Make the most of your money
At Freedom, even your checking is rewarding. Earn high interest on your balance — it’s on us.
Key Features
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Really High Interest
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ATM Withdrawal Fee Refunds
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Debit Card
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Digital Banking
Really High Interest
ATM Withdrawal Fee Refunds
Debit Card
Digital Banking
- Free checking that pays high interest
- 2.05% APY* on balances up to and including $15,000
- 2.05% to 0.70% APY on balances over $15,000 depending on balance in account*
- 0.05% APY* on all balances if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- Links to free Kasasa Saver® to build savings automatically
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® debit card
- $25 minimum deposit to open
Bank Local. Get Paid.
It's so simple to qualify for your Kasasa® rewards that you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, ACH credit, or bill pay transaction
- At least 12 debit card purchases
- Be enrolled in and agree to receive eStatements
- Be enrolled in and log into online banking
That's it. Even if you don't meet your qualifications during the cycle, your account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
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*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, [PIN-based, signature based] debit card purchases less than [$XX.XX], credit card purchases less than [$XX.XX], debit [and credit] card purchases processed by merchants and received by our [bank / credit union] as ATM transactions, [PIN-based, signature based] transactions, non-retail payment transactions, and purchases made with debit [or credit] cards not issued by our [bank / credit union]. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to [$XX,000] receive APY of [X.XX]%; and balances over [$XX,000] earn [X.XX]% interest rate on the portion of balance over [$XX,000], resulting in a range from [X.XX]% to [X.XX]% APY depending on the account’s balance and (2) you will receive reimbursements up to [$XX] ($X.XX per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented [within sixty (60) calendar days of transaction] for reimbursements of individual ATM fees of [$X.XX] or higher. When Kasasa Cash qualifications are not met, all balances in the account earn [X.XX%] APY and ATM fees are not refunded. [Interest / dividends] and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of [XX/XX/20XX]. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. [No /[$XX] minimum deposit is required to open the account. Monthly [Direct Deposit/ACH credit], [enrollment in online banking], [receipt of electronic statements] [is /are /may be] a condition(s) of [this/these] accounts. Enrollment in electronic services (e.g. online banking, electronic statements, [Kasasa 360] and log-ons may be required to meet some of the account’s qualifications. Limit [X] account(s) per [social security number / individual taxpayer identification number / household]. There are [no] recurring monthly maintenance charges or fees to open or close this account. Contact one of our [bank / credit union] service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. [Member FDIC / Federally insured by NCUA]. Kasasa and Kasasa Cash 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% |