Rates

Find the checking and savings account interest rates that lets your balance work the hardest for you.

Personal Checking Account Rates

Effective as of 07 / 08 / 2025


Account	Minimum Opening Balance	Interest Rate	Annual Percentage Yield (APY)¹	Minimum Daily Average Balance to Earn Interest	Compounding & Crediting Frequency
Kasasa Cash Checking®²	$100			$0
$0 – $10,000.00		4.89%	5.00%		Monthly
$10,000.01 +		0.70%	5.00% – 1.09%		Monthly
If qualifications are not met		0.05%	0.05%		Monthly
Kasasa Cash Back®	$100	N/A	N/A	$0	N/A
Highland Checking	$100	N/A	N/A	N/A	N/A
Interest Checking	$100	0.15%	0.15%	$1,000	Monthly
Relationship Checking	$100	0.20%	0.20%	$500	Monthly

¹The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings. ²Qualifications for higher interest rate: Must have at least 12 debit card purchases posted and settled and must have at least one ACH transaction (debit or credit) per statement/qualifying cycle. APY on tiers may vary based on balances maintained. If qualifications are not met, interest rate/yield will revert to .01% on all balances. Enrolled in e-statements is a condition of the account.

Personal Savings Account Rates

Effective as of 07 / 08 / 2025


Account	Minimum Opening Balance	Interest Rate	Annual Percentage Yield (APY)¹	Minimum Daily Available Balance to Earn Interest	Compounding and Crediting of Interest
Premier Money Market Savings	$1,000			$0
$0 – $9,999.99		0.90%	0.90%		Monthly
$10,000 – $24,999.99		1.10%	1.11%		Monthly
$25,000 – $49,999.99		1.15%	1.16%		Monthly
$50,000 – $99,999.99		1.25%	1.26%		Monthly
$100,000 – $249,999.99		1.50%	1.51%		Monthly
$250,000 – $999,999.99		1.65%	1.66%		Monthly
$1,000,000 – $2,499,999.99		1.75%	1.76%		Monthly
$2,500,000 – $4,999,999.99		1.80%	1.81%		Monthly
$5,000,000+		1.85%	1.87%		Monthly
Money Market Savings	$1,000			$0
Under $1,000		0.70%	0.70%		Monthly
$1,000+		0.95%	0.95%		Monthly
Statement Savings	$200	0.20%	0.20%	$0	Quarterly
Kasasa Saver²	$100			$0
$0 – $100,00.00		2.96%	3.00%		Monthly
$100,000.01+		0.50%	3.00% – 1.75%		Monthly
All balances if qualifications are not met		0.05%	0.05%		Monthly
IRA Money Market Savings	$1000			$1,000
under $1,000		n/a	n/a
$1,000 – $9,999.99		0.15%	0.15%		Quarterly
$10,000 – $24,999.99		0.25%	0.25%		Quarterly
$25,000 – $49,999.99		0.50%	0.50%		Quarterly
$50,000 – $99,999.99		1.00%	1.00%		Quarterly
$100,000 – $249,999.99		1.25%	1.26%		Quarterly
$250,000+		1.40%	1.41%		Quarterly

¹The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the average daily balance method to calculate interest on your account. This method applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Fees may reduce earnings. ²Must be opened in conjunction with a Kasasa Cash or Kasasa Cash Back checking account. Qualifications for checking account must be met to receive higher interest rate. APY on tiers may vary based on balances maintained. If qualifications are not met, interest rate/yield will revert to .01% on all balances.

Kasasa Monthly Qualification and Statement Cycles