Checking Accounts

*APY=Annual Percentage Yield. APY is accurate as of 7/1/19. 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 institution. 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 statement cycle preceding the current statement cycle. See www.HNCU.org or a Member Service Representative for specific Monthly Qualification Cycle dates. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the account holder's account. See www.HNCU.org or a Member Service Representative for specific Statement Cycle dates. Limit one account per SSN. Kasasa Cash linked to Kasasa Saver Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle (1) daily balances up to and including $25,000.00 in your Kasasa Cash account earn a dividend rate of 3.00% resulting in a non-compounding APY* of 3.00% (2) and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a non-compounding range from 3.00% to 0.80% APY depending on the account's daily balance. When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the dividend rate earned on the entire daily balance in the account will be 0.01% resulting in an APY of 0.01%. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the day after the close of the previous qualifying cycle through the 2nd to the last business day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: Automatic transfer may cause an overdraft to your Kasasa Cash account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to and including $25,000 in Kasasa Saver receive an APY of 2.00%; and (2) balances over $25,000 in Kasasa Saver earn 0.25% dividend rate on portion of balance over $25,000, resulting in 2.00% - 0.60% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Kasasa Cash Back linked to Kasasa Saver Kasasa Cash Back rewards will be credited to your Kasasa Saver account on the last day of the monthly statement cycle. Note: Automatic transfer may cause an overdraft to your Kasasa Cash Back account, if the account's balance is less than the transferred amount when transfer occurs. If qualifications in Kasasa Cash Back are met each monthly qualification cycle: (1) daily balances up to and including $25,000.00 in your Kasasa Saver account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and daily balances over $25,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000.00, resulting in a range from 2.00% to 0.60% APY depending on the account's daily balance. If qualifications are not met on Kasasa Cash Back, all balances in the Kasasa Saver earn 0.01% APY. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.