PREMIUM CARD
Summit Credit Card
Earn 30,000 bonus points, 0% intro APR for 12 months, and premium travel protections — with no annual fee.
Summit
| DECISION BASICS | |
| Welcome Bonus | 30K points after $3K spend in 90 days* |
| Intro APR | 0% for 12 months |
| Regular APR | 19.99% - 27.99% variable |
| Annual Fee | $0 |
| Rewards | 4x dining, 2x gas/travel/utilities |
Rewards Structure
Earn More Where It Matters
Summit rewards your everyday spending with bonus points in key categories.
4x
Restaurants
Full-service & fast food
2x
Gas, Travel & Utilities
Everyday essentials
1x
All Other Purchases
Unlimited earning
Streaming Bonus
Get a $25 statement credit when you sign up for a qualifying streaming service. Terms apply.
How It Works
Start Earning in 3 Easy Steps
1
Request Your Summit Card
Customers can't apply online — visit any BRB branch to request your Summit card. Local decisions mean faster answers and personalized service.
2
Make $3,000 in Purchases
Spend $3,000 in the first 90 days to unlock your 30,000 point welcome bonus — automatically credited to your account*.
3
Earn & Redeem Rewards
Use your card for everyday purchases and watch points add up. Redeem for cash back, gift cards, or merchandise at any time
Why Summit?
Premium Benefits, No Annual Fee
30,000 Point Welcome Bonus*
Spend $3,000 in the first 90 days and earn 30,000 bonus points. Plus, get a $25 credit when you sign up for a streaming service.
0% Intro APR
No interest on purchases for the first 12 months. After that, a competitive variable APR of 19.99% to 27.99%.
Premium Rewards Earning
Earn 4x points on dining, 2x points on gas, travel, and utilities, and 1x points on everything else. Redeem at 2,500 points = $25.
Travel Protections
Trip cancellation/interruption coverage, lost/damaged luggage insurance, and worldwide emergency services when you travel.
Enhanced Fraud Protection
24/7 fraud monitoring, zero liability on unauthorized transactions, ID theft protection, and emergency card replacement.
Digital Wallet Ready
Pay with Apple Pay, Google Pay, or Samsung Pay. Contactless transactions and real-time account alerts included.
No Annual Fee
Keep more of your rewards with no annual fee — ever.
Borrowing Bundle
Borrow with the rest of your finances in view
Loan decisions are easier when repayment, reserves, and everyday banking are connected.
Rewards Structure
Earn More Where It Matters
Summit rewards your everyday spending with bonus points in key categories.
4x
Restaurants
Full-service & fast food
2x
Gas, Travel & Utilities
Everyday essentials
1x
All Other Purchases
Unlimited earning
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
HOW DO I EARN THE 30,000 POINT WELCOME BONUS?
Make $3,000 in qualifying purchases on your Summit card within the first 90 days of account opening. The bonus points will be credited to your account automatically.
WHAT ARE THE CASH BACK REWARD TIERS?
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25.
DOES THE SUMMIT CREDIT CARD HAVE AN ANNUAL FEE?
No. The Summit Credit Card has no annual fee.
WHAT IS THE INTRODUCTORY APR OFFER?
0% introductory APR on all purchases for 12 months from account opening. After the intro period, the variable APR is 19.99% to 27.99%, based on creditworthiness.
WHAT TRAVEL PROTECTIONS ARE INCLUDED?
Summit includes trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services.
CAN I USE MY SUMMIT CARD WITH MOBILE WALLETS?
Yes. Summit supports Apple Pay, Google Pay, and Samsung Pay for contactless payments. You can also set up account alerts and view transactions online or in the BRB mobile app.
WHAT IS THE CREDIT LIMIT?
The limit is up to $5,000.
{endAccordions}
Important Disclosures
Summit® Rates, Fees & Disclosures
Review the full terms, rates, fees, travel coverage, and benefit guides before you apply.
{beginAccordions}
REWARDS & WELCOME BONUS TERMS
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25. Welcome bonus: earn 30,000 bonus points after $3,000 in qualifying purchases within the first 90 days of account opening.
APR & FEES
0% introductory APR on purchases for the first 12 months from account opening. After the intro period, a variable APR of 19.99% to 27.99% applies, based on creditworthiness and subject to change with the market. No annual fee.
TRAVEL PROTECTION TERMS
Travel benefits include trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services. Coverage terms, limits, and exclusions apply — see the Guide to Benefits for details.
GUIDE TO BENEFITS & DISCLOSURES
Review the full Mastercard Guide to Benefits for complete terms, conditions, and exclusions that apply to your card benefits.
MASTERCARD GUIDE TO BENEFITS (PDF)
{endAccordions}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
HOW DO I EARN THE 30,000 POINT WELCOME BONUS?
Make $3,000 in qualifying purchases on your Summit card within the first 90 days of account opening. The bonus points will be credited to your account automatically.
WHAT ARE THE CASH BACK REWARD TIERS?
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25.
DOES THE SUMMIT CREDIT CARD HAVE AN ANNUAL FEE?
No. The Summit Credit Card has no annual fee.
WHAT IS THE INTRODUCTORY APR OFFER?
0% introductory APR on all purchases for 12 months from account opening. After the intro period, the variable APR is 19.99% to 27.99%, based on creditworthiness.
WHAT TRAVEL PROTECTIONS ARE INCLUDED?
Summit includes trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services.
CAN I USE MY SUMMIT CARD WITH MOBILE WALLETS?
Yes. Summit supports Apple Pay, Google Pay, and Samsung Pay for contactless payments. You can also set up account alerts and view transactions online or in the BRB mobile app.
WHAT IS THE CREDIT LIMIT?
The limit is up to $5,000.
{endAccordions}
Important Disclosures
Summit® Rates, Fees & Disclosures
Review the full terms, rates, fees, travel coverage, and benefit guides before you apply.
{beginAccordions}
REWARDS & WELCOME BONUS TERMS
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25. Welcome bonus: earn 30,000 bonus points after $3,000 in qualifying purchases within the first 90 days of account opening.
APR & FEES
0% introductory APR on purchases for the first 12 months from account opening. After the intro period, a variable APR of 19.99% to 27.99% applies, based on creditworthiness and subject to change with the market. No annual fee.
TRAVEL PROTECTION TERMS
Travel benefits include trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services. Coverage terms, limits, and exclusions apply — see the Guide to Benefits for details.
GUIDE TO BENEFITS & DISCLOSURES
Review the full Mastercard Guide to Benefits for complete terms, conditions, and exclusions that apply to your card benefits.
MASTERCARD GUIDE TO BENEFITS (PDF)
{endAccordions}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
HOW DO I EARN THE 30,000 POINT WELCOME BONUS?
Make $3,000 in qualifying purchases on your Summit card within the first 90 days of account opening. The bonus points will be credited to your account automatically.
WHAT ARE THE CASH BACK REWARD TIERS?
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25.
DOES THE SUMMIT CREDIT CARD HAVE AN ANNUAL FEE?
No. The Summit Credit Card has no annual fee.
WHAT IS THE INTRODUCTORY APR OFFER?
0% introductory APR on all purchases for 12 months from account opening. After the intro period, the variable APR is 19.99% to 27.99%, based on creditworthiness.
WHAT TRAVEL PROTECTIONS ARE INCLUDED?
Summit includes trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services.
CAN I USE MY SUMMIT CARD WITH MOBILE WALLETS?
Yes. Summit supports Apple Pay, Google Pay, and Samsung Pay for contactless payments. You can also set up account alerts and view transactions online or in the BRB mobile app.
WHAT IS THE CREDIT LIMIT?
The limit is up to $5,000.
{endAccordions}
Important Disclosures
Summit® Rates, Fees & Disclosures
Review the full terms, rates, fees, travel coverage, and benefit guides before you apply.
{beginAccordions}
REWARDS & WELCOME BONUS TERMS
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25. Welcome bonus: earn 30,000 bonus points after $3,000 in qualifying purchases within the first 90 days of account opening.
APR & FEES
0% introductory APR on purchases for the first 12 months from account opening. After the intro period, a variable APR of 19.99% to 27.99% applies, based on creditworthiness and subject to change with the market. No annual fee.
TRAVEL PROTECTION TERMS
Travel benefits include trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services. Coverage terms, limits, and exclusions apply — see the Guide to Benefits for details.
GUIDE TO BENEFITS & DISCLOSURES
Review the full Mastercard Guide to Benefits for complete terms, conditions, and exclusions that apply to your card benefits.
MASTERCARD GUIDE TO BENEFITS (PDF)
{endAccordions}
Why Summit?
Premium Benefits, No Annual Fee
30,000 Point Welcome Bonus*
Spend $3,000 in the first 90 days and earn 30,000 bonus points. Plus, get a $25 credit when you sign up for a streaming service.
0% Intro APR
No interest on purchases for the first 12 months. After that, a competitive variable APR of 19.99% to 27.99%.
Premium Rewards Earning
Earn 4x points on dining, 2x points on gas, travel, and utilities, and 1x points on everything else. Redeem at 2,500 points = $25.
Travel Protections
Trip cancellation/interruption coverage, lost/damaged luggage insurance, and worldwide emergency services when you travel.
Enhanced Fraud Protection
24/7 fraud monitoring, zero liability on unauthorized transactions, ID theft protection, and emergency card replacement.
Digital Wallet Ready
Pay with Apple Pay, Google Pay, or Samsung Pay. Contactless transactions and real-time account alerts included.
No Annual Fee
Keep more of your rewards with no annual fee — ever.
Borrowing Bundle
Borrow with the rest of your finances in view
Loan decisions are easier when repayment, reserves, and everyday banking are connected.
Rewards Structure
Earn More Where It Matters
Summit rewards your everyday spending with bonus points in key categories.
4x
Restaurants
Full-service & fast food
2x
Gas, Travel & Utilities
Everyday essentials
1x
All Other Purchases
Unlimited earning
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
HOW DO I EARN THE 30,000 POINT WELCOME BONUS?
Make $3,000 in qualifying purchases on your Summit card within the first 90 days of account opening. The bonus points will be credited to your account automatically.
WHAT ARE THE CASH BACK REWARD TIERS?
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25.
DOES THE SUMMIT CREDIT CARD HAVE AN ANNUAL FEE?
No. The Summit Credit Card has no annual fee.
WHAT IS THE INTRODUCTORY APR OFFER?
0% introductory APR on all purchases for 12 months from account opening. After the intro period, the variable APR is 19.99% to 27.99%, based on creditworthiness.
WHAT TRAVEL PROTECTIONS ARE INCLUDED?
Summit includes trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services.
CAN I USE MY SUMMIT CARD WITH MOBILE WALLETS?
Yes. Summit supports Apple Pay, Google Pay, and Samsung Pay for contactless payments. You can also set up account alerts and view transactions online or in the BRB mobile app.
WHAT IS THE CREDIT LIMIT?
The limit is up to $5,000.
{endAccordions}
Important Disclosures
Summit® Rates, Fees & Disclosures
Review the full terms, rates, fees, travel coverage, and benefit guides before you apply.
{beginAccordions}
REWARDS & WELCOME BONUS TERMS
Earn 4 points per $1 at restaurants, 2 points per $1 on gas, travel, and utilities, and 1 point per $1 on all other purchases. Redeem points for cash back at 2,500 points = $25. Welcome bonus: earn 30,000 bonus points after $3,000 in qualifying purchases within the first 90 days of account opening.
APR & FEES
0% introductory APR on purchases for the first 12 months from account opening. After the intro period, a variable APR of 19.99% to 27.99% applies, based on creditworthiness and subject to change with the market. No annual fee.
TRAVEL PROTECTION TERMS
Travel benefits include trip cancellation and interruption coverage, lost/damaged luggage insurance, worldwide emergency services, medical evaluation and repatriation, and travel assistance services. Coverage terms, limits, and exclusions apply — see the Guide to Benefits for details.
GUIDE TO BENEFITS & DISCLOSURES
Review the full Mastercard Guide to Benefits for complete terms, conditions, and exclusions that apply to your card benefits.
MASTERCARD GUIDE TO BENEFITS (PDF)
{endAccordions}
*Rewards Terms for Summit and Edge Consumer
1. Who is eligible to participate in this Program – Accounts must be open and in good standing (not canceled or terminated by party; not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Awards are not available when a card holder is in default under the card agreement. To participate in this program, your account must have an open status and be available for you to use to make Purchases. Blue Ridge bank reserves the right to determine in our sole discretion whether a particular cardholder is eligible to participate in the program.
2. Automatic enrollment in this program – Your account will be automatically enrolled in the Program within 5 business days after we open your Account.
3. How to earn Rewards – After we enroll your account in the Program, you will earn points for purchases. Every dollar(s) in qualifying purchases in this Rewards Program (“Program”) earns Participant Point(s) (“Point”) as provided for in these Rules. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency charges, or insurance charges posted to their account. Points for this Program begin to accumulate with purchases Participant makes beginning on the first day of the billing cycle in which their Program begins and ending on the last day of the last billing cycle of the announced duration of their Program. Points earned from net purchases and point adjustments made between billing statement cycles will be deemed as earned after being posted to Participant’s next monthly statement.
4. Cash Back - The points earned for a purchase is calculated by multiplying a purchase by the applicable points multiplier as detailed below.
- 4x points – You will earn 4 points per $1 spent on qualifying purchases at merchants with the Merchant Category Codes for full services restaurants, cafes, cafeterias, and fast-food restaurants.
- 2x points – You will earn 2 points per $1 spent on qualifying purchases at merchants with the Merchant Category Codes for gas stations (in-store and at the pump), utilities, and groceries.
- 1x points – You will earn 1 point per $1 spent on all other qualifying purchases. Points can be redeemed for cash back, gift cards or merchandise
5. Redeeming your Rewards - Points can be used to order the awards described in the current brochure or the program website, which may be updated from time to time. Point requirements assigned to any award are subject to change from time to time without notice, and awards may be discontinued or substituted at any time. Cash rewards are redeemed in $25 increments. 2500 points = $25. Cash may be applied as a credit or transferred to a checking or savings account via the rewards website.
6. Any earned welcome bonus will be fulfilled as points and the points can be redeemed for cash back or other items described on the current program website.
7. Limits on redeeming your Rewards: Points will be deducted from the total points available for redemptions and for any returns or credits associated with the account. Points deducted for credits to an account will be at the same rate at which the original charges earned those points.
8. Disclaimers and limitations – This program is subject to change and may end at any time. Blue Ridge Bank is not responsible for any disputes between or involving cardholders relating to Rewards, or redemption of Rewards. You hereby release and hold us and all parties associated with the Program harmless from any claim, liability or damage relating to the Program.
9. Privacy - All information collected about you in connection with the Program is subject to our privacy policy, which can be found at mybrb.bank/privacy-policy.
Kasasa Cash CalculatorDisclaimer
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
Buy vs. Lease CalculatorDisclaimer
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
CD CalculatorDisclaimer
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%
Savings Goal CalculatorDisclaimer
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
Simple Loan CalculatorDisclaimer
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
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.