Start preparing for retirement today — future you will thank you.
With no setup or maintenance fees, there's nothing stopping you from preparing for a secure financial future.
Features You’ll Love
- No fees to set up account
- Simple, effective preparation for retirement
- No monthly or annual fees to worry about
- Enjoy tax advantages3
- Traditional and Roth IRA options
- No setup fees
- No monthly or annual maintenance fees
- Annual contribution limits apply
There are advantages to both traditional and Roth IRAs. One of the biggest differences is the time at which you see the most advantage. A traditional IRA provides potential tax relief today, while a Roth IRA has the potential for the most tax benefit at time of retirement.
TRADITIONAL IRA
- No income limits to open
- No minimum contribution requirement
- Contributions are tax deductible on state and federal income tax1
- Earnings are tax deferred until withdrawal (when usually in lower tax bracket)
- Withdrawals can begin at age 59½
- Early withdrawals subject to penalty2
- Mandatory withdrawals at age 72
ROTH IRA
- Income limits to be eligible to open Roth IRA3
- Contributions are NOT tax deductible
- Earnings are 100% tax free at withdrawal1
- Principal contributions can be withdrawn without penalty1
- Withdrawals on interest can begin at age 59½
- Early withdrawals on interest subject to penalty2
- No mandatory distribution age
- No age limit on making contributions as long as you have earned income
1Subject to some minimal conditions. Consult a tax advisor.
2Certain exceptions apply, such as healthcare, purchasing first home, etc.
3Consult a tax advisor.
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
CENTER REWARDS CHECKING ACCOUNT
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $15,000 | 3.25% | 3.30%* |
| $15,000+ | 0.20% | 3.30%* to 0.20%* |
| All balances if qualifications not met | 0.05% | 0.05%* |
1Variable interest rate subject to change at any time
2Annual percentage yield
QUALIFICATIONS
To earn your rewards, just do the following transactions and activities in your Center Rewards Checking account during each Monthly Qualification Cycle:
- Have at least one ACH direct deposit or one ACH automatic payment that posts and clears per monthly qualification cycle
- Have at least 10 debit card purchases of $10.00 or more that post and clear per monthly qualification cycle. (Purchases that are under $10.00 will not count towards the 10 debit card purchases. ATM-processed transactions do not count towards qualifying debit card transactions.)
- Enroll and agree to receive electronic statements***
That's it. Even if you don't meet your qualifications during the cycle, your Center Rewards Checking account is still free if you are enrolled and receive electronic statements.*** Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!
*Annual Percentage Yield (APY) accurate as of 11/8/2024. Rate tiers are as follows: 3.30% APY applies to balances of $.01 - $15,000 and 0.20% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.05% APY* applies to all balances if monthly qualifications are not met. All balances will earn 3.30% APY to 0.20% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions.
**Up to $25 ATM fee refunds per monthly qualification cycle only if qualifications are met within the monthly qualification cycle.
***$5 monthly fee if not enrolled in and receiving electronic statements.
CERTIFICATE OF DEPOSIT
| Description | Minimum Balance | Rate | APY2 |
|---|---|---|---|
| 6-month | $500 | 3.45% | 3.49% |
| 12-month | $500 | 2.98% | 2.99% |
| 18-month | $500 | 1.25% | 1.25% |
| 24-month | $500 | 1.25% | 1.25% |
| 36-month | $500 | 1.25% | 1.25% |
| 48-month | $500 | 1.25 | 1.25% |
| 60-month | $500 | 1.25% | 1.25% |
2Annual percentage yield
Minimum balance to open the account: you must deposit $500.00 to open this account. Withdrawal of interest prior to maturity: the annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
Fees, if any, could reduce earnings. Early withdrawal penalties: A penalty may be imposed for withdrawals before maturity.
MONEY MARKET DIAMOND SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $250,000+ | 2.37% | 2.40% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET PLATINUM SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000 - $24,999.99 | 0.20% | 0.20% |
| $25,000 - $49,999.99 | 0.25% | 0.25% |
| $50,000 - 99,999.99 | 0.75% | 0.75% |
| $100,000.00 or more | 1.73% | 1.74% |
1Variable interest rate subject to change at any time
2Annual percentage yield
MONEY MARKET SAVINGS
| Balance | Rate1 | APY2 |
|---|---|---|
| $0 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.15% | 0.15% |
| $10,000+ | 0.20% | 0.20% |
1Variable interest rate subject to change at any time
2Annual percentage yield
OTHER ACCOUNTS
| Account | Rate1 | APY2 | Minimum Balance to obtain APY |
|---|---|---|---|
| Center Savings | 0.10% | 0.10% | $50 |
| Money Market Gold | 0.25% | 0.25% | $25,000 |
| Interest Checking | 0.05% | 0.05% | $500 |
| Earnings Credit (Business Accounts) | 0.30% | 0.30% | N/A |
1Variable interest rate subject to change at any time
2Annual percentage yield