Personal Savings and Money Market

Kasasa Saver 

If you’re interested in our Kasasa Checking account, our Kasasa Saver account option is for you!

Here’s how it works: the high interest and ATM fee refunds you earn from your free Kasasa Checking are automatically transferred into Kasasa Saver each month. Even better, Kasasa Saver even earns its own high interest.

Earn 0.50% APY* on balances up to $50,000 when you meet the following monthly qualifications in your Kasasa Checking account:

  • Have at least 12 Debit Card Transactions (excluding ATM transactions) post and clear
  • Have at least 1 Direct Deposit or 1 ACH Auto Debit post and clear
  • Receive a Monthly Electronic Statement

Current Rewards customers wishing to upgrade to Kasasa, please contact your local Banking Center

 

See the grid below for a complete list of savings account options.

  Kasasa Saver Statement
Savings
Premium Money Market Account
Description This account is designed to help you save automatically with your Kasasa Checking account An account for traditional savings needs Earns higher interest rates according to your balance
Minimum Opening Deposit $100.00 $100.00 $2,500.00
Minimum Balance None $300.00 $2,500.00
Monthly Maintenance Fee (if below minimum) None $3.00 $15.00
Fee per Check Written/ Withdrawals Unlimited in person; restrictions may apply to other withdrawals Unlimited in person; restrictions may apply to other withdrawals Unlimited in person; restrictions may apply to other withdrawals
Earns Interest

Variable; to receive Kasasa Saver reward rates you must meet the minimum qualification requirements for

Kasasa Checking

Variable Variable based on balance
 

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Current Rewards customers wishing to upgrade to Kasasa, please contact your local Banking Center

 

 

“Disclosure”

*Interest Rates and APY The interest rate and APY that apply to your KASASA Saver account will be determined based on whether you have met the qualification criteria for your KASASA Checking account. When the KASASA Checking qualifications are not met, the interest rate on your KASASA Saver account will be 0.05% and the annual percentage yield will be 0.05%. When the KASASA Checking qualifications are met, the interest rate on your KASASA Saver account and corresponding annual percentage yield will be tiered. If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 0.4999% with an annual percentage yield of 0.50%. An interest rate on 0.25% will be paid only for the portion of your daily balance that is greater than $10,000.01. The annual percentage yield for this tier will range from 0.50%-0.25% depending on the balance in the account. Rates as of 01/13/17. The KASASA Checking APY is based on compounding interest. Please be aware that the interest earned in KASASA Checking is automatically transferred to KASASA Saver each statement cycle and does not compound. As a result, the actual interest amount paid for KASASA Checking may be less than the APY disclosed for that account. The KASASA Saver APY’s may be less than the KASASA Checking APY’s The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest are on your account at any time. Interest will be compounded on your KASASA Saver account on a monthly basis. Interest will be credited to your account of the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Qualifications To qualify for preferred rates on your “KASASA Saver” account, your KASASA Checking account must meet the following qualifications during the monthly qualification cycle: Have at least 12 debit card purchases post and clear Have at least 1 ACH transaction or direct deposit post and clear Receive eStatements Please note that transactions MUST post and clear to your KASASA Checking account during the monthly qualification cycle in order to receive the preferred rate on both the KASASA Checking and KASASA Saver accounts, and to receive ATM fee reimbursements in the KASASA Checking account. Transactions may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. The following transactions do not count toward account rewards: ATM-processed transactions, transfers between accounts, non-retail payment transactions, and purchases made with debit cards not issued by our Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. As indicated in the Trust in Savings disclosure for your KASASA Checking account, we will reimburse you for domestic ATM fees incurred in your KASASA Checking account if you have met your qualifications for the month. ATM fee reimbursements credited to your KASASA Checking account will be transferred to your KASASA Saver account automatically on the first business day following the day they were credited to your KASASA Checking account. Monthly Qualification Cycle and Monthly Statement Cycle Explanation “Monthly Qualification Cycle” means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your statement due to the one day (the last day) being calculated with the fighter preferred rate. Other Account Information You must deposit $100.00 to open this account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. You must have a KASASA Checking account in order to open a KASASA Saver account, and the KASASA checking account must remain open throughout the period that you hold the KASASA Saver account. In the event that you close your KASASA Checking account, we reserve the right to close your KASASA Saver account. The number of withdrawals or transfers from KASASA Saver that you make in-person, by mail or at an ATM are unlimited. During your statement cycle, you may also make up to six transfers or payments in the aggregate via pre-authorized withdrawals, telephone banking and online banking service, automatic transfers or at point of sale terminals using your ATM or debit card. These transactions are considered made on the date the transaction posts and clears your account, not the date the withdrawal request was initiated. See Fee Schedule for fees that apply to this account. Other Contract Terms To receive your monthly statement electronically, the following minimum computer hardware and software requirements must be met: One of the following operating systems: Windows XP, 2000 or Macintosh OSX. A secure session is established by using Secure Socket Layer (SSL) encryption and a compatible browser, such as; Internet Explorer 7.0, Netscape 7.2, Mozilla Firefox 1.0 or Safari 1.2. **Interest Rates, APY and Rewards The interest rate and APY that apply to your KASASA SAVER account will be determined based on whether you have met the qualification criteria for your KASASA CASH BACK checking account. When the KASASA CASH BACK Checking qualifications are not met, the interest rate on your KASASA SAVER account will be 0.05% and the annual percentage yield will be 0.05%. When the KASASA CASH BACK Checking qualifications are met, the interest rate on your KASASA SAVER account and corresponding annual percentage yield will be tiered. If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 0.4999% with an annual percentage yield of 0.50%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000.01. The annual percentage yield for this tier will range from 0.50% to 0.25% depending on the balance in the account. Rates as of 01/03/2017. When KASASA CASH BACK Checking qualifications are met during a monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 in PIN-based/signature-based debit card purchases that post and settle to the account during the qualification cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. KASASA CASH BACK checking payments will be credited directly to your KASASA SAVER on the last day of the current statement cycle. When KASASA CASH BACK checking qualifications are not met, no cash back payments are made. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest on your account at any time. Interest will be compounded on your KASASA SAVER account on a monthly basis. Interest will be credited to your account on the last day of the statement cycle. If you close your account before interest is credited, you will not receive the accrued interest. Interest begins to accrue on the business day you deposit noncash items (for example, checks). We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. Qualifications To qualify for preferred rates on your “KASASA SAVER” account, your KASASA CASH BACK checking account must meet the following qualifications during the monthly qualification cycle: Have at least 12 debit card purchases post and clear Have at least 1 ACH transaction or direct deposit post and clear Receive eStatements Please note that transactions MUST post and clear to your KASASA CASH BACK Checking account during the monthly qualification cycle in order to receive your KASASA CASH BACK checking rewards and the preferred rate on your KASASA SAVER account, and to receive ATM fee reimbursements for your KASASA CASH BACK checking account. Transactions may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more banking days from the date the transaction was made to post and clear an account. The following transactions do not count toward account rewards: ATM-processed transactions, transfers between accounts, non-retail payment transactions, and purchases made with debit cards not issued by our Bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. As indicated in the Truth in Savings disclosure for your KASASA CASH BACK checking account , we will reimburse you for domestic ATM fees incurred in your KASASA CASH BACK checking account if you have met your qualifications for the month. ATM fee reimbursement will be transferred to your KASASA SAVER account automatically on the last day of your statment cycle. If you have met your qualifications for the specified qualification cycle, we will reimburse you for all domestic ATM fees. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. If an individual ATM fee is $5.00 or higher, you must contact us for reimbursement, with your receipt within sixty (60) calendar days of the withdrawal transaction. Monthly Qualification Cycle and Monthly Statement Cycle Explanation “Monthly Qualification Cycle” means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the close of the current statement cycle. Your account will be automatically qualified on that one day prior to the first day of the current statement cycle. What this means for you is if you did not qualify for the higher preferred rate, you might notice a slightly higher than the base rate APY earned on your statement due to the one day (the last day) being calculated with the higher preferred rate. The qualification cycle is the 21st of the month through the 20th of the next month. The qualification cycle may end earlier if the 20th falls on a weekend or holiday. Other Account Information You must deposit $100 to open this account. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. You must have a KASASA CASH BACK checking account in order to open a KASASA SAVER account, and the KASASA CASH BACK checking account must remain open throughout the period that you hold the KASASA SAVER account. In the event that you close your KASASA CASH BACK checking account, we reserve the right to close your KASASA SAVER account. The number of withdrawals or transfers from KASASA SAVER that you make in-person, by mail or at an ATM are unlimited. During your statement cycle, you may also make up to six transfers or payments in the aggregate via per-authorized withdrawals, telephone banking and online banking services, automatic transfers or at point of sale terminals using your ATM or debit card. The transactions are considered made on the date he transaction posts and clears your account, not the date the withdrawal request was initiated. See Fee Schedule for fees that apply to this account. If you choose not to have electronic delivery of eStatements, your account will be converted to SENB Essential after three (3) monthly qualification cycles. Other Contract Terms To receive your monthly statement electronically, the following minimum computer hardware and software requirements must be met: One of the following operating systems: Windows XP, 2000 or Macintosh OSX. A secure session is established by using Secure Socket Layer (SSL) encryption and a compatible browser, such as; Internet Explorer 7.0, Netscape 7.2, Mozilla Firefox 1.0 or Safari 1.2.

 

CDs

Certificates of Deposit (CDs) are ideal for those in search of the security of fixed rates and a variety of terms. Take advantage of:

  • Interest rates compounded quarterly
  • Terms ranging from 91 days to 5 years
  • FDIC insured funds – Up to the maximum allowed by law

 

Buddy/Boomers Savings Account

An excellent, low-cost account sure to make saving fun for your little one. With this savings option you’ll enjoy:

  • Competitive interest rates
  • No service charge for children 18 years of age and younger
  • Fun extras, such as a membership card, a stuffed Bear or Buffalo for kids 12 years old and younger, and more!
  • Only $5 deposit required to open this account

 

HSA

Health Savings Account

If you are an adult currently covered by a high deductible health plan, who is without additional primary coverage and not a claimed dependent, consider establishing an HSA.

The benefits:

  • Tax deductible contributions – The contributions you make to an HSA to pay for current and future medical costs are tax-free. In 2017, an individual can contribute up to $3,450 and a family can save up to $6,900. People age 55 and older are allowed to save an additional $1,000 annually, totaling a savings limit of $4,450 each year for an individual and $7,900 for a family.
  • Continued growth of funds tax-free – Any money not spent for designated health care expenses rolls over to the next year and continues to grow tax-free.
  • Help build savings to cover unplanned health care costs or even the out-of-pocket health care expenses you are likely to have in retirement.