Best way to save? Don’t think about it. Get an account that does all the heavy lifting for you — like Kasasa Saver®.


Key Features

  • Automatic Savings
  • No Monthly Maintenance Fees
  • No Minimum Balance
  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
  • 1.00% APY* on balances up to $75,000
  • 1.00% to 0.57% APY on balances over $75,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • Free Home Banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • Free ATM card
  • Free deposits at any shared branch
  • Surcharge-free ATMs also available
  • THE LOCAL requires a $1.00 lifetime membership deposit

Earning a Higher Rate is Easy Work

Qualifying for your Kasasa Cash or Kasasa 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 Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH credit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

Qualification Information: Kasasa Saver
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: debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based non-retail payment transactions and purchases made with debit cards not issued by our 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.

"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.

Contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $75,000 in your Kasasa Saver account earn an APY of 1.00% and daily balances over $75,000 earn a dividend rate of .25 % on the portion of the daily balance over $75,000 resulting in a range from 1.00% to .57 APY depending on the account's daily balance.

When your linked Kasasa Cash, Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of .049% resulting in an annual percentage yield of .05% APY.

Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 01/01/2021

APY calculations are based on an assumed balance of $75,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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:

THE LOCAL credit union will also obtain a credit report prior to opening an account for you. Based on your credit rating, THE LOCAL credit union may not offer you all of our services and products or may deny your account request. If you do not wish for THE LOCAL credit union to obtain a credit rating, we will not be able to open an account for you.
Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$1.00 minimum deposit is required to open the account.

Monthly Direct Deposit/ACH credit or debit, [enrollment in online banking or mobile application is/are/may be a condition(s) this/these account(s).

Enrollment in electronic services (e.g. online banking,) and log-ons may be required to meet some of the account's qualifications.

Limit of one social security number per account(s).

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash orKasasa Cash Back 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 credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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