Skip Navigation

Free Kasasa Saver®

Build savings automatically while earning a high rate of return.

Free Kasasa Saver® is saving simplified. It links to your free Kasasa Cash® or Kasasa Cash Back® checking to build your savings automatically every month. When you earn cash rewards in your Kasasa checking, those earnings transfer into your Kasasa Saver®. Plus, Kasasa Saver® pays up to 1.00%APY* on your balance! Open your accounts now to start getting rewarded!

  • 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 $25,000
  • 0.15% APY* on balances over $25,000
  • 0.01%APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Bank
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free eStatements
  • No minimum deposit to open

Here's how easy it is to earn your rewards:

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 ACH credit or ACH payment transaction
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

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.

Open an account  Check Application Status     Request Assistance

*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 (which means a period beginning on the last business day of the month and ending on the day prior to the last business day of the month) in order to qualify for the account’s rewards. Please click here for dates. The following activities do not count toward earning account rewards: Transfers between accounts, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.15% APY Kasasa Cash Back: 2.00% cash back on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver (linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $25,000 in your Kasasa Saver account receive an APY of 1.00% and balances over $25,000 earn 0.15% interest rate on the portion of balance over $25,000. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of 5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. ATM & Cash Back reimbursements and rewards will be credited the last business day of each month to the appropriate Kasasa account(s). Dividends will be credited on the last calendar day of each month to the appropriate Kasasa account(s). When linked to the Kasasa Saver account, the dividends earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of 6/1/18. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, time frames, enrollments, and other requirements apply. No minimum deposit is required to open a Kasasa account. Qualifications and rewards may vary by account. Monthly qualifications include: 1 ACH Debit or Credit, 12 Debit Card purchases, and receipt of electronic statements. Limit 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. Contact MMFCU Member Services for additional information, details, restrictions, processing limitations and enrollment instructions. Certain restrictions apply. Federally insured by NCUA. If account doesn’t qualify for 3 consecutive months, account will be transferred out of Kasasa product and into a Simply Checking.