Kasasa Cash Back with Kasasa Saver Truth In Savings Disclosure

Disclaimers

KASASA CASH

Qualification 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 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.

“Monthly Qualification Cycle” means the current statement cycle.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000.00 in your Kasasa Cash account earn a dividend rate of 3.92849% resulting in a non-compounding APY* of 4.00%; and average daily balances over $15,000.00 earn a dividend rate of 0.39927% on the portion of the average daily balance over $15,000.00, resulting in a non-compounding range from 4.00% to 0.87% APY depending on the account’s average daily balance.

In addition, average daily balances up to and including $30,000.00 in your Kasasa Saver account earn a dividend rate of 1.48979% resulting in an APY of 1.50%; and average daily balances over $30,000.00 earn a dividend rate of 0.39927% on the portion of the average daily balance over $30,000.00, resulting in blended APY for the overall account that can range from 1.50% to 0.65% APY depending on the Kasasa Saver account’s average daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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.

NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.0400% resulting in a non-compounding annual percentage yield of 0.04% and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.0400% resulting in an annual percentage yield of 0.04%.

Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

* Note: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs.

APY = Annual Percentage Yield.
APYs accurate as of 03/01/2023.

APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your Kasasa Cash account and 30,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements may apply.

A $50.00 minimum deposit is required to open the Kasasa Cash account.

No minimum deposit is required to open the Kasasa Saver account.

Monthly Direct Deposit/ACH credit or debit and enrollment in e-statements may be condition(s)] of this/these account(s).

Enrollment in electronic services (e.g. e-statements) may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per member and/or social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Your Savings Insured To $250,000 Per Account, By American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks: Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

SAVER FOR CASH BACK

Qualification 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 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.

“Monthly Qualification Cycle” means the current statement cycle.

Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300.00 on debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.

In addition, average daily balances up to and including $30,000.00 in your Kasasa Saver account earn a dividend rate of 1.48979% resulting in an APY of 1.50%; and average daily balances over $30,000.00 earn a dividend rate of 0.39927% on the portion of the average daily balance over $30,000.00, resulting in a blended APY for the overall account that can range from 1.50% to 0.65% APY depending on the account’s average daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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.

NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.0400% resulting in an annual percentage yield of 0.04% APY.

Dividends will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.

The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 03/01/2023.

APY calculations are based on an assumed balance of 30,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements may apply.

A $50.00 minimum deposit is required to open the Kasasa Cash Back account.
No minimum deposit is required to open the Kasasa Saver account.

Monthly ACH credit or debit and enrollment in e-statements may be condition(s) of this/these account(s).

Enrollment in electronic services (e.g. online banking, e-statements) may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per member and/or social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash Back account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Your Savings Insured To $250,000 Per Account, by American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks: Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

SAVER FOR CASH

Qualification 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 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.

“Monthly Qualification Cycle” means the current statement cycle.

Reward Information:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000.00 in your Kasasa Cash account earn a dividend rate of 3.92849% resulting in a non-compounding APY* of 4.00%; and average daily balances over $15,000.00 earn a dividend rate of 0.39927% on the portion of the average daily balance over $15,000.00, resulting in a non-compounding range from 4.00% to 0.0.87% APY depending on the account’s average daily balance.

In addition, average daily balances up to and including $30,000.00 in your Kasasa Saver account earn a dividend rate of 1.48979% resulting in an APY of 1.50%; and average daily balances over $30,000.00 earn a dividend rate of 0.39927% on the portion of the average daily balance over $30,000.00, resulting in blended APY for the overall account that can range from 1.50% to 0.65% APY depending on the Kasasa Saver account’s average daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal 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.

NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back, and Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.0400% resulting in a non-compounding annual percentage yield of 0.04% and ATM withdrawal fees are not refunded. In addition, the entire average daily balance in the Kasasa Saver account earns a dividend rate of 0.0400% resulting in an annual percentage yield of 0.04%.

Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

* Note: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

APY = Annual Percentage Yield.

APYs accurate as of 03/01/2023.

APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your Kasasa

Cash account and 30,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements may apply.

A $50.00 minimum deposit is required to open the Kasasa Cash account.

No minimum deposit is required to open the Kasasa Saver account.

Monthly Direct Deposit/ACH credit or debit and enrollment in e-statements may be condition(s)] of this/these account(s).

Enrollment in electronic services (e.g. e-statements) may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per member and/or social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash account is required to have a Kasasa Saver account.

A linked Kasasa Saver account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Your Savings Insured To $250,000 Per Account, By American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

Trademarks: Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.