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Rates Calculator

Never stop growing your balance with free checking that earns high dividends, plus refunds on ATM withdrawal fees.*

Key Features

  • High Dividends
  • Refunds on ATM Withdrawal Fees*
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
  • Free checking that pays high dividends
  • 2.48% APY* on balances up to $20,000
  • 2.48% to 2.51% APY on balances over $20,000 depending on balance in account*
  • 0.13% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • Link to free Kasasa Saver® to build savings automatically
  • Add Kasasa Protect® for comprehensive fraud protection*
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services, including:
  • Free Visa® debit card
  • $25 minimum deposit to open

It’s Easy to Earn Your Rewards

It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 10 debit card purchases 

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base dividend rate. And you can get right back to earning your full rewards the very next month.

*To earn your rewards just do the following transactions and activities in your Kasasa Cash account during each “Monthly Qualification Cycle”: Have a minimum of one (1) direct deposit, one (1) ACH transaction or one (1) bill pay transaction post and settle. Have a minimum of ten (10) debit card purchases post and settle. Be enrolled in and agree to receive eStatements. Be enrolled in and log into online banking. “Monthly Qualification Cycle” is a period beginning two business days prior to the first day of a calendar month through two business days prior to the last day of a calendar month. Transactions posted and settled on the last two business days will qualify for next month’s qualification. Qualification Information: Account transactions and activities may take one or more banking 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, debit card 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. 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. Reward Information: When your Kasasa Cash account qualifications are met during a “Monthly Qualification Cycle”, (1) Balances up to $20,000 receive APY of 2.48%; and balances over $20,000 earn 0.25% interest rate on the portion of balance over $20,000, resulting in a range from 2.51% to 2.48% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the “Monthly Qualification Cycle” in which you qualified. APY = Annual Percentage Yield. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. No minimum balance is required to earn or to receive the account’s rewards. When Kasasa Cash qualifications are not met, all balances in the account earn 0.13% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the first processing day of the following “Statement Cycle”. APY is accurate as of 03/27/2018. 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. $25 minimum deposit is required to open the account. Monthly receipt of electronic statements is a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements and logons) may be required to meet some of the account’s qualifications. Limit 1 account per social security number. There are no recurring monthly service charges to open or close this account. Contact a MCT Credit Union service representative for additional information, details and enrollment instructions. Insured by American Share Insurance. Kasasa and Kasasa Cash are trademarks of Kasasa Ltd., registered in the U.S.A.