Savings that grows on you.
4.10% APY, compounding daily, with no minimum balance and no fee to take your money out.
Ways to save
Pick how hard your money works.
High-Yield Savings
Our best everyday rate. Take money out any time, no fees, no minimum.
Money Market
A higher balance account with check writing, for money you dip into now and then.
Certificates
Lock in a rate for 6 to 36 months and earn more for leaving it alone.
Certificates for later
Today's rates
What your savings earns.
| Account | Minimum | Rate |
|---|---|---|
| High-Yield SavingsFeatured | $0 | 4.10% APY |
| Kasa Checking | $500 direct deposit | 1.25% APY |
| Money Market | $2,500 | 3.20% APY |
| Everyday Checking | $0 | 0.00% APY |
High-Yield SavingsFeatured
- Minimum
- $0
- Rate
- 4.10% APY
Kasa Checking
- Minimum
- $500 direct deposit
- Rate
- 1.25% APY
Money Market
- Minimum
- $2,500
- Rate
- 3.20% APY
Everyday Checking
- Minimum
- $0
- Rate
- 0.00% APY
* APY: as high as.
| Term | Minimum | Rate |
|---|---|---|
| 6 months | $500 | 4.00% APY |
| 12 monthsFeatured | $500 | 4.35% APY |
| 24 months | $500 | 3.90% APY |
| 36 months | $500 | 3.75% APY |
6 months
- Minimum
- $500
- Rate
- 4.00% APY
12 monthsFeatured
- Minimum
- $500
- Rate
- 4.35% APY
24 months
- Minimum
- $500
- Rate
- 3.90% APY
36 months
- Minimum
- $500
- Rate
- 3.75% APY
* APY: as high as.
Rates effective October 1, 2026.
Savings calculator
See where a monthly habit gets you.
Start with what you have, add a little each month, and watch daily compounding do the rest.
Savings calculator
Added at the end of each month.
- Ending balance
- $14,490.68
- Total deposits
- $13,000.00
- Dividends earned
- $1,490.68
Estimates for illustration only. Your actual rate and payment depend on your credit and the terms you qualify for.
From the blog
The 4.10% question: where should your emergency fund live?
Somewhere you can reach in a day, that still earns while it waits. Here is how we think about it.
How is my savings dividend paid?
Dividends compound daily and are paid into your account monthly. The rate on our rates page is the annual percentage yield (APY).
Can I take money out whenever I want?
Yes. High-Yield Savings and Money Market have no withdrawal fees. Certificates pay more because the money stays put until the term ends.
Is there a minimum balance?
No. You can open High-Yield Savings with any amount, and it earns from the first dollar.
Is my savings insured?
Yes. Deposits are federally insured by NCUA up to $250,000 per member.