Healthcare is complicated — but we make saving part simple
The HSA account gives more control and more advantages over how you save for medical expenses.
Benefits You'll Love
- Earn tiered interest on your balance
- Enjoy tax savings*
- Balances rolls over yearly
- Greater personal control over healthcare management and expenses
- Prepare for qualified medical expenses
- Earn interest above standard savings on entire balance
- Receive higher rates on larger deposits
- Funds can be withdrawn at any time
- Waive the $2.50 monthly service charge by keeping a minimum balance of $500 (or if your account is sponsored by a Keystone-affiliated employer)
- Unused funds remain in account year after year; no "use it or lose it" policy*
- Keep your HSA in your name, regardless of career or life changes
- Digital banking included
- HSA debit card included
- First order of checks waived (if requested)
- An HSA provides tax savings*:
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- Tax deductions when you contribute to your account
- Tax-free withdrawals for qualified medical, dental, vision expenses, and more
- Contributions are tax-free and can be made by you, your employer, or a third party*
*Contributions, distributions, and qualified medical expenses are subject to IRS regulations. Consult with your tax advisor for any tax questions.
Eligibility required. You must have coverage under an HSA-qualified "high deductible health plan" (HDHP), have no other "first-dollar" medical coverage, not be enrolled in Medicare and cannot be claimed as a dependent on someone else's income taxes.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (<$100M)
| Term | Rate | APY |
|---|---|---|
| 3 months | 0.80% | 0.80% |
| 6 months | 1.75% | 1.76% |
| 12 months | 2.00% | 2.02% |
| 18 months | 2.50% | 2.53% |
| 24 months | 2.75% | 2.78% |
| 36 months | 3.00% | 3.04% |
| 48 months | 3.15% | 3.20% |
| 60 months | 3.25% | 3.30% |
Certificates of Deposit (>$100M)
| Term | Rate | APY |
|---|---|---|
| 3 months | 0.80% | 0.80% |
| 6 months | 1.80% | 1.81% |
| 12 months | 2.00% | 2.02% |
| 18 months | 2.55% | 2.58% |
| 24 months | 2.80% | 2.84% |
| 36 months | 3.05% | 3.09% |
| 48 months | 3.20% | 3.25% |
| 60 months | 3.30% | 3.35% |
Kasasa Cash*
| Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 0 - $50,000 | 5.37% | 5.50% |
| $50,000+ | 0.50% | 2.17% to 5.50% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
Earning your rewards is as simple as using the free services that come with your account. 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 ACH credit or ACH payment transaction
- At least 12 debit card purchases, each greater than $3.49
And if you don’t meet your qualifications during a cycle, your free account will still earn our base rate. Then you can get back to earning your full rewards the very next month.
Kasasa Saver*
| Tier | Interest Rate | APY |
|---|---|---|
| 0 - $100,000 | 4.65% | 4.75% |
| $100,000+ | 0.50% | 2.63% to 4.75% |
| Qualifications not met | 0.05% | 0.05% |
Qualifications
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, each greater than $3.49
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify.
Money Market (Commercial)
| Tier | Rate | APY |
|---|---|---|
| $0 - $99,999 | 0.225% | 0.225% |
| $100,000 - $249,999 | 0.325% | 0.325% |
| $250,000+ | 0.45% | 0.45% |
Money Market (Consumer)
| Tier | Rate | APY |
|---|---|---|
| $0 - $99,999 | 0.225% | 0.225% |
| $100,000 - $249,999 | 0.325% | 0.325% |
| $250,000+ | 0.50% | 0.50% |
No Penalty CDs
| Term | Interest Rate | APY |
|---|---|---|
| 13 months | 0.35% | 0.35% |
Savings Accounts
| Account | Rate | APY |
|---|---|---|
| Basic Savings | 0.35% | 0.35% |
| Basic Business Savings | 0.35% | 0.35% |
