Rates

Earn high dividends automatically — just link to your Kasasa® checking.

Details
  • Free account that builds your savings effortlessly
  • Links to your free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.50% APY1 on balances up to $25,000
  • 0.50% to 0.30% APY on balances over $50,000 depending on balance in account1
  • 0.05% APY1 if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • $25 minimum deposit to open

Qualifying is a snap!

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 in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

1Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the first business day of the following month. Kasasa Saver: Balances up to $50,000 receive APY of 0.50%; and balances over $50,000 earn 0.1998% interest rate on the portion of balance over $50,000, resulting in a range from 0.50% to 0.20% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY of 2.25%; and balances over $25,000 earn 0.1998% interest rate on the portion of balance over $25,000 resulting in a non-compounding range from 2.25% to .61% APY depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up-to a total of $400 PIN-based or signature-based debit card purchases that post and settle to the account during that Monthly Qualification Cycle. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Cash and Kasasa Cash Back: You will also receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. To receive the above rewards, you must access your Kasasa Cash or Kasasa Cash Back account through ehccu-online banking, Mobile eBanking or text banking at least once during the Monthly Qualification Cycle and conduct at least 12 posted PIN-based or signature-based debit card merchant transactions during the Monthly Qualification Cycle. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. When qualifications are not met, Kasasa Saver: All balances earn .05% APY. Kasasa Cash: all balances in the account earn .05% APY, Kasasa Cash Back: No cash back payments are made. Kasasa Cash and Kasasa Cash Back: ATM withdrawal fees are not reimbursed. When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since those dividends are automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. “Monthly Qualification Cycle” means the current Statement Cycle. “Statement Cycle” means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month. Failure to maintain monthly enrollment in eStatements will require the closure of your Kasasa account(s). There is no minimum balance required to obtain the advertised annual percentage yields on the above Kasasa accounts, but a $25 minimum deposit is required to open a Kasasa Saver, Kasasa Cash or Kasasa Cash Back account. Limit 1 Kasasa Checking account per social security number. APY = Annual Percentage Yield. APYs accurate as of 5/15/2017.