Future you depends on you.
Start preparing for retirement today, with no fees and options to fit your future plans.
Benefits You’ll Love
- No fees to set up account
- Simple, effective preparation for retirement
- No monthly charges
- Competitive interest above standard savings rates
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance charges
- $6,000 contribution limit per year
- Additional $1,000 "catch-up" contribution allowed for ages 50+
- $1000 minimum deposit to open
Traditional and Roth IRAs both come with their own set of advantages. One of the biggest differences is the time at which taxes must be paid on your investment. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
Traditional IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59 ½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 73
Roth IRA
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59 ½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
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 CD 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 interest 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
Certificates of Deposit (CDs)
| Term | Interest Rate | APY |
|---|---|---|
| 3 Months | 1.00% | 1.01% |
| 6 Months | 3.25% | 3.30% |
| 12 Months | 3.10% | 3.15% |
| 18 Months | 3.00% | 3.05% |
| 24 Months | 3.00% | 3.05% |
| 30 Months | 3.00% | 3.05% |
| 36 Months | 3.00% | 3.05% |
Minimum deposit to open is $1,000. Penalty for early withdrawal.
Checking Accounts
| Account | Minimum Deposit To Open | Interest Rate | APY |
|---|---|---|---|
| Business Interest Checking | $1,000 | 0.05% | 0.05% |
Kasasa Cash*
| Balance | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 1.98% | 2.00% |
| $10,000+ | 0.15% | 2.00% to 0.32% |
| All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
That's it! If for some reason you don't qualify, you still earn the base interest rate. You can get back to earning the full rewards the very next monthly qualification cycle.
Kasasa Saver*
| Balance | Interest Rate | APY |
|---|---|---|
| 0 - $10,000 | 0.25% | 0.25% |
| $10,000+ | 0.15% | 0.25% to 0.16% |
| All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
And that's it! And if for some reason you don't qualify, you can still earn the base interest rate. You can get back to earning the full rewards the next monthly qualification cycle.
Loan Rates
Our rates are designed to meet several situations. Please call to discuss rates with one of our lenders.
Savings Accounts
| Account | Minimum Deposit To Open | Interest Rate | APY |
|---|---|---|---|
| Regular Savings | $100 | 0.10% | 0.10% |
| Youth Savings | $5 | 0.10% | 0.10% |
| Personal Money Market | $2,500 | 0.05% | 0.05% |
| Business Money Market | $2,500 | 0.05% | 0.05% |