We get it — saving can be hard. But with this free account, it’s so easy that it’s automatic. Build your balance each month with competitive dividends and automatic transfers of your Kasasa Cash® checking rewards.

Rates

Key Features

  • Automatic Savings
  • No Monthly Maintenance Fee
  • No Minimum Balance Requirements
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash earnings 
  • 0.50% APY on balances up to $50,000
  • 0.50% to 0.27% APY on balances over $50,000 depending on balance in account
  • 0.05% APY if qualifications are not met in Kasasa Cash
  • No minimum balance to earn rewards
  • No monthly service charge
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Free MasterCard® debit card
  • $25 minimum deposit to open

How to Earn Your Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least one direct deposit or ACH payment transaction
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

QUALIFICATION INFORMATION

KASASA SAVER FOR KASASA CASH CHECKING

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Visit www.AtholCU.com or contact one of our Member Service Specialists for specific Monthly Qualification Cycle dates

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000 your Kasasa Cash account earn a dividend rate of 1.982% resulting in an APY of 2.000%; and average daily balances over $20,000 earn a dividend rate of 0.2497% on the portion of the average daily balance over $20,000 resulting in a range from 2.00% to 0.54% APY depending on the account's average daily balance.

When your linked Kasasa Cash account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.

Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of September 1, 2020

APY calculations are based on an assumed balance of $20,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$100 minimum deposit is required to open the Kasasa Cash account.

$25 minimum deposit is required to open the Kasasa Saver account.

Monthly one ACH debit or one bill pay, and eStatements are conditions of these accounts.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

Limit of one account per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our Member Service Specialists for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.   Your Savings Insured To $250,000 Per Account. Additionally, MSIC fully insures excess shares and deposits above the federal insurance limit of $250,000.

Trademarks:

Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

 

KASASA SAVER FOR KASASA CASH BACK CHECKING

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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.

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.

Visit www.AtholCU.com or contact one of our Member Service Specialists for specific Monthly Qualification Cycle dates.

Reward Information:

When your linked Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 your Kasasa Saver account earn an APY of 0.50% and average daily balances over $50,000 earn a dividend rate of 0.15% on the portion of the average daily balance over $50,000 resulting in a range from 0.50% to 0.27% APY depending on the account's average daily balance.

When your Kasasa Cash Back account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns 0.05% APY.

Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of September 1, 2020

APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the account the Kasasa Cash Back account.

$25 minimum deposit is required to open the Kasasa Saver account.

Monthly one ACH debit or one bill pay, and eStatements are conditions of these accounts.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications.

Limit of one account per member.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our Member Service Specialists for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.