APY = Annual Percentage Yield. Rates effective as of March 13, 2017. Fees may reduce earnings.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $15,000 $50 1.70% 1.71%
$15,000+ $50 0.12% 1.71% to 0.36%
All balances if qualifications not met $50 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, 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 Debit MasterCard® point of sale purchases post and settle
  • Have at least 1 Direct Deposit or automatic payment (ACH) debit post and settle
  • Be enrolled and review Online Statements via Online Banking (a valid email address is required)

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver* See Details

Balance Minimum Required Opening Deposit Interest Rate APY
0 - $20,000 $50 0.50% 0.50%
$20,000+ $50 0.12% 0.50% to 0.31%
Qualifications not met $50 0.01% 0.01%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 Debit MasterCard® point of sale purchases post and settle
  • Have at least 1 Direct Deposit or automatic payment (ACH) debit post and settle
  • Be enrolled and review Online Statements via Online Banking (a valid email address is required)

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.

Deposit Rates - Ohio & Michigan

Certificates of Deposit (Ohio & Michigan) See Details

Term Minimum Balance APY
91 day $2,500 0.04%
$25,000 0.08%
$100,000 0.14%
182 day $2,500 0.07%
$25,000 0.12%
$100,000 0.17%
12 month $2,500 0.21%
$25,000 0.26%
$100,000 0.33%
15 month $2,500 0.21%
$25,000 0.26%
$100,000 0.33%
18 month $1,000 0.26%
$25,000 0.29%
$100,000 0.36%
24 month $2,500 0.29%
$25,000 0.32%
$100,000 0.39%
30 month $2,500 0.31%
$25,000 0.34%
$100,000 0.39%
36 month $2,500 0.41%
$25,000 0.46%
$100,000 0.51%
48 month $2,500 0.61%
$25,000 0.65%
$100,000 0.69%
60 month $2,500 1.52%
$25,000 1.66%
$100,000 1.75%
Perks IRA CD - 20 Month $2,500 1.27%

Substantial penalty for early withdrawal on these accounts.

Certificate of Deposit Special (Ohio & Michigan)

Term Minimum Balance APY
32 month - F&M Checking relationship required $2,000 1.12%
$10,000 1.36%

Substantial penalty for early withdrawal on these accounts.

Deposit Rates - Indiana

Certificates of Deposit (Indiana) See Details

Term Minimum Balance APY
91 day $2,500 0.04%
$25,000 0.08%
$100,000 0.14%
182 day $2,500 0.18%
$25,000 0.23%
$100,000 0.28%
12 month $2,500 0.31%
$25,000 0.36%
$100,000 0.43%
15 month $2,500 0.31%
$25,000 0.36%
$100,000 0.43%
18 month $1,000 0.40%
$25,000 0.43%
$100,000 0.50%
24 month $2,500 0.54%
$25,000 0.57%
$100,000 0.64%
30 month $2,500 0.54%
$25,000 0.57%
$100,000 0.64%
36 month $2,500 0.76%
$25,000 0.81%
$100,000 0.86%
48 month $2,500 1.17%
$25,000 1.21%
$100,000 1.25%
60 month $2,500 1.52%
$25,000 1.66%
$100,000 1.75%
Perks IRA CD - 20 Month $2,500 1.27%

Substantial penalty for early withdrawal on these accounts.

Certificate of Deposit - Special (Indiana)

Term Minimum Balance APY
32 month - F&M checking relationship required $2,000 1.12%
$10,000 1.36%

Substantial penalty for early withdrawal on these accounts.