Earning power you can count on
Skip the fees and go straight to the rewards with a free checking account that pays dividends.
Benefits You'll Love
- Competitive rates to help you earn
- Earn dividends even if qualifications aren't met
- Digital banking options for on-the-go
- Free Mastercard® debit card
- Free checking that pays high dividends
- 5.00% APY* on balances up to and including $25,000
- 5.00% to 0.76% APY on balances over $25,000 depending on balance in account*
- 0.06% APY* if qualifications aren't met
- Refunds on ATM withdrawal fees, nationwide (up to $30 monthly)*
- Link to free Kasasa Saver® to build savings automatically
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking and bill pay
- Free mobile banking
- Free eStatements
- Free Mastercard® debit card
- Free telephone banking
- $25 minimum deposit to open
It’s easy to earn your rewards.
To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
And if you don’t meet these qualifications, don’t worry. Your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify!
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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, debit card purchases processed by merchants and received by our credit union as ATM transactions, payment transactions and purchases made with debit cards not issued by My Community CU. "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 $25,000 receive APY of 5.00%; and balances over $25,000 earn 0.76% interest rate on the portion of balance over $25,000, resulting in a range from 5.00% to 0.76% APY* depending on the account's balance (2) you will receive reimbursements up to $30 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.06% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal 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 11/01/2023. 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. Monthly Direct Deposit/ACH credit, enrollment in electronic services, and log-ons are a condition of these accounts and required to meet all of the account's qualifications. Limit 1 account(s) per individual taxpayer identification number. All rewards, cash back, and ATM reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. A minimum opening deposit of $25 is required for Kasasa Cash. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Saver are trademarks of BancVue, 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 dividends 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 dividends 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 & Motorcycle Loans
Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
---|---|---|---|
New (2024 - 2023) | 5.24% | 5.74% | 5.99% |
Used (2024 - 2020) | 5.49% | 5.99% | 6.24% |
Used (2019 - 2018) | 6.04% | 6.29% | 7.49% |
Used (2017 and older) | 7.09% | 7.89% | N/A |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
For motorcycles, add 1.00% to the base auto loan rate.
Payment Example: New auto loan of $20,000 for 60 months at 5.24% APR will have a monthly payment of $380.
Payment Example: New auto loan of $30,000 for 72 months at 5.49% APR will have a monthly payment of $490
Cash Secured Loans
Loan Type | APR |
---|---|
Savings Secured Loan | 3.30% above pledged shares |
Certificate (CD) Secured Loan | 2.30% above pledged certificate |
CD/Share Certificates
Term | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 4.07% 4.17% 4.41% 4.07% 3.59% 3.35% 2.96% |
4.00% 4.15% 4.25% 4.50% 4.15% 3.65% 3.40% 3.00% |
Jumbo Certificates 6 Month 12 Month 15 Month 18 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.17% 4.27% 4.51% 4.17% 3.69% 3.45% 3.06% |
4.10% 4.25% 4.35% 4.60% 4.25% 3.75% 3.50% 3.10% |
Youth Account Certificates 6 Month 12 Month 24 Month |
$500.00 $500.00 $500.00 |
3.93% 4.17% 4.17% |
4.00% 4.25% 4.25% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Credit Cards
Loan Type | APR |
---|---|
MasterCard Rewards Card $25 Annual Fee, 25 Day Grace Period |
As low as 16.49% |
MasterCard Platinum Card No Annual Fee, 25 Day Grace Period |
As low as 13.50% |
Cash Secured Card No Annual Fee, 25 Day Grace Period |
As low as 14.00% |
Deposit Accounts
Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
---|---|---|---|---|
Prime Checking $1,000.00 |
$25.00 |
$1000.00 |
0.20% |
0.20% |
Home Loans
Please contact Ladana Inkman for an interest rate quote: 469-774-2020 or email: [email protected]
IRA Certificates
Term | Minimum Balance | Dividend Rate | APY |
---|---|---|---|
6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 $1,000.00 |
3.93% 4.07% 4.07% 3.59% 3.35% 2.96% |
4.00% 4.15% 4.15% 3.65% 3.40% 3.00% |
Jumbo Certificates 6 Month 12 Month 24 Month 36 Month 48 Month 60 Month |
$75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 $75,000.00 |
4.02% 4.17% 4.17% 3.69% 3.45% 3.06% |
4.10% 4.25% 4.25% 3.75% 3.50% 3.10% |
Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.
After your certificate is opened, the dividend rate is fixed for the term.
Certificates may have a penalty imposed for early withdrawal.
Kasasa Cash*
Balance | Rate | APY |
---|---|---|
$5 - $25,000 | 4.89% | 5.00% |
$25,000+ | 0.76% | 5.00% to 0.76% |
All balances if qualifications not met | 0.06% | 0.06% |
Minimum deposit of $25.00 required to open Kasasa Cash account.
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Kasasa Saver*
Balance | Rate | APY |
---|---|---|
$5 - $25,000 | 0.85% | 0.85% |
$25,000+ | 0.75% | 0.85% to 0.75% |
All balances if qualifications not met | 0.06% | 0.06% |
Qualifications
To earn your rewards, just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle:
- Have at least 1 direct deposit or ACH payment transaction post and settle
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
- Enroll and log into online banking
Personal Loans
Loan Type | APR |
---|---|
Unsecured Loans | As low as 12.74% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Recreational Vehicles
Loan Type | 36 Month APR | 60 Month APR | 72 Month APR |
---|---|---|---|
New (2024 - 2023) | 8.75% | 9.25% | 10.25% |
Used (2024 and older) | 10.25% | 10.70% | 11.00% |
Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.
Savings Accounts
Account Type | Minimum Opening Deposit | Minimum Balance to Earn | Dividend Rate | APY |
---|---|---|---|---|
Savings Account $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
$5.00 $5.00 |
0.10% 0.10% |
0.10% 0.10% |
Christmas Club $5.00-24,999.99 $25,000 & over |
$5.00 $5.00 |
- - |
0.50% 0.50% |
0.50% 0.50% |
IRA Savings $5.00-24,999.99 $25,000 & over |
- - |
- - |
0.10% 0.10% |
0.10% 0.10% |
Money Market $2,500-24,999.99 $25,000 & over |
$2,500.00 $2,500.00 |
$2,500.00 $25,000.00 |
0.15% 0.20% |
0.15% 0.20% |
Dividends will be compounded and will be credited monthly. Average Daily Balance.