| Minimum to Open | Minimum to Earn Dividends | Dividend Rate | APY* | |
|---|---|---|---|---|
| KASASA Cash (Up to $10,000) | $25 | $0 | 2.472% | 2.50% |
| KASASA Cash ($10,001 and up*) | $25 | $0 | .250% | .25% |
| KASASA Cash (Non-qualifying) | $25 | $0 | .010% | .01% |
| Health Savings Account / HSA Checking | $25 | $100 | .995% | 1.00% |
| Traditional Checking, Student Checking | $25 | $500 | .050% | .05% |
| Prestige Checking | $2,500 | $2,500 | .100% | .10% |
| Reward Checking, Free Checking, and Flexible Checking | $25 | N/A | N/A | N/A |
| Minimum to Open | Minimum to Earn Dividends | Dividend Rate | APY* | |
|---|---|---|---|---|
| Savings Account (Share Savings) | $25 | $500 | .050% | .05% |
| Christmas and Vacation Club | $5 | $100 | .100% | .10% |
| Kids Club and Smart Start Club | $25 | $25 | .100% | .10% |
| Kasasa® Saver (Up to $20,000) | $0 | $0 | .747% | .75% |
| Kasasa® Saver ($20,001 and up*) | $0 | $0 | .250% | .25% |
| Kasasa® Saver (Non-qualifying) | $0 | $0 | .010% | .01% |
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Month Certificate | .200% | .20% |
| 7 Month Promotional Certificate** | .698% | .70% |
| 12 Month Promotional Certificate** | 1.982% | 2.00% |
| 1 Year Certificate | .300% | .30% |
| 18 Month Promotional Certificate** | 2.521% | 2.55% |
| 18 Month Certificate | .349% | .35% |
| 24 Month Promotional Certificate** | 2.813% | 2.85% |
| 2 Year Certificate | .399% | .40% |
| 36 Month Promotional Certificate* | 2.911% | 2.95% |
| 3 Year Certificate | .399% | .40% |
| 4 Year Certificate | .698% | .70% |
| 60 Month Promotional Certificate** | .995% | 1.00% |
| 60 Month Promotional Certificate>10K**^ | 2.960% | 3.00% |
| 5 Year Certificate | .995% | 1.00% |
Minimum deposit required to open and earn dividends on Term Share Certificates is $1,000
*Annual Percentage Yield (APY) rates are effective as of 01/15/19. All rates are subject to change without notice. **Indicates rates are for New Money of $1,000 only. 7-Month Certificate will renew for a 6 Month term at the regular rate. **^Rate is valid for accounts with a minimum deposit requirement of $10,000.
| Term | Dividend Rate | APY* |
|---|---|---|
| 1 Year Certificate | .399% | .40% |
| 18 Month Certificate | .449% | .45% |
| 2 Year Certificate | .499% | .50% |
| 3 Year Certificate | .499% | .50% |
| 4 Year Certificate | .797% | .80% |
| 5 Year Certificate | 1.094% | 1.10% |
Minimum deposit required to open and earn dividends on Mini-Jumbo Certificates is $50,000. Maximum deposit is $98,999.99.
| Term | Dividend Rate | APY* |
|---|---|---|
| 1 Year Certificate | .499% | .50% |
| 18 Month Certificate | .549% | .55% |
| 2 Year Certificate | .598% | .60% |
| 3 Year Certificate | .598% | .60% |
| 4 Year Certificate | .896% | .90% |
| 5 Year Certificate | 1.193% | 1.20% |
Minimum deposit required to open and earn dividends on Jumbo Certificates is $99,000.
| Dividend Rate | APY* | |
|---|---|---|
| 7 Month Promotional IRA Certificate** | .698% | .70% |
| 12 Month Promotional IRA Certificate ** | 1.982% | 2.00% |
| 18 Month Promotional IRA Certificate** | 2.521% | 2.55% |
| 24 Month Promotional IRA Certificate** | 2.813% | 2.85% |
| 36 Month Promotional IRA Certificate** | 2.911% | 2.95% |
| 3 Year Certificate | .399% | .40% |
| 4 Year Certificate | .698% | .70% |
| 60 Month Promotional IRA Certificate > 10K**^ | 2.960% | 3.00% |
Minimum deposit of $250 is required to open an IRA Term Share Certificate. An average daily balance of $500 is required to earn dividends. *Annual Percentage Yield (APY) rates are effective as of 01/15/19. All rates are subject to change without notice. **Indicates rates are for New Money of $1,000 only. 7-Month Certificate will renew for a 6 Month term at the regular rate. **^Rate is valid for accounts with a minimum deposit requirement of $10,000. Other terms and rates available including ROTH IRA Term Share Certificates and Coverdell Certificates.
| Minimum to Earn Dividend | Dividend Rate | APY* |
|---|---|---|
| $25 to $4,999.99 | .050% | .05% |
| $5,000 to $9,999.99 | .050% | .05% |
| $10,000 to $24,999.99 | .050% | .05% |
| $25,000 to $49,999.99 | .050% | .05% |
| $50,000 and up | .050% | .05% |
Minimum deposit of $25 is required to open an IRA Savings Account. An average daily balance of $25 is required to earn dividends.
| Minimum to Earn Dividend | Dividend Rate | APY* |
|---|---|---|
| $1,000 to $9,999.99 | .050% | .05% |
| $10,000 to $24,999.99 | .100% | .10% |
| $25,000 to $299,999.99 | .150% | .15% |
| $300,000 and up | .200% | .20% |
Minimum deposit of $1,000 required to open a Money Market Account. Fees may reduce earnings.
Have questions? We’re happy to help. Click here to contact us by email or call 214.742.6551.
Open an Account Contact Us Find a Branch
*Annual Percentage Yield (APY) rates are effective as of 10/17/2018. All rates are subject to change without notice.