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Rates

With so much to do in Northern New Mexico, it’s hard to keep up with savings. Let Kasasa Saver® do it for you, with automatic transfers of Kasasa® rewards.

Key Features

Automatic Savings

High Dividends

No Monthly Maintenance Fees

  • 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
    • 1.01% APY* on balances up to $25,000
    • 1.01% to 0.40% APY on balances over $25,000 depending on balance in account*
    • 0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Includes digital banking services:
    • Free online banking
    • Free mobile banking
    • Free eStatements
  • $25 minimum deposit to open 

Here’s How You Qualify

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 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 Kasasa accounts are still 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 month!

*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, purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our 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 or Kasasa Cash Back 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 $25,000.00 receive APY of 1.01%; and balances over $25,000.00 earn 0.25% dividend rate on the portion of balance over $25,000.00, resulting in a range from 1.01% to 0.40% APY depending on the account’s balance. Kasasa Cash: Balances up to $15,000.00 receive a non-compounding APY* of 2.05%; and balances over $15,000.00 earn 0.30% dividend rate on the portion of balance over $15,000.00, resulting in a non-compounding range from 2.05% to 0.53% APY* depending on the account’s balance. Kasasa Cash Back: 3.00% cash back on up to a total of $6.00 PIN-based/signature-based] debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash] or Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.05% APY. Kasasa Cash: All balances earn a non-compounding APY* of 0.05%. Kasasa Cash Back: No cash back payments are made. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one 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. APYs accurate as of 03/01/2018.  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 credit/debit, enrollment in online banking, receipt of electronic statements are a condition(s) of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number / individual taxpayer identification number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open the account or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations 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.