Rates

APY = Annual Percentage Yield. Rates and APYs are accurate as of January 8, 2025.

Rates and rewards are variable and may change without notice after the account is opened.

Please ask a representative for current rate information.

Fees may reduce earnings.

Kasasa Cash®* Learn More

Balance Minimum Opening Deposit Rate APY
$0.01 to $25,000 $100 5.00% 5.12%
$25,001 and Over $100 0.75% 5.12% to 1.84%*
Base Rate (Qualifications not met) $100 0.05% 0.05%

*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the balance.

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases

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

Kasasa Saver®‡ Learn More

Balance Minimum Opening Deposit Rate APY
$0.01 to $25,000 $50 1.05% 1.06%
$25,001 and over $50 0.40% 1.06% to 0.56%*
Base Rate (Qualifications not met) $50 0.05% 0.05%

*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the account balance.

Qualifications to Earn the Higher Rate

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 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Money Market Account Learn More

Minimum Balance Minimum Opening Deposit Minimum Balance to Obtain APY Rate APY
$1,000 - $10,000.00 $100 $1,000 1.00% 1.00%
$10,000.01 - $25,000.00 $100 $1,000 1.10 1.11%
$25,000.01 - $50,000.00 $100 $1,000 1.30% 1.31%
$50,000.01 - $100,000.00 $100 $1,000 1.50% 1.51%
$100.000.01 - $250,000.00 $100 $1,000 1.70% 1.71%
$250,000.01 - $500,000.00 $100 $1,000 1.90% 1.92%
$500,000.01 - $1,000,000.00 $100 $1,000 2.00% 2.02%
$1,000,000.01 and Over $100 $1,000 2.25% 2.27%

You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield. 

First 1 Interest Checking Account Learn More

Minimum Balance Minimum Opening Deposit Rate APY
$100 to $2,499 $100 0.25% 0.25%
$2,500 - $24,999.99 $100 0.30% 0.30%
$25,000 - $249,999.99 $100 0.35% 0.35%
$250,000 - $499,999.99 $100 0.40% 0.40%
$500,000 and Over $100 0.45% 0.45%

You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

First 1 Savings Account Learn More

Minimum Balance Minimum Opening Deposit Rate APY
$0.01 to $2,499.99 $50 0.25% 0.25%
$2,500 - $24,999.99 $50 0.30% 0.30%
$25,000 - $249,999.99 $50 0.35% 0.35%
$250,000 - $499,999.99 $50 0.40% 0.40%
$500,000 and Over $50 0.45% 0.45%

Certificates of Deposit (CDs)** Learn More

Term Minimum Opening Deposit Minimum Balance to Obtain APY Rate APY
12 Month $2,500 $2,500 and Over 3.00% 3.04%
36 Month $2,500 $2,500 and Over 2.25% 2.27%

A penalty may be imposed for early withdrawal.