Effortless savings, big rewards.
Saving isn’t always easy. But when you link Kasasa Saver® to your free Kasasa® Checking account, you have the opportunity to earn really high interest.
Benefits You’ll Love
- Automatic transfers of Kasasa Checking account earnings
- Track growth with free online and mobile banking
- No minimum balance to earn rewards
- Free account that builds your savings effortlessly
- Links to your free Kasasa Cash®, Kasasa Cash Back® or Kasasa Play checking
- Automatic transfers of Kasasa Cash, Kasasa Cash Back or Kasasa Play earnings
- 1.01% APY* on balances up to $10,000
- 1.01% to 0.15% APY on balances over $10,000 depending on balance in account*
- 0.05% APY* if qualifications are not met on Kasasa Cash, Kasasa Cash Back or Kasasa Play
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking
- Free e-statements
- Free mobile banking
- No minimum deposit to open
Here's how you qualify!
Qualifying for your Kasasa Cash, Kasasa Cash Back or Kasasa Play 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, Kasasa Cash Back or Kasasa Play account during each Monthly Qualification Cycle:
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Be enrolled in and review e-statements
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!
A few words on ATM withdrawal fees...
Refunds on ATM withdrawal fees apply solely to the Kasasa Cash, Kasasa Cash Back or Kasasa Play account. ATM transactions occurring with the Kasasa Saver account are not refunded.
*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, and purchases made with debit cards not issued by our bank. 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. "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, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $10,000 receive APY of 1.01%; and balances over $10,000 earn 0.15% interest rate on the portion of balance over $10,000, resulting in a range from 0.15% to 1.01% APY depending on the account's balance. Kasasa Cash: Balances up to $20,000 receive a non-compounding APY* of 5.04%; and balances over $20,000 earn 0.53% interest rate on the portion of balance over $20,000, resulting in a non-compounding range from 0.54% to 5.04% APY* depending on the account's balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.05%. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one business day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. 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 minimum deposit is required to open the account. Monthly Direct Deposit/ACH Withdrawal and receipt of electronic statements are conditions of these accounts. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Limit 1 account per social security number. Early closing fee of $30 if account is closed within 60 days after date opened. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. 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
Analysis Earnings Credit
| Interest Compounded | Rate | |
|---|---|---|
| $10 Account Analysis | Reviewed Quarterly& | 0.30% |
Business Max
| Tiers | Interest Compounded | Rate | APY |
|---|---|---|---|
| $.01 - $249,999.99 | Monthly | 0.45% | 0.45% |
| $250,000 - $499,999.99 | Monthly | 0.50% | 0.50% |
| $500,000 - $999,999.99 | Monthly | 0.60% | 0.60% |
| $1,000,000.00 - OVER | Monthly | 0.70% | 0.70% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.
Certificates of Deposit (CDs)
| Maturity | Interest Compounded | Rate | APY |
|---|---|---|---|
| 91 Day* | Maturity | 3.65% | 3.70% |
| 182 Day - 11 Months* | Quarterly | 3.75% | 3.80% |
| 12 - 17 Months | Quarterly | 3.60% | 3.65% |
| 18 - 23 Months* | Quarterly | 3.60% | 3.65% |
| 24 - 29 Months* | Quarterly | 3.55% | 3.60% |
| 30 - 35 Months*& | Quarterly | 3.60% | 3.65% |
| 36 - 47 Months* | Quarterly | 3.65% | 3.70% |
| 48 Months* | Quarterly | 3.70% | 3.75% |
| 60 Months*/*** | Quarterly | 3.70% | 3.75% |
| 48 Month Adjustable Rate IRA** | Quarterly | 3.70% | 3.75% |
| 18 Month Variable IRA ($25 minimum deposit) | Quarterly with rates adjusted quarterly | 3.60% | 3.65% |
* Certificates of Deposit and IRAs only
** IRA holders age 59.5 and older can request a rate bump once every 6 months
*** New Roth IRA Certificates of Deposit only
If payment of CD interest is not compounded quarterly, APY will be affected on disclosures & statements.
Companion CD Accounts
| Maturity | Interest Compounded | Rate | APY |
|---|---|---|---|
| 36 Months | Quarterly | 3.60% | 3.65% |
| 60 Months | Quarterly | 3.65% | 3.70% |
Interest Bearing Checking Account (NOWs)
| Interest Compounded | Rate | APY | |
|---|---|---|---|
| NOW Checking | Monthly | 0.10% | 0.10% |
Interest On Overdrawn Collected Balance-Analysis
| Interest Compounded | |
|---|---|
| Account Analysis | WSJ Prime + 3% |
Kasasa Cash*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $20,000 | $300 | 4.93% | 5.04% |
| $20,000+ | $300 | 0.54% | 5.04% to 0.54% |
| All balances if qualifications not met | $300 | 0.05% | 0.05% |
Qualifications:
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Kasasa Saver*
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| 0 - $10,000 | $0 | 1.01% | 1.01% |
| $10,000+ | $0 | 0.15% | 1.01% to 0.15% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications:
- At least 1 ACH credit or ACH payment transaction
- At least 15 debit card purchases
- Enroll and receive e-statements
Money Market Accounts
| Tiers | Compounded | Rate | APY |
|---|---|---|---|
| $.01 - 9,999.99 | Monthly | 0.25% | 0.25% |
| $10,000.00 - 49,999.99 | Monthly | 0.40% | 0.40% |
| $50,000.00 - 149,999.99 | Monthly | 0.45% | 0.45% |
| $150,000.00 - OVER | Monthly | 0.50% | 0.50% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.
Savings, Super Hero, and Christmas Savings Accounts
| Tiers | Compounded | Rate | APY |
|---|---|---|---|
| $.01 - 9,999.99 | Monthly | 0.20% | 0.20% |
| $10,000.00 - 49,999.99 | Monthly | 0.35% | 0.35% |
| $50,000.00 - 149,999.99 | Monthly | 0.40% | 0.40% |
| $150,000.00 - OVER | Monthly | 0.45% | 0.45% |
At our discretion, ESB may change the interest rate on any of these tiers listed above.
