Keep your belly and wallet happy
Your favorite foods taste even better when they earn you 5.00% cash back.
Benefits You’ll Love
- Get paid 5.00% cash back on meals and groceries
- Available on select stores and services like HEB and DoorDash
- No monthly maintenance fee or minimum balance required
- Free checking that pays for meals and groceries
- 5.00% cash back on debit card purchases with select grocery stores and delivery services◊
- Cash back earned on as much as $300 in purchases monthly
- Earn as much as $180 cash back per year, $15 per month
- Stores and services include HEB, Walmart, Costco, DoorDash, and many more
- View the list of eligible grocery stores and delivery services
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)◊
- Links to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card
- $25 minimum deposit to open
Bank Local. Get Paid.
It's so simple to qualify for your Kasasa® rewards that you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Eats™ account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
That's it! Even if you don't meet your qualifications during the cycle, your Kasasa Eats account is still free. Plus, you can get right back to earning your rewards the very next month.
◊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, [PIN-based, signature based] debit card purchases less than $[KCS_Min_Purchase_Price_Amount], debit card purchases processed by merchants and received by our [bank / credit union] as ATM transactions, [PIN-based, signature based] transactions, non-retail payment transactions and purchases made with debit cards not issued by our [bank / 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.
7 Day: "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first Banking Day of the current Statement Cycle through one (1) day prior to the last Banking Day of the current Statement Cycle.
6 Day: "Monthly Qualification Cycle" means a period beginning one (1) Banking Day prior to the first Banking Day of the current Statement Cycle through one (1) Banking Day prior to the last Banking Day of the current Statement Cycle.
5 Day: "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.
1 Month: "Monthly Qualification Cycle" means the Statement Cycle preceding the current Statement Cycle.
Synchronous: "Monthly Qualification Cycle" means the current Statement Cycle
[See our website or contact][Contact] one of our branch service representatives for specific Monthly Qualification Cycle dates.
Reward Information:
When Kasasa Eats qualifications are met during a Monthly Qualification Cycle, you will receive [KEats_1st_Tier_Cash_Back_Rate] cash back on up to a total of [KEats_1st_Tier_Purchase_Cap] [PIN-based/signature-based] debit card purchases that post and settle to the account during that cycle period. A maximum of [KEats_1st_Tier_Cash_Back_Cap] cash back payments may be earned per Monthly Qualification Cycle.
When Kasasa Eats qualifications are met during a Monthly Qualification Cycle, you will receive [KEats_1st_Tier_Cash_Back_Rate] cash back on up to a total of [KEats_1st_Tier_Purchase_Cap] [PIN-based/signature-based] debit card purchases, made with the vendors identified below, that post and settle to the account during that cycle period. A maximum of [KEats_1st_Tier_Cash_Back_Cap] cash back payments may be earned per Monthly Qualification Cycle. You account’s debit card made be used for any transaction but the account’s rewards will only be applied to debit card purchases made with the following companies:
- National Food Delivery Services: Grub Hub; Uber Easts; Door Dash, and Post Mates
- National Grocery Stores: Target; Kroger; HEB; xxxxx;
- Local Grocery Stores: [xxxxx]; [xxxxx]; [xxxx]; [xxxxx]; [xxxxx]
In addition, [daily / average daily] balances up to and including $[KS_Saver_Interest_Rate_Cap] in your Kasasa Saver account earn a [interest / dividend] rate of [KS_Saver_Below_Cap_IR]% resulting in an APY of [KS_Saver_Below_Cap_APY]; and [daily / average daily] balances over $[KS_Saver_Interest_Rate_Cap] earn [an interest / a dividend] rate of [KS_Saver_Above_Cap_IR]% on the portion of the [daily / average daily] balance over $[KS_Saver_Interest_Rate_Cap], resulting in a range from [KS_Saver_Above_Cap_APY_Range_Low_Bal] to [KS_Saver_Above_Cap_APY_Range_High_Bal] APY depending on the account's [daily/average daily] balance.
[In addition, you will also receive reimbursements up to an aggregate total of $[KCS_Max_ATM_Refund_Amount_per_Cycle] for nationwide ATM withdrawal fees incurred within your checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.]
[In addition, you will receive reimbursements up to $[KCS_Max_ATM_Refund_Amount_per_Cycle] for nationwide ATM withdrawal fees incurred within your Kasasa Eats account during the Monthly Qualification Cycle in which you qualified.]
When your Kasasa Eats account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire [daily / average daily] balance in the Kasasa Saver account earns [an interest / a dividend] rate of [KS_Saver_Base_IR]% resulting in an annual percentage yield of [KS_Saver_Base_APY]% APY.
[Interest / Dividends] will be credited to your Kasasa Saver account on the [last day of the current statement cycle / first processing day of the following statement cycle]. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Eats account will be credited to your Kasasa Saver account on the [last day of the current statement cycle / first processing day of the following statement cycle].
APY = Annual Percentage Yield. APYs accurate as of [XX/XX/20XX]. APY calculations are based on an assumed balance of [KS_Saver_Interest_Rate_Cap] + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Balance computation methodology varies by account's qualifying status. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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. [No] [KCS_Minimum_Balance_Amount] minimum deposit is required to open the Kasasa Eats account. [No] [KS_Minimum_Balance_Amount_To_Open_Saver] minimum deposit is required to open the Kasasa Saver account. Monthly [Direct Deposit/ACH credit], [enrollment in online banking], [[KCSeStatementIsCondition] [is/are/may be] a condition(s)] of [this/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. Consult a Service Representatives for instructions, if needed. Limit of [Limit_Num_Accts_To] account(s) per [Limit_On_Accts_Applies_To]. There are [no] recurring monthly maintenance charges or fees to open or close these accounts. A Kasasa Eats 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 [bank / credit union] service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
[Member FDIC] / [Federally insured by NCUA] / [Your Savings Insured To $250,000 Per Account, American Share Insurance. By members' choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.]
All trademarks, brands, logos and copyrights are the property of their respective owners. Kasasa, Kasasa Eats and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
| Type | Term | APR* | Payment Examples (based on a $10,000.00 loan) |
|---|---|---|---|
| New Car | up to 60 months | 7.24% | $199.15 |
| New Car | 61 to 72 months | 7.49% | $172.85 |
| Used Car | up to 60 months | 7.74% | $201.52 |
| Used Car | 61 to 72 months | 7.99% | $175.28 |
All annual percentage rates are accurate as of 1/24/2023 and are subject to change at any time.
Business Money Market
| Minimum Daily Balance to earn APY1 | Interest Rate | APY | Min. Deposit to Open |
|---|---|---|---|
| $5,000 | 0.00% | 0.00% | $5,000 |
| $25,000 | 0.05% | 0.05% | $5,000 |
| $50,000 | 0.20% | 0.20% | $5,000 |
| $100,000 | 0.75% | 0.75% | $5,000 |
| $250,000 | 1.25% | 1.25% | $5,000 |
Certificates of Deposit (Personal & Business)
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 0.10% | 0.10% | $1,000 |
| 6 - 11 Months | 0.15% | 0.15% | $1,000 |
| 12 - 17 Months | 0.20% | 0.20% | $1,000 |
| 18 - 23 Months | 0.20% | 0.20% | $1,000 |
| 24 - 35 Months | 0.30% | 0.30% | $1,000 |
| 36 - 47 Months | 0.30% | 0.30% | $1,000 |
| 48 - 59 Months | 0.40% | 0.40% | $1,000 |
| 60 Months and Longer | 0.40% | 0.40% | $1,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Penalty for early withdrawal.
Credit Cards (Personal & Business)
| Card | APR** | Payment per $1,000 as low as |
|---|---|---|
| Freedom Personal Credit Card | As low as 7.99% | n/a |
| Freedom Business Credit Card | As low as 8.99% | n/a |
* Fee Information -
- No Balance Transfer Fee or Annual Fee
- Cash Advance Fee: $5.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $30.00).
- Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars.
- Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
- Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.
** Not all applicants will qualify for the lowest rate.
Home Equity Loans/Lines
| Maximum Term / Type | Loan-to-Value | APR | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | 80% | 5.75% | $19.22 |
| Up to 60 months | 85% | 6.25% | $19.45 |
| Up to 60 months | 90% | 6.75% | $19.68 |
| Up to 120 months | 80% | 6.50% | $11.35 |
| Up to 120 months | 85% | 6.75% | $11.48 |
| Up to 180 months | 80% | 6.99% | $8.98 |
| Home Equity Line of Credit5 | Up to 85% loan-to-value | 6.75% | n/a |
5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.50% APR. Property insurance is required.
Individual Retirement Account
| Balance | Rate | APY |
|---|---|---|
| $0-$4.99 | 0.00% | 0.00% |
| $5.00-$2,999.99 | 0.10% | 0.10% |
| $3,000.00-$9,999.99 | 0.15% | 0.15% |
| $10,000.00-$19,999.99 | 0.20% | 0.20% |
| $20,000.00-$49,999.99 | 0.40% | 0.40% |
| $50,000.00-$99,999.99 | 0.40% | 0.40% |
| $100,000.00+ | 0.40% | 0.40% |
Penalty for early withdrawal.
Kasasa Cash*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $15,000 | 2.03% | 2.05% |
| $15,000+ | 0.50% | 2.05% to 0.70% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! 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, ACH credit, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Kasasa Saver*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $25,000 | 1.00% | 1.01% |
| $25,000+ | 0.30% | 1.01% to 0.40% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash or 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 Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
- Be enrolled in and log into online banking
It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.
Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.05% | 0.05% |
| $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $249,999.99 | 0.15% | 0.15% |
| $250,000.00 and Greater | 0.20% | 0.20% |
Personal Loans
| Credit Score | APR* |
|---|---|
| 720+ | as low as 10.49% |
| 719-690 | as low as 11.99% |
| 689-670 | as low as 12.49% |
| 669-640 | as low as 14.99% |
| 639-600 | as low as 16.99% |
*ANNUAL PERCENTAGE RATE (APR) varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Some restrictions apply. Rates are subject to change without notice.
Savings Accounts
| Account | Minimum Opening Deposit | Interest Rate | APY |
|---|---|---|---|
| Freedom Savings | $1 | 0.05% | 0.05% |
| Texas Teen Savings | $5 | 0.05% | 0.05% |
| Business Basic Savings | $1 | 0.05% | 0.05% |