Kasasa Saver
A free savings account that builds itself. Link it to your Kasasa checking and the rewards you earn move across automatically.
See Current Rates for today’s figures.
How Kasasa Saver Works
Kasasa Saver links to a Kasasa Cash or Kasasa Cash Back checking account. Qualifying on the checking account automatically qualifies you for the highest Saver rate too, so there is no second set of hoops. You can opt in to have your checking rewards transferred across automatically.
What You Should Know
One Set of Qualifications
Qualifying on your linked Kasasa checking automatically qualifies the Saver.
3.00% APY to $50,000
When qualified, daily balances up to and including $50,000 earn 3.00% APY.
Above $50,000
The portion above $50,000.01 earns a 1.49% dividend rate, giving a 1.50% to 3.00% APY range depending on balance.
0.05% If Not Qualified
When the linked account does not qualify, the entire balance earns 0.05% APY.
Automatic Sweep
Opt in to have Kasasa Cash or Cash Back earnings transferred across automatically.
Still Free If You Miss
The account stays free and earns the base rate.
What You Will Need
- A linked Kasasa Cash or Kasasa Cash Back checking account
- The linked account’s monthly qualifications
- A minimum balance of $0.01 is required at all times.
- A Kasasa Cash or Kasasa Cash Back account, which Kasasa Saver is linked to
Current Rates
Kasasa Cash
As high as
3.50%APY¹
Kasasa Saver
As high as
3.00%APY¹
Check 24
As high as
3.00%APY¹
Youth Super Saver
As high as
4.00%APY¹
APY = Annual Percentage Yield. Rates effective October 1, 2026 and subject to change without notice. Kasasa Cash rate applies to balances up to $15,000 when certain criteria are met. Kasasa Saver rate applies to balances up to $50,000 when certain criteria are met. Youth Super Saver rate applies to the first $10,000 on deposit. Check 24 rate applies to the first $2,500 on deposit. See product pages for full details.
Open an AccountView all savings and deposit account rates
| Account Type | APY | Minimum Required Balance |
|---|---|---|
| Share Savings | 0.05% | N/A |
| Share Club | 0.05% | N/A |
| Health Savings | 0.25% | N/A |
| IRA Share | 0.10% | $50 |
| Youth Super Saver | 4.00% | N/A |
| Kasasa Saver: Qualified, below cap | 3.00% | N/A |
| Kasasa Saver: Qualified, over cap | 1.50% | $50,000 |
| Kasasa Saver: Non-qualified | 0.05% | N/A |
| Kasasa Cash: Qualified, below cap | 3.50% | N/A |
| Kasasa Cash: Qualified, over cap | 0.30% | $10,000 |
| Kasasa Cash: Non-qualified | 0.05% | N/A |
| Nonprofit Money Market: Tier 1 | 0.30% | N/A |
| Nonprofit Money Market: Tier 2 | 3.00% | $10,000 |
| Nonprofit Money Market: Tier 3 | 3.50% | $100,000 |
| Money Market: Tier 1 | 0.10% | $2,000 |
| Money Market: Tier 2 | 0.15% | $25,000 |
| Money Market: Tier 3 | 0.20% | $50,000 |
| IOLTA Checking | 0.75% | N/A |
| Check 24 | 3.00% | N/A |
| Health Savings Account Money Market: Tier 1 | 0.25% | <$1999.99 |
| Health Savings Account Money Market: Tier 2 | 2.50% | $2,000 – $9,999.99 |
| Health Savings Account Money Market: Tier 3 | 3.00% | $10,000 – $24,999.99 |
| Health Savings Account Money Market: Tier 4 | 3.50% | $25,000+ |
Common Questions
No. Meeting the qualifications on your linked Kasasa checking account automatically qualifies you for the highest Saver rate.
The account stays free and the whole balance earns 0.05% APY for that cycle.
You need a Kasasa Cash or Kasasa Cash Back account to qualify for a Kasasa Saver account.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Federally insured by NCUA.
APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.
Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.
Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.
Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.