Boost your checking with interest.
Earn interest on your balance while having the flexibility to access it anytime, without limits.
Benefits You’ll Love
- Interest bearing account*
- Free digital banking
- Unlimited access to funds
- No minimum balance
- Interest bearing account*
- ATM fee refunds**
- Check and debit card buy back**
- No monthly charge
- No minimum balance
- No minimum balance to earn interest
- Unlimited check writing
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free paperless E-Statements
- Free debit card
- Unlimited telephone banking
- Check images with statements
- Direct deposit available
- $50 to open
- FDIC insured
- Overdraft and NSF fees may apply
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*APR=Annual Percentage Yield. APY accurate as of 11/23/2020. The interest rate is 0.20% with an annual percentage yield of 0.20%. Rates subject to change. Minimum to open is $50. Direct deposit and/or automatic ACH required to open account. No minimum balance required to earn interest. Overdraft and NSF Fees may apply and could reduce earnings.
**Up to 3 foreign ATM fees refunded per cycle when receipts are submitted at branch. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Ask banker for details.
Important Memo regarding your account: The Bank reserves the right for any reason in the Bank's sole discretion, with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any item presented for payment against the closed Account, without liability to any party.
For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email to [email protected]
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
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Six Month | $2,500.00 | At Maturity | 3.50% | 3.53% |
| One Year | $1,000.00 | Monthly | 3.00% | 3.04% |
| Eighteen Month | $1,000.00 | Monthly | 3.00% | 3.04% |
| Two Years | $1,000.00 | Monthly | 2.50% | 2.53% |
| Three Years | $1,000.00 | Quarterly | 0.95% | 0.95% |
| Four Years | $1,000.00 | Quarterly | 0.85% | 0.85% |
| Five Years | $1,000.00 | Quarterly | 0.75% | 0.75% |
Penalty for early withdrawal may apply.
Deposit Accounts
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Savings | $100 | Quarterly | 0.25% | 0.25% |
| Interest Checking | $50 | Monthly | 0.20% | 0.20% |
| Business Interest Checking | $50 | Monthly | 0.20% | 0.20% |
These accounts bear interest under a variable rate, which can be changed at any time. Changes in the rate will be posted in the Bank's lobby.
Health Savings Account
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Health Savings Account (HSA) | $100.00 | Monthly | 0.01% | 0.01% |
Minimum balance fees could reduce interest earnings.
Individual Retirement Accounts
| Account Type | Minimum Deposit | Compounding | Rate | APY |
|---|---|---|---|---|
| Twelve Month IRA | $500.00 | Monthly | 3.00% | 3.04% |
| Eighteen Month IRA | $500.00 | Monthly | 3.00% | 3.04% |
| Twenty-Four Month IRA | $500.00 | Monthly | 2.50% | 2.53% |
Some of the accounts listed may require a minimum daily balance and/or impose a penalty for early withdrawal.
Contact a new account representative for further information about applicable fees and terms.
Kasasa Cash*
| Balance | Minimum Deposit | Rate | APY |
|---|---|---|---|
| $0 - $10,000.00 | $50 | 4.889% | 5.00% |
| $10,000.01 + | $50 | 0.499% | 5.00% - 0.95% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications
In order to receive the rewards, simply do the following each monthly qualification cycle:
- Have at least 15 debit card purchases (excluding ATM) post to and settle each cycle (This means using your debit card for all your typical everyday expenditures).
- Be enrolled and receive e-statement notice
If you don't meet the qualifications, don't worry. There is no penalty and you still have a free checking account that earns our base rate of interest. Plus, you can get back to earning huge interest and receiving nationwide ATM fee refunds the very next qualification cycle!
Kasasa Saver*
| Balance | Minimum Deposit | Rate | APY |
|---|---|---|---|
| $0 - $100,000.00 | $100 | 1.499% | 1.50% |
| $100,000.01 + | $100 | 0.499% | 1.50% - 1.00% |
| All balances if qualifications not met | $100 | 0.05% | 0.05% |
Qualifications
It's easy to qualify — and qualifying for the Kasasa Cash rewards automatically qualifies you for the Kasasa Saver reward rate too. Simply do the following each monthly qualification cycle:
- Have at least 15 debit card purchases post and settle (to your Kasasa Cash account)
- Be enrolled and receive e-statement notice
If you don't qualify one month, don't worry! Both accounts still earn our base interest rate. And you can get back to earning the full rewards the next month you qualify.