Give your high balance tiered interest to match
Watch cash stack and reach financial goals faster with a waivable monthly service charge. Monthly service charge is $10 if the average daily balance is not met.
- Earns competitive, tiered interest*
- Higher balances receive higher rates
- Avoid the $10 monthly service charge with an average daily balance of $1,000 or more
- No internal fee to use other banks' ATMs**
- Free Mastercard® debit card featuring tap to pay
- Free digital banking, including:
- First1Digital banking
- First1Mobile banking
- eStatements
- Identity theft protection available
- $100 minimum deposit to open
Mastercard is a registered trademark of Mastercard International Incorporated and is used by the issuer under a licensing agreement.
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*Fees may reduce earnings.
**Other banks may impose their own fee to use their ATMs.
Rates are variable and may change after account is opened.
Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going. This calculator helps you do just that. By entering your income and monthly expenditures, you can see how much you have left to save and where your money is being spent.
Certificates of Deposit (CDs)
| Term | Minimum Opening Deposit | Minimum Balance to Obtain APY | Rate | APY |
|---|---|---|---|---|
| 12 Month | $2,500 | $2,500 and Over | 3.00% | 3.04% |
| 36 Month | $2,500 | $2,500 and Over | 2.25% | 2.27% |
A penalty may be imposed for early withdrawal.
First Interest Checking Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| $100 to $2,499 | $100 | 0.30% | 0.30% | $100 |
| $2,500 - $24,999.99 | $100 | 0.35% | 0.35% | $100 |
| $25,000 - $249,999.99 | $100 | 0.40% | 0.40% | $100 |
| $250,000 - $499,999.99 | $100 | 0.45% | 0.45% | $100 |
| $500,000 and Over | $100 | 0.50% | 0.50% | $100 |
First1Savings Account
| Minimum Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $2,499.99 | $50 | 0.25% | 0.25% |
| $2,500 - $24,999.99 | $50 | 0.30% | 0.30% |
| $25,000 - $249,999.99 | $50 | 0.35% | 0.35% |
| $250,000 - $499,999.99 | $50 | 0.40% | 0.40% |
| $500,000 and Over | $50 | 0.45% | 0.45% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened. Fees may reduce earnings.
Kasasa Cash
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $100 | 5.00% | 5.12% |
| $25,001 and Over | $100 | 0.75% | 5.12% to 1.84%* |
| Base Rate (Qualifications not met) | $100 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the balance.
Qualifications to Earn Rewards
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 12 debit card purchases
And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened.
Kasasa Saver
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $0.01 to $25,000 | $50 | 1.05% | 1.06% |
| $25,001 and over | $50 | 0.40% | 1.06% to 0.56%* |
| Base Rate (Qualifications not met) | $50 | 0.05% | 0.05% |
*Blended APY, example based on a balance ranging from $25,001-$100,000. When qualifications are met, the interest rates will be paid only for the portion of the account balance within that tier. The APY will vary, within the range, depending upon the account balance.
Qualifications to Earn the Higher Rate
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, or bill pay transaction
- At least 12 debit card purchases
And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate in Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.
Money Market Account
| Minimum Balance | Minimum Opening Deposit | Minimum Balance to Obtain APY | Rate | APY |
|---|---|---|---|---|
| $1,000 - $10,000.00 | $100 | $1,000 | 1.00% | 1.00% |
| $10,000.01 - $25,000.00 | $100 | $1,000 | 1.10% | 1.11% |
| $25,000.01 - $50,000.00 | $100 | $1,000 | 1.30% | 1.31% |
| $50,000.01 - $100,000.00 | $100 | $1,000 | 1.50% | 1.51% |
| $100,000.01 - $250,000.00 | $100 | $1,000 | 1.70% | 1.71% |
| $250,000.01 - $500,000.00 | $100 | $1,000 | 1.90% | 1.92% |
| $500,000.01 - $1,000,000.00 | $100 | $1,000 | 2.00% | 2.02% |
| $1,000,000.01 and Over | $100 | $1,000 | 2.25% | 2.27% |
APY = Annual Percentage Yield. Rates and APYs are accurate as of January 8, 2025. Rates and rewards are variable and may change without notice after the account is opened. Fees may reduce earnings.