Kasasa Cash is simplified checking with Texas-sized dividends. Use this totally free account to grow your balance with easy to earn rewards and high dividend rates.
Key Features
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Really High Dividends
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Refunds on ATM Withdrawal Fees*
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No Monthly Maintenance Fee
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No Minimum Balance Requirements
Really High Dividends
Refunds on ATM Withdrawal Fees*
No Monthly Maintenance Fee
No Minimum Balance Requirements
- Free checking that pays high dividends
- 5.00% APY* on balances up to $10,000
- 5.00% to 1.36% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Unlimited check writing
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with remote deposit
- Free eStatements & eNotices
- Free Visa® debit card
- Access your money at thousands of surcharge-free ATMs
- $25 minimum deposit to open
Getting your rewards is easy!
It's so easy to qualify, 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 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
That's it! And even if you don't qualify, there's still no monthly service fee and you still earn interest at the base rate. Plus, you can get back to earning the huge rewards the very next monthly qualification cycle!
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*APY=Annual Percentage Yield. APYs accurate as of 09/01/2023. Rates may change after account is opened. Minimum to open is $25 for Kasasa Cash and $5 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the first business day of the next monthly statement cycle; (2) balances up to $10,000 receive APY of 5.00%; and (3) balances over $10,000 earn 1.00% dividend rate on the portion of the balance over $10,000, resulting in 5.00% - 1.36% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividends amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5 or higher.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Farm Equipment (New or Pre-owned)*
| Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|
| 100% of purchase price; maximum amount not to exceed 72 months | 1 - 72 months | 8.05% - 18.00% |
*Effective 10/01/2024.
Home Equity*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 5 years | as low as 6.30% - 11.60% |
| 7 years | as low as 6.80% - 12.10% |
| 10 years | as low as 7.30% - 12.60% |
| 15 years | as low as 7.55% - 12.85% |
| 20 years | as low as 7.80% - 13.10% |
*The rates charged on your loan are determined according to your credit history as reported by Experian. Your rate may differ from that of another member on the same type of loan. Home Equity Loan property must be located within a 200-mile radius of a branch location. Effective 10/01/2024.
IRA Savings
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular, Roth & Educational | 0.499% | 0.50% |
IRA Term Share Certificate
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.28% | 2.30% |
| 1 year | $1,000 | 3.55% | 3.60% |
| 2 years | $1,000 | 3.84% | 3.90% |
| 3 years | $1,000 | 3.55% | 3.60% |
| 4 years | $1,000 | 3.16% | 3.20% |
Penalty for early withdrawal.
Effective 05/01/2024.
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $10,000 | 4.889% | 5.00% |
| Over $10,000 | 0.995% | 5.00% to 1.36% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $20,000 | 1.982% | 2.00% |
| Over $20,000 | 0.995% | 1.17% to 2.00% |
| If qualifications are not met | 0.05% | 0.05% |
Effective 09/01/23. By qualifying for Kasasa Cash or Kasasa Cash Back, you automatically qualify for Kasasa Saver! Just make sure to do the following each monthly qualification cycle:
- Have at least 12 check card purchases post and settle
- Enroll and receive e-statement notice
- Be enrolled and log into online banking
Lifestyle Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 12.24% - 18.00% |
APR for Balance Transfers
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
APR for Cash Advances
| Lifestyle | |
|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | |
| 14.24% - 18.00% |
Money Market (First Fund)*
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $2,499.99 | 0.35% | 0.35% |
| $2,500 - $24,999.99 | 0.99% | 1.00% |
| $25,000 - $49,999.99 | 1.09% | 1.10% |
| $50,000 - $99,999.99 | 1.24% | 1.25% |
| $100,000 - $249,999.99 | 1.98% | 2.00% |
| $250,000 and Greater | 2.23% | 2.25% |
*Minimum balance is $2,500 to earn the higher interest rate. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. First Fund (Money Market) has the following transaction limitations: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to a third party on any month, and no more than three (3) of these six (6) may be made by check, draft, or debit to a third party. Going over the withdrawal limits (more than three made by check, and or more than six total) may result in a $5 fee per item.
New Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 5.54% - 18.00% |
| 37 - 48 months | as low as 5.69% - 18.00% |
| 49 - 66 months | as low as 5.84% - 18.00% |
| 67 - 72 months | as low as 5.84% - 18.00% |
| 73 - 84 months | as low as 6.84% - 11.09% |
Term available based on credit score. Effective 10/01/2024.
New Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 36 months | as low as 7.04% - 18.00% |
| 37 - 48 months | as low as 7.19% - 18.00% |
| 49 - 66 months | as low as 7.34% - 18.00% |
| 67 - 72 months | as low as 7.34% - 18.00% |
| 73 - 84 months | as low as 8.34% - 12.59% |
*Effective 10/01/2024. Term available based on credit score.
Personal Loans*
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Small Dollar Personal Loan | $800 and Below | 1 - 6 months | 13.75% - 28.00% |
| Personal | $801 - $30,000 | 1 - 84 months | 11.50% - 18.00% |
| Line of Credit / Overdraft Line of Credit | $1 - $30,000 | 1 - 72 months | 11.50% - 18.00% |
*Small personal loans of $800 or less will incur a $20 application fee.
Pre-owned Autos*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('15 & older) | as low as 5.84% - 18.00% |
| 24 - 30 months ('16 - '17) | as low as 5.84% - 18.00% |
| 36 - 42 months ('18 - '19) | as low as 5.84% - 18.00% |
| 48 - 60 months ('20 - '21) | as low as 5.84% - 18.00% |
| 60 - 72 months ('22 - '24) | as low as 5.84% - 18.00% |
*Classic Auto may be financed up to 24 months, or longer with approval from President
*Auto Refinance (External) - 2% lower than current interest rate to a floor of 5.84% with $5,000.00 or more financed.
*Fill in the GAP - What if the unexpected happened to your vehicle? Did you know that if your vehicle is stolen or totaled, you are still liable to pay the difference between your insurer's settlement and your loan balance? This "gap" unfortunately comes out of your pocket and could cost you thousands of dollars.
*If the term of the loan is extended, rates may be subject to a 1% APR increase.
*The rates charged on your loans are determined according to your credit history as reported by Experian. Your rate may be different from that of another member on the same type of loan.
*Used Autos: 6,000+ miles or have been titled. 100% NADA Retail to qualified borrowers.
*Effective 10/01/2024
Pre-owned Rec Vehicles*
| Maximum Term | Annual Percentage Rate |
|---|---|
| 1 - 18 months ('15 & older) | as low as 7.34% - 18.00% |
| 24 - 30 months ('16 - '17) | as low as 7.34% - 18.00% |
| 36 - 42 months ('18 - '19) | as low as 7.34% - 18.00% |
| 48 - 60 months ('20 - '21) | as low as 7.34% - 18.00% |
| 60 - 72 months ('22 - '24) | as low as 7.34% - 18.00% |
| Jet Skis | Same as Personal Rates |
*100-120% NADA Retail to qualified borrowers. Recreational vehicle refinance (external) is 2% lower than current interest rate to a floor of 7.34% with $5,000.00 or more financed. Effective 10/01/2024.
Prestige Draft Accounts
| Balance | Dividend Rate | APY |
|---|---|---|
| $500 - $2,499.99 | 0.150% | 0.15% |
| $2,500 - $14,999.99 | 0.349% | 0.35% |
| $15,000 and Greater | 0.499% | 0.50% |
Share Accounts*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Regular Share Account* | 0.350% | 0.35% |
| Dream Savings* (Monthly) | 0.350% | 0.35% |
| Dream Club (Monthly) | 0.350% | 0.35% |
Regular Share Account minimum balance is $5.00. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance. Interest is credited the last day of March, June, September, and December.
Dream Savings Accounts are those called -- for example -- Special Savings, Vacation, Wedding, or any name you have given us to recognize the account as a special savings account. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month.
Dream Club Accounts are designed to save for year-end or holiday expenses. Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid monthly on the daily balance. Interest is paid on the last day of the month. Every November, the full balance of account is withdrawn and paid to the member. The account remains open for continued savings into the next year.
*Regular Share Account allows four (4) free withdrawals per month. A $3.00 fee will be charged for each withdrawal over four (4) per month.
Share Draft Accounts
| Account Type | Dividend Rate | APY |
|---|---|---|
| Super Saver Checking | 0.050% | 0.05% |
| Student Checking | 0.050% | 0.05% |
Share Secured Loans
| Type | Maximum Amount | Maximum Term | Annual Percentage Rate |
|---|---|---|---|
| Secured w/Savings | Total of Share Balance | 1 - 24 months | 4.75% - 10.75% |
| Secured w/Savings | Total of Share Balance | 25 - 60 months | 5.25% - 11.25% |
| Secured w/ Certificate | Face amount of Certificate | 1 - 120 months | 2% above yield |
Term Share Certificate*
| Term | Minimum | Dividend Rate | APY |
|---|---|---|---|
| 6 months | $1,000 | 2.28% | 2.30% |
|
7 months* Jumbo Special |
$100,000 to open and maintain | 4.09% | 4.15% |
| 1 year | $1,000 | 3.55% | 3.60% |
| 13 months* | $1,000 | 4.18% | 4.25% |
| 2 years | $1,000 | 3.84% | 3.90% |
| 25 months* | $1,000 | 4.18% | 4.25% |
| 3 years | $1,000 | 3.55% | 3.60% |
| 4 years | $1,000 | 3.16% | 3.20% |
| 5 years | $1,000 | 3.45% | 3.50% |
| JUMBO* | $100,000 | See Below |
Penalty for early withdrawal. Regular term share certificates of 24, 36, 48, or 60 months duration are eligible to adjust to higher current rate one time during length of certificate term, excluding special non-renewable terms of 13, and 25 months.
JUMBO term share certificates pay +0.25% added to APY on selected terms above (example: 1 year APY 3.60%, JUMBO would pay 3.85% APY). Effective 10/01/24.
* Non-renewable.
VISA Credit Card
Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 12.24% - 18.00% | 14.24% - 18.00% | 16.74% |
APR for Balance Transfers
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 14.24% - 18.00% | 16.24% - 18.00% | 18.00% |
APR for Cash Advances
| Premium/Lifestyle | Rewards | Secured |
|---|---|---|
| 8.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following: | ||
| 14.24% - 18.00% | 16.24% - 18.00% | 18.00% |
Rate effective 10/01/2024
Youth Savings*
| Account Type | Dividend Rate | APY |
|---|---|---|
| Kirby Kangaroo* (age 0-12) | 0.350% | 0.35% |
| Youth Account (age 13-17) | 0.350% | 0.35% |
| TUTMA Savings (birth-21) | 0.350% | 0.35% |
*Child must be present to recieve Kirby Kangaroo prize. One prize per child each day.
Kirby Kangaroo and Youth Accounts - $5 deposit to open; $5 balance to avoid account closure; and $25 average daily balance to obtain disclosed annual percentage yield.
TUTMA Savings - $5 deposit to open; $5 balance to avoid account closure; and $100 average daily balance to obtain disclosed annual percentage yield.