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APY = Annual Percentage Yield. Rates effective as of September 29, 2023

Kasasa Cash* Learn More

Tier Interest Rate APY
0 - $10,000 3.92% 4.00%
$10,000+ 0.25% 4.00% to 0.59%
Qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Kasasa Cash Back* Learn More

Tier Interest Rate APY
0 - $200 3.92% 4.00%
$200+ 0.25% 4.00% to 0.10%
Qualifications not met 0.05% 0.10%

*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 bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank. 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 a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn 0.25% interest rate on the portion of balance over $50,000, resulting in a range from 0.40% to 1.00% APY depending on the account’s balance. Kasasa Cash Back: 4.00% cash back up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. When Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn 0.10% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 4/10/2023. 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. $50.00 minimum deposit is required to open the account. At least 12 debit card transactions, enrollment in online banking, and receipt of electronic statements are conditions of these accounts. 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 account per social security number. An account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no fees to open or close this account. There are no recurring monthly maintenance fees associated with this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver* Learn More

Tier Interest Rate APY
0 - $50,000 1.00% 1.00%
$50,000+ 0.25% 1.00% to 0.40%
Qualifications not met 0.10% 0.10%

Qualifications

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 e-statements
  • Be enrolled in and log into online banking

That's all there is to 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 interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!  Rates may change after the account is opened.

Personal Statement Savings

Tier Minimum Deposit Interest Rate APY
Statement Savings Account $1.00 0.25% 0..25%

Rates may change after the account is opened.  Minimum opening deposit is $1.00. 

Insured Money Market Account Learn More

Tier Interest Rate APY
$1,000 - 2,499.99 0.15% 0.15%
$2,500 - 9,999.99 0.25% 0.25%
$10,000 - 19,999.99 0.35% 0.35%
$20,000+ 0.60% 0.60%

Rates are variable and may change after the account is opened. Minimum balance required to obtain the stated APY.  Minimum opening deposit required of $1,000.00. 

Plateau Premium Investment Checking

Tier Interest Rate APY
$1.00 - $14,999.99 0.35% 0.35%
$15,000 - 24,999.99 0.50% 0.50%
$25,000+ 4.07% 4.15%

Minimum opening deposit of $25,000 is required to open the account.  Rates are variable and may change after the account is opened.  Minimum balances are required in order to obtain the stated APY.

Time Deposits Learn More

Term Minimum Deposit Interest Rate APY
91 Days $1,000 0.75% 0.75%
182 Days $1,000 1.00% 1.00%
One Year $500 1.50% 1.51%
18 Months $500 1.55% 1.56%
Two Years $500 1.70% 1.71%
30 Months $500 1.85% 1.86%
Three Years $500 1.90% 1.91%
Five Years $500 2.49% 2.52%

Minimum opening deposit required as outlined above. 

Individual Retirement Accounts Learn More

Term Minimum Deposit Interest Rate APY
One Year Time Deposit $250 1.60% 1.\61%
Two Year Time Deposit $250 1.80% 1.81%
Five Year Time Deposit $250 2.50% 2.52%

Minimum opening deposit of $250.00 is required to open the account. 

Specials

Account Minimum Deposit Interest Rate APY
14 Month Bump $5,000 4.36% 4.45%
28Month Special $5,000 3.98% 4.05%
30 Month Bump $5,000 1.85% 1.86%

One deposit per term with a minimum of $1,000 may be added to the 14 & 30 month bump.  Rate may be increased once during the term of the certificate to the current offering rate.  Contact us if you wish to request a rate increase.

Fees could reduce the earnings on the account.  Minimum balances may be required in order to earn stated rates on tiered rate deposit accounts. 

Other requirements and conditions may apply.  For more information about a particular account, please request a Truth-in Savings Disclosure or discuss with one of our account representatives or officers. 

Please note that early withdrawal penalties may apply to time deposits, vacation clubs and Christmas Clubs.

For further information, you may write us at P.O. Box 929, Petersburg, WV 26847, or telephone (304) 257-4111.