KASASA SAVER

Enjoy a free account that makes saving effortless.

Free Kasasa Saver® connects to your free Kasasa Cash® or Kasasa Cash Back® checking to help you save every month. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver — where your balance earns up to 0.30% APY.*

  • Links to free Kasasa Cash or Kasasa Cash Back checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 0.30% APY* on balances up to $10,000
  • 0.30% to 0.16% APY on balances over $10,000 depending on balance in account*
  • 0.03% APY* if qualifications are not met
  • No minimum balance to earn rewards and no monthly service fees
  • Free online banking, eStatements, and more
  • $5 minimum deposit to open

Easy Qualifications to Earn Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. To earn your rewards just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s all. Even if you don’t meet these qualifications, your Kasasa accounts are free. Plus, you’ll still earn our base dividend rate on Kasasa Saver — and you can get right back to earning your full rewards the very next cycle.


Kasasa Cash linked to Kasasa Saver

*APY=Annual Percentage Yield. APYs accurate as of 1/19/2016. Rates may change after account is opened. Minimum to open a Kasasa Cash Checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. For Kasasa cash, if qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 2.50%; (2) balances over $10,000 earn 0.25% dividend rate on portion of balance over $10,000, resulting in 2.50%-0.45% APY depending on the balance; and (3) domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle. If qualifications are not met, all balances earn 0.03% APY. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as the period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.30%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% dividend rate on portion of balance over $10,000, resulting in 0.30% – 0.16% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.03% APY. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number.

Kasasa Cash Back linked to Kasasa Saver

Minimum to open a Kasasa Cash Back Checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. When monthly qualifications are met, you receive 3.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9.00 per monthly qualification cycle. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle. Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.30%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% dividend rate on the portion of the balance over $10,000, resulting in 0.30% – 0.16% APY depending on the balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.03%. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number.