Effective Date: August 1, 2018

APY = Annual Percentage Yield. Fees may reduce earnings. Rates on products requiring pledged securities may differ from standard rates.

Kasasa Cash* See Details

Balance Minimum Required Opening Deposit Rate APY
$0 - $19,999 $100 2.2271% 2.25%
$20,000+ $100 0.50% 2.25% to 0.79%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications

It's so easy to qualify — you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each Monthly Qualification Cycle: 

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That's it. If you don't qualify, there's still no monthly service fee and you still earn interest at the base rate. Plus you can get back to earning your full rewards the very next Monthly Qualification Cycle! Rates may change after account opening.

Kasasa Saver* See Details

Balance Interest Rate APY
0 - $29,999 1.00% 1.00%
$30,000+ 0.50% 1.00 – 0.62%
Qualifications not met 0.05% 0.05%

Qualifications

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

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 automatic payment (ACH) or direct deposit 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 your qualifications during a cycle, your Kasasa Cash and Kasasa Saver accounts are still free. Plus, you’ll earn our base interest rate on both accounts. And you can get right back to earning your full rewards the very next month you qualify. Rates may change after account opening.

Certificates of Deposit See Details

TermMinimum Balance to OpenMinimum Balance to Obtain YieldRateAnnual Percentage Yield
19 MONTH SPECIAL 1,000.00 1,000.00 2.27 2.29
29 MONTH SPECIAL 1,000.00 1,000.00 2.46 2.49
49 MONTH SPECIAL 1,000.00 1,000.00 3.07 3.09

For all CD Specials, the minimum amount to open the account and obtain the Annual Percentage Yield is $1,000.  APY is accurate as of June 29, 2018. A penalty will be imposed for early withdrawal. Account fees may reduce earnings.

For more information, please visit https://www.cfsbky.com/personal/personal-savings/certificates-of-deposit-cds.html or call us at 1.888.226.5669

Individual Retirement Accounts See Details

ProductMinimum Balance to OpenMinimum to Obtain YieldRateAnnual Percentage Yield
12 MO IRA (VAR) (as of 8/1/18)*** 25.00 25.00 2.33 2.34
19 MONTH IRA SPECIAL 1,000.00 1,000.00 2.27 2.29
29 MONTH IRA SPECIAL 1,000.00 1,000.00 2.46 2.49
49 MONTH IRA SPECIAL 1,000.00 1,000.00 3.07 3.09

*** Rates subject to change after account opening.

Penalty for early withdrawal