Free Kasasa Saver

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Saving is hard — make it easy with Kasasa Saver®, the low maintenance savings account you don’t have to work hard at. Kasasa Saver takes care of the heavy lifting, thanks to automatic deposits of your monthly Kasasa® checking rewards. Just link the two accounts and relax — your part is done!

We’ll transfer the rewards from your checking — Kasasa Cash® or Kasasa Cash Back® — to your Kasasa Saver account each month, where you can earn up to 0.50% APY* on what you save. There's also no minimum balance requirement and no monthly service fee, so your savings will grow quickly. Skip the high maintenance savings — get Kasasa Saver today!

Summary
  • 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
  • 0.50% APY* on balances up to $7,500
  • 0.50 to 0.27% APY on balances over $7,500 depending on balance in account*
  • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • $5 minimum deposit to open

It’s easy to qualify for Kasasa Saver rewards!

Qualifying to earn Kasasa Saver rewards is so easy that you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash or Kasasa Cash Back account each Monthly Qualification Cycle:

  • Have at least 12 debit card transactions post and settle
  • Have at least 1 direct deposit post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

That’s all there is to it! If you don’t meet your qualifications during the cycle, your Kasasa® accounts are still free. Even better? You’ll still earn our base interest rate on Kasasa Saver, too. Then you can get right back to earning your full rewards the very next month!

*Qualifications Information: 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 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 process by merchants and received by Miramar FCU as ATM or PIN-based, and purchases made with non-Miramar FCU issued debit cards. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle:

  • Kasasa Saver: Balances up to $7,500 receive APY of 0.50% and balances over $7,500 earn 0.25% interest rate on the portion of balance over $7,500 resulting in a range from 0.50 % to 0.27% APY depending on the account’s balance.
  • Kasasa Cash: Balances up to $7,500 receive APY of 2.00%; and balances over $7,500 earn 0.25% interest rate on the portion of balance over $7,500, resulting in a range from 2.00% to 0.37% APY depending on the account’s balance.
  • Kasasa Cash Back: 4.00% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle.

When Kasasa Cash or Kasasa Cash Back qualifications are not met,

  • Kasasa Saver: All balances earn 0.05% APY.
  • Kasasa Cash: All balances earn 0.05% APY.
  • Kasasa Cash Back: No cash back payments are made.

When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account the day after being credited to your Kasasa Cash account. Consequently, when linked to Kasasa Saver, and your Kasasa Cash qualifications are met, balances up to $7,500 in your Kasasa Cash account receive a non-compounding APY of 2.00%; and balances over $7,500 earn 0.25% interest rate on the portion of the balance over $7,500, resulting in a non-compounding range from 2.00% to 0.37%

The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APY is accurate as of 07/01/15. 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. A $5 minimum deposit and Monthly Direct Deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons are required to meet some of the account’s qualifications. Limit one (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact a Miramar FCU member service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa & Kasasa Cash are trademarks of Banc Vue, Ltd., registered in the U.S.A.

Automatic savings with no work on your part!