,999 0.20% 0.20%
PPMM Tier 5 $300,000 - $999,999 0.25% 0.25%
PPMM Tier 6 $1,000,000 - $1,999,999 0.30% 0.30%
PPMM Tier 7 Over $2,000,000 0.35% 0.35%
Business Preferred Money Market (BPMM)
BPMM Tier 1 $5,000 - $14,999 0.05% 0.05%
BPMM Tier 2 $15,000 - $49,999 0.05% 0.05%
BPMM Tier 3 $50,000 - $99,999 0.10% 0.10%
BPMM Tier 4 $100,000 - $299,999 0.20% 0.20%
BPMM Tier 5 $300,000 - $999,999 0.25% 0.25%
BPMM Tier 6 $1,000,000 - $1,999,999 0.30% 0.30%
BPMM Tier 7 Over $2,000,000 0.35% 0.35%

1 All interest rates and account types subject to change without notice. Fees may reduce earnings. 2Annual Percentage Yield.

Kasasa Cash*

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $10,000 $100 1.98% 2.00%
$10,000+ $100 0.25% 0.41% to 2.00%
All balances if qualifications not met $100 0.05% 0.05%

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 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking 

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.

Kasasa Saver*

Balance Interest Rate APY
0 - $10,000 1.00% 1.00%
$10,000+ 0.25% 0.32% to 1.00%
Qualifications not met 0.05% 0.05%

Qualifications

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

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking 

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.

CD and IRA Rates

ProductsRequired Balance to Open
and Earn Stated APY
Interest Rate
as of 4/10/2017
APY2
91 Day $1,000 0.30% 0.30%
6 Month $1,000 0.40% 0.40%
9 Month $1,000 0.45% 0.45%
12 Month1 $1,000 0.65% 0.65%
18 Month1 $1,000 1.39% 1.40%
24 Month1 $1,000 1.39% 1.40%
30 Month1 $1,000 1.39% 1.40%
36 Month1 $1,000 1.39% 1.40%
42 Month1 $1,000 1.39% 1.40%
48 Month1 $1,000 1.49% 1.50%
60 Month1 $1,000 1.73% 1.75%

Our Jumbo Certificate of Deposit Rates change frequently. For more information on Jumbo CD rates, please contact your local branch manager, or Client Services at 888-498-9800.

1Products eligible for IRA; $500 minimum opening deposit. 
2Annual Percentage Yields are subject to change without notice. Penalty for early withdrawal applies.

Deposits

ProductsRequired Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 4/10/2017
APY2
Savings $100 0.15% 0.15%
Now Account $1,000 0.05% 0.05%
Personal Preferred Money Market (PPMM)
PPMM Tier 1 $2,500 - $14,999 0.05% 0.05%
PPMM Tier 2 $15,000 - $49,999 0.10% 0.10%
PPMM Tier 3 $50,000 - $99,999 0.15% 0.15%
PPMM Tier 4 $100,000 - $299,999 0.25% 0.25%
PPMM Tier 5 $300,000 - $999,999 0.30% 0.30%
PPMM Tier 6 $1,000,000 - $1,999,999 0.35% 0.35%
PPMM Tier 7 Over $2,000,000 0.40% 0.40%
Business Preferred Money Market (BPMM)
BPMM Tier 1 $5,000 - $14,999 0.05% 0.05%
BPMM Tier 2 $15,000 - $49,999 0.10% 0.10%
BPMM Tier 3 $50,000 - $99,999 0.15% 0.15%
BPMM Tier 4 $100,000 - $299,999 0.25% 0.25%
BPMM Tier 5 $300,000 - $999,999 0.30% 0.30%
BPMM Tier 6 $1,000,000 - $1,999,999 0.35% 0.35%
BPMM Tier 7 Over $2,000,000 0.40% 0.40%

1 All interest rates and account types subject to change without notice. Fees may reduce earnings. 2Annual Percentage Yield.