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APY = Annual Percentage Yield. Rates accurate as of 03/05/2020. Fees may reduce earnings.

Kasasa Cash* Learn More

Balance Minimum Required Opening Deposit1 Rate APY2
$0 - $15,000 $0 at the branch or $25 online 2.2467%  2.27%
$15,000+ $0 at the branch or $25 online 0.2497% 0.25%
All balances if qualifications not met $0 at the branch or $25 online 0.02% 0.02%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card transactions
  • Be enrolled and log into online banking
  • Be enrolled in and agree to receive e-statements
  • Maintain a valid email address on record with New Buffalo Savings Bank  

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Kasasa Saver* Learn More

Balance Interest Rate APY2
0 - $100,000 1.7361% 1.75%
$100,000+ 0.2497% 0.25%
Qualifications not met 0.02% 0.02%

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card transactions
  • Be enrolled and log into online banking
  • Be enrolled in and agree to receive e-statements
  • Maintain a valid email address on record with New Buffalo Savings Bank  

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.

Certificates of Deposit (CDs)4 Learn More

Term Rate APY2 Minimum Balance1 to Obtain APY
3 Month CD 0.20% 0.20% $1,000
6 Month CD 0.25% 0.25% $1,000
1 Year CD 0.55% 0.55% $1,000
2 Year CD 0.60% 0.60% $1,000
3 Year CD 0.60% 0.60% $1,000
4 Year CD 0.75% 0.75% $1,000
5 Year CD 0.75% 0.75% $1,000
6 Year CD 0.75% 0.75% $1,000

Certificate of Deposit accounts require a minimum of $1000.00 to open the account.

Personal Savings and Checking Accounts5

Product Rate APY2 Minimum Balance1
to obtain APY
MMSA3 0.10 – 0.50% 0.10 – 0.50% $500
55 PRIME CHECKING 0.00 – 0.10% 0.00 – 0.10% $500
STATEMENT SAVINGS 0.04% 0.04% $100

IRA Accounts Learn More

Term RATE APY2 Minimum Balance1
to obtain APY
3 Year IRA CD 0.60% 0.60% $100
4 Year IRA CD 0.75% 0.75% $100
6 Year IRA CD 0.75% 0.75% $100
8 Year IRA CD 1.10% 1.10% $100
Fixed IRA4 0.36% 0.36% $100
Variable IRA4 0.16% 0.16% $100

IRA Accounts require $100 to open the account.

Daily Balance (the amount of principal in the account each day)
2 Annual Percentage Yield
3 Fees may reduce the earnings on these accounts
4 A penalty may be imposed if funds are withdrawn before the maturity date
Rates may change after account is opened (Savings and Checking Accounts)
* Any amount above $100,000 is a rate of 0.2497% with an APY of 0.25%
** Any amount above $15,000 is a rate of 0.2497% with an APY of 0.25%