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Free Kasasa Saver
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.
Free account that builds your savings effortlessly
Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
View current rates for dividends on this account
No minimum balance to earn rewards
No monthly maintenance fees
Includes digital banking services:
Free online banking
Free mobile banking
Free e-Statements
No minimum deposit required
Click “READ MORE” to see how you qualify!
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
Primary account holder is enrolled in and agrees to receive e-Statements
Primary account holder is enrolled in and logs into online or mobile 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!
| Tier | Dividend Rate | APY* |
|---|---|---|
| Less than $100,000 | ||
| $100,000.01+ | ||
| Qualifications not met |
Disclaimer:
*APY=Annual Percentage Yield. APYs accurate as of 05/01/2023. Rates may change after account is opened. 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) day prior to the first banking day¹ of the current statement cycle through one (1) day prior to the last banking day¹
of the current statement cycle. "Banking Day¹" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its
banking functions or for processing.
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 $100,000.00 receive APY** of 2.00%;
and balances over $100,000.00 earn 0.15% dividend rate on the portion of balance
over $100,000.00, resulting in a range from 2.00% to 0.15% APY** depending on the account’s balance.
Kasasa Cash: Balances up to $15,000.00 receive a non-compounding APY** of 5.00%; and
balances over $15,000.00 earn 2.00 % dividend rate on the portion of balance over $15,000.00,
resulting in a non-compounding range from 5.00% to 2.00% 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 05/01/2023.
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. 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.
Share Savings
Christmas Club
When the tamales and biscochitos come out, you know it’s time for the holidays
Be ready with an account that helps you save.
Save specifically for the holidays
Earn higher dividends than regular savings
No monthly service fee
Contribute as much and as often as you like
Funds disbursed by November 15
$5 penalty for early withdrawal
Direct deposit available for your convenience
Includes digital banking services:
Free online banking
Free mobile banking
Free e-Statements
No minimum deposit to open
Federally insured to $250,000 by NCUA
Click “READ MORE” to view rates.
| Tier | Dividend Rate | APY** |
|---|---|---|
| 0 - $1,999 | ||
| $1,999.01 - $3,999 | ||
| $3,999.01 - $39,999 | ||
| $39,999.01+ |
**APY = Annual Percentage Yield. Rates effective as of 11/14/2022.
Kirby Kangaroo Kids Savings
There might not be any kangaroos in New Mexico, but you can find one at ZIA
Meet Kirby, our friend who’ll help your kids learn how to save.
Savings account designed for children 12 and under
Pays dividends
No monthly service fee
Kids receive Kirby Bucks with deposits
Go "shopping" at ZIA Credit Union with your Kirby Bucks!
$12.50 minimum deposit to open — our gift to you!
Kirby Kangaroo accounts are federally insured to $250,000 by NCUA
Join Kirby for fun, jokes, and games at KirbyKangaroo.com.
Click “READ MORE” to view rates.
| Tier | Dividend Rate | APY** |
|---|---|---|
| 0 - $1,999 | ||
| $1,999.01 - $3,999 | ||
| $3,999.01 - $39,999 | ||
| $39,999.01+ |
**APY = Annual Percentage Yield. Rates effective as of 11/14/2022.
Share Certificates
Individual Retirement Accounts (IRAs)
Look to the ZIA to brighten your future
Choose from two IRA options for retirement, or our ESA to help you get through college.
Tax-advantaged¹ retirement savings
Earn higher dividends than regular savings rates
No setup or maintenance fees
Annual contribution limits
Additional $1,000 "catch-up" contribution allowed for ages 50+
No limits on rollover funds from existing IRA
Funds can be used to open share certificates within IRA
Minimum deposit of $1,000 is required to open
Federally insured to $250,000 by NCUA
Traditional vs. Roth
Traditional
Anyone under age 70½ may open
Contributions are tax deductible on state and federal income tax¹
Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
Withdrawals can begin at age 59½
Early withdrawals subject to penalty²
Mandatory withdrawals at age 70½
Roth
Income must be less than $138,000 annually to open ($218,000 for married couples)
Contributions are NOT tax deductible
Earnings are 100% tax free at withdrawal
Principal contributions can be withdrawn without penalty³
Withdrawals on interest can begin at age 59½
Early withdrawals on interest subject to penalty²
No mandatory distribution age
Visit a branch today to set up your IRA!
¹Consult with a tax advisor.
²Certain exceptions apply, such as healthcare, purchasing first home, etc.
³Subject to some minimal conditions.
Coverdell Education Savings Account (ESA)
Once called the Education IRA, a Coverdell Education Savings Account (CESA) provides tax-free earnings when the funds are used for a very specific purpose — education expenses.
There are no age or compensation requirements to open and contribute to a CESA; you do not even need to be related to the student you are contributing for. The interest is 100% tax-free, and withdrawals can be made at any time when used for qualified education expenses.
No annual fee
Interest grows tax-free
Withdrawals tax-free when used for qualified education expenses⁴
Contributions are not tax deductible
Maximum annual contribution limits per child
Contributions can be made until the child is 18 years old
Funds must be distributed when recipient reaches age 30
Contributors do not have to be related to recipient
Federally Insured by NCUA
⁴Qualified expenses include tuition and fees, books, supplies, board, etc.
IRA Share Certificate ($1,000 & Greater)
| Term | Dividend Rate | APY** |
|---|---|---|
| 90 Days | ||
| 6 Months | ||
| 12 Months | ||
| 18 Months | ||
| 24 Months | ||
| 30 Months | ||
| 36 Months | ||
| 48 Months | ||
| 60 Months |
IRA Share Certificate ($10,000 & Greater)
| Term | Dividend Rate | APY** |
|---|---|---|
| 90 Days | ||
| 6 Months | ||
| 12 Months | ||
| 18 Months | ||
| 24 Months | ||
| 30 Months | ||
| 36 Months | ||
| 48 Months | ||
| 60 Months |
IRA Share Certificate ($95,000 & Greater)
| Term | Dividend Rate | APY** |
|---|---|---|
| 90 Days | ||
| 6 Months | ||
| 12 Months | ||
| 18 Months | ||
| 24 Months | ||
| 30 Months | ||
| 36 Months | ||
| 48 Months | ||
| 60 Months |
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Subject to some minimal conditions.
4Qualified expenses include tuition and fees, books, supplies, board, etc.
WITHHOLDING NOTICE
Payments from your IRA are subject to federal income tax withholding, unless you elect no withholding.
You may change your withholding election at any time prior to your receipt of a payment. To change your withholding election, complete the appropriate form provided by your credit union.
Withholding from IRA payments, when combined with other withholding MAY relieve you from payment of estimated income taxes. However, your withholding election does not affect the amount of income tax you pay.
You may incur penalties under the estimated tax rules if your withholding and estimated tax payments are insufficient.
Get the Best Rate
We’re Working To Get You The Best Rate
One great thing about being a member of a credit union is getting great rates. At ZIA, we’re always working to find you the best rate.
Loyalty Pays With ZAP Your Rates
Did you know that ZIA rewards its members for their loyalty? The more ZIA products you have, the more you can ZAP your rate! You can ZAP UP your certificate rate by up to 0.50%, depending on what other products you have with ZIA. Have a checking account? ZAP! Also, have a credit card? ZAP again! For example, instead of earning 0.70% APY** on a 60-month certificate (minimum balance $1,000), you could instead earn 1.2% APY**!
On the other hand, ZAP DOWN your loan rates by up to 0.60%! Direct deposit? Consumer loan? Certificate? ZAP, ZAP, ZAP! Let’s say you qualify for a 60-month new auto loan, zero percent down, at 2.74% APR*. ZAP it down to 2.14% APR*! With auto loans specifically, ask us about BONUS ZAPS for which you may qualify.
We Always Rate Match
Did you see a better rate offered by another financial institution? Let us know, and we’ll match it!
*APR=Annual Percentage Rate. Visit rates for the most current rates and conditions.
**APY=Annual Percentage Yield. Visit rates for the most current rates and conditions.