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Rates

APY = Annual Percentage Yield. Rates effective as of September 10, 2019. 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* Learn More

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $25,000 $100 2.472% 2.50%
$25,000+ $100 0.25% 0.70% to 2.50%
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* Learn More

Balance Interest Rate APY
0 - $100,000 1.19% 1.20%
$100,000+ 0.40% 0.80% to 1.20%
All balances if 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 Learn More

Products Required Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
CD Special $1,000 NA NA
91 Day $1,000 0.10% 0.10%
6 Month $1,000 0.20% 0.20%
9 Month $1,000 0.90% 0.90%
12 Month1 $1,000 1.49% 1.50%
18 Month1 $1,000 0.99% 1.00%
24 Month1 $1,000 1.24% 1.25%
30 Month1 $1,000 0.99% 1.00%
36 Month1 $1,000 1.29% 1.30%
42 Month1 $1,000 1.29% 1.30%
48 Month1 $1,000 1.49% 1.50%
60 Month1 $1,000 1.49% 1.50%

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

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
Savings $100 0.05% 0.05%
Now Account $1,000 0.05% 0.05%

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

Personal Preferred Money Market (PPMM) Learn More

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
PPMM Tier 1 $2,500 - $14,999 0.10% 0.10%
PPMM Tier 2 $15,000 - $49,999 0.25% 0.25%
PPMM Tier 3 $50,000 - $99,999 0.25% 0.25%
PPMM Tier 4 $100,000 - $299,999 0.55% 0.55%
PPMM Tier 5 $300,000 - $999,999 0.65% 0.65%
PPMM Tier 6 $1,000,000 - $1,999,999 0.75% 0.75%
PPMM Tier 7 Over $2,000,000 0.95% 0.95%

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

Business Preferred Money Market (BPMM) Learn More

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
BPMM Tier 1 $5,000 - $14,999 0.15% 0.15%
BPMM Tier 2 $15,000 - $49,999 0.25% 0.25%
BPMM Tier 3 $50,000 - $99,999 0.25% 0.25%
BPMM Tier 4 $100,000 - $299,999 0.55% 0.55%
BPMM Tier 5 $300,000 - $999,999 0.65% 0.65%
BPMM Tier 6 $1,000,000 - $1,999,999 0.75% 0.75%
BPMM Tier 7 Over $2,000,000 0.95% 0.95%

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

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit Interest Rate APY
$0 - $25,000 $100 2.472% 2.50%
$25,000+ $100 0.25% 0.70% to 2.50%
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* Learn More

Balance Interest Rate APY
0 - $100,000 1.19% 1.20%
$100,000+ 0.40% 0.80% to 1.20%
All balances if aualifications 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 Learn More

Products Required Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
CD Special $1,000 NA NA
91 Day $1,000 0.10% 0.10%
6 Month $1,000 0.20% 0.20%
9 Month $1,000 0.75% 0.75%
12 Month1 $1,000 1.49% 1.50%
18 Month1 $1,000 0.99% 1.00%
24 Month1 $1,000 1.24% 1.25%
30 Month1 $1,000 0.99% 1.00%
36 Month1 $1,000 1.29% 1.30%
42 Month1 $1,000 1.29% 1.30%
48 Month1 $1,000 1.49% 1.50%
60 Month1 $1,000 1.49% 1.50%

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

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
Savings $100 0.10% 0.10%
Now Account $1,000 0.05% 0.05%

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

Personal Preferred Money Market (PPMM) Learn More

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
PPMM Tier 1 $2,500 - $14,999 0.15% 0.15%
PPMM Tier 2 $15,000 - $49,999 0.30% 0.30%
PPMM Tier 3 $50,000 - $99,999 0.30% 0.30%
PPMM Tier 4 $100,000 - $299,999 0.55% 0.55%
PPMM Tier 5 $300,000 - $999,999 0.65% 0.65%
PPMM Tier 6 $1,000,000 - $1,999,999 0.75% 0.75%
PPMM Tier 7 Over $2,000,000 0.95% 0.95%

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

Business Preferred Money Market (BPMM) Learn More

Products Required Daily Balance to Open
and Earn Stated APY
Interest Rate
as of 09/10/2019
APY2
BPMM Tier 1 $5,000 - $14,999 0.30% 0.30%
BPMM Tier 2 $15,000 - $49,999 0.30% 0.30%
BPMM Tier 3 $50,000 - $99,999 0.30% 0.30%
BPMM Tier 4 $100,000 - $299,999 0.55% 0.55%
BPMM Tier 5 $300,000 - $999,999 0.65% 0.65%
BPMM Tier 6 $1,000,000 - $1,999,999 0.75% 0.75%
BPMM Tier 7 Over $2,000,000 0.95% 0.95%

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