What are your #LifeGoals?

Looking to save for a wedding, a home down payment, or your kids’ college? Whatever your goals, we can help you put together a savings plan that’s right for you.


Add a Kasasa Saver account to your Kasasa free rewards checking and earn dividends and automatic savings. Earn 1.00% APY** on all Kasasa Saver balances up to and including $50,000.00 and 1.50% APY** on the portion of your balance $50,000.01+, when you meet your qualifications in Kasasa Cash, Cash+ or Cash Back. Earn 0.05% APY if qualifications are not met on Kasasa Cash, Cash+ or Cash Back.**

Money Market Accounts are a great place to set aside extra savings. Plus, you’ll earn more based on balance. Check out KALSEE’s money market rates below, with minimum opening balances starting at just $50.

The beauty is being able to withdraw from your Money Market Account whenever you need to – as long as you don’t dip below your minimum or exceed 6 monthly transactions. Another cool option is the ability to issue a cashier’s check or money order once in a while, maybe for taxes, a major purchase, home improvements or college tuition. All while earning a terrific KALSEE rate. It’s your reward for depositing more at KALSEE.

Money Markets are flexible and earn more than just a regular savings. Funds are also federally insured for up to $250,000. (Compare this to non-insured money markets offered online or by brokerage companies.) At KALSEE, your savings stay safe and secure.

  • Minimum opening balance of $50
  • Interest paid quarterly, based on balance
  • Up to 6 withdrawals or transfers per month (of at least $500 each)

KALSEE’s regular Share Savings Account provides you complete safety and unlimited access to your funds with a dividend rate typically higher than most traditional financial institutions. See our dividend rate below.

PRO TIP: Open multiple savings accounts for envelope style budgeting. For example: a home makeover fund, a tuition fund, an insurance savings, a vacation fund, a Christmas fund, etc. Open a new Savings account quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option, and nickname it whatever you like.

Want to get away to that special place? Start a KALSEE Vacation Club and with a small deposit every paycheck, you could be whisking away to that special place for your next vacation. There is no starting date and no ending date. You determine when you want to take that vacation. Deposits can be taken from your paycheck, either through direct deposit or recurring transfers. Stop in soon and set up a Vacation Club…and then get ready for your next trip!

PRO TIP: Open a new Vacation Club account quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option.

Many KALSEE members prepare for their holidays by opening a Christmas Club account. You can start one at any time, no minimum balance is required and with payroll deduction or recurring transfers, making deposits to your Christmas club couldn’t be easier. When the funds are disbursed around the beginning of November, you’ll be prepared for your holiday shopping!

PRO TIP: Open a new Christmas Club account quickly and easily in Online Banking or our Mobile App by selecting the New Accounts menu option.

A CD is a term deposit, meaning you’ve agreed to deposit your funds for a specified length of time (anywhere from 6 months to 5 years). Because you’ve agreed not to withdraw your funds before that time, we pay you a higher interest rate. That interest is paid to your CD and compounds quarterly (learn more about how awesome compound interest is). If you decide to withdraw your funds before your term is up, you’re subject to an early withdrawal penalty. Learn more about Kalsee’s CD offerings and see current CD rates.


Savings & Money Market Rates


Balance tiers APY* Rate Minimum balance to earn APY
Kasasa Saver** $0 – $50,000 1.00% 0.995% n/a
$50,001 + 1.50% 1.490% n/a
non-qualified rate 0.05% 0.050% n/a
Savings n/a 0.15% 0.145% $50
Christmas Club n/a 0.15% 0.145% $1
Vacation Club n/a 0.15% 0.145% $50
Money Market $50 – $1,999 0.25% 0.245% n/a
$2,000 – $19,999 0.30% 0.295% n/a
$20,000 – $74,999 0.40% 0.395% n/a
$75,000 + 0.50% 0.495% n/a
Health Savings Account (HSA) n/a 0.75% 0.750% $50
Rates effective:

*APY = Annual Percentage Yield. Rates are subject to change. Fees may reduce earnings.

Kasasa Saver
**For all Kasasa accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for each calendar month: you must 1) make 12 debit card purchases that post and settle to your account, or 24 for Kasasa Cash+ Checking only; 2) access Online Banking at least one time per month; 3) be enrolled in and receive e-statements; and 4) for Kasasa Cash+ Checking only, receive an aggregate of $1,000 in direct deposits. The monthly qualification cycle is defined as the period beginning one day prior to the first day of the statement cycle and ending one day prior to the close of the statement cycle. Kasasa Saver, Kasasa Cash and Cash+ Checking and Kasasa Cash Back Checking accounts are limited to one account per Social Security Number. All Kasasa accounts except Kasasa Cash Back in which qualifications are not met will earn 0.05% APY. Rates accurate as of 1/1/19, subject to change. Fees may reduce earnings. Kasasa Saver is a tiered rate account available only to holders of a Kasasa Checking account: if you meet the minimum qualification requirements, 1.00% APY will apply to balances of $50,000.00 and below; 1.50% will apply to balances of $50,000.01 or greater. Each dividend rate will apply only to that portion of the account balance within each balance range. Account transfer and withdrawal limitations apply. Kasasa, Kasasa Cash, Kasasa Cash Back, and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.