Free Kasasa Saver Savings Account | HarborLight CU | Montague, Whitehall, Muskegon

Link Kasasa^® checking to this free account that earns high dividends and helps you save automatically.

Key Features

High Dividends
Automatic Savings
No Monthly Maintenance Fees
No Minimum Balance Requirements

Details

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
2.00% APY* on balances up to $10,000
2.00% to 0.32% APY on balances over $10,000 depending on balance in account*
0.05% APY* if qualifications are not met in Kasasa Cash or Kasasa Cash Back
No monthly maintenance fees
No minimum balance to earn rewards
Free digital banking
No minimum deposit to open

It’s Easy to Earn Your Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

At least 12 debit card purchases
Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base dividend rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

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*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 processed by merchants and received by HarborLight Credit Union as ATM transactions and purchases made with non-HarborLight Credit Union 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 on the last day of the statement cycle:

Kasasa Saver: Balances up to $5,000 receive APY of 1.00%; and balances over $5,000 earn 0.15% interest rate on the portion of balance over $5,000, resulting in a range from 0.15% to 1.00% APY depending on the account’s balance.
Kasasa Cash: Balances up to $5,000 receive APY* of 2.75%; and balances over $5,000 earn 0.15% interest rate on the portion of balance over $5,000, resulting in a range from 0.15% to 2.75% APY depending on the account’s balance.
Kasasa Cash Back: 2.75% cash back on up to a total of $300.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $8.25 cash back may be earned per Monthly Qualification Cycle.When Kasasa Saver, Cash, 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 $5,000 in your Kasasa Cash account receive a non-compounding APY of 0.50%; and balances over $5,000 earn 0.15% interest rate on the portion of the balance over $5,000, resulting in a non-compounding range from 0.15% to 0.50% APY depending on the account’s balance.The Kasasa Saver APYs may be less than the Kasasa Cash APYs. APY = Annual Percentage Yield. APY’s accurate as of 04/20/2015. 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. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit one (1) account per social security number. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact a HarborLight Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.