Kasasa Saver

Qualification Information: APY = Annual Percentage Yield.

To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back checking account during each Monthly Qualification Cycle: At least 12 PIN-based and/or signature-based debit card purchases, each $5.01 or more. Be enrolled in and have agreed to receive e-statements rather than paper statements. Be enrolled in and log into online banking. Maintain a valid email address on record with our credit union. For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based and/or signature-based debit card purchases must be at least $5.01. 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, PIN-based and/or signature based debit card purchases less than $5.01, debit card purchases processed by merchants and received by our credit union as ATM or bill pay transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "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 accountholder's account. Visit www.ffnm.org or call 800-342-8298 for one of our member service representatives for specific Statement Cycle dates.

Reward Information:

When your linked Kasasa Cash or Kasasa Cash Back checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Saver account will earn a 3.00% APY dividend rate and daily balances over $50,000.00 will earn a 0.50% APY dividend rate on the portion of the daily balance over $50,000.00, resulting in a Split rate that ranges from 3.00% to 1.33% APY depending on the account's total daily balance. You will receive reimbursements up to an aggregate total of $25.00 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash or Kasasa Cash Back checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash, Kasasa Cash Back or Kasasa Tunes checking account transactions via ATM. When your linked Kasasa Cash or Kasasa Cash Back checking account qualifications are not met, the entire daily balance in the Kasasa Saver account will earn a 0.05% APY dividend rate. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle.  When your Kasasa Cash or Kasasa Cash Back checking account qualifications are not met, no reward dividend rate is earned or no cash back payments are made, and ATM withdrawal fees are not reimbursed. Kasasa Cash dividends and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash checking account on the last day of the current statement cycle and will be transferred to your Kasasa Saver account the following day. Kasasa Cash Back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Saver account on the last day of the current statement cycle. APYs accurate as of 6/01/2026. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5.00 minimum deposit is required to open the account. Kasasa Tunes checking account is not eligible to link to Kasasa Saver account. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 Kasasa checking account(s) per membership account. Limit of 1 Kasasa Saver account per membership account. There are no recurring monthly maintenance charges or fees to open or close this account. If your linked Kasasa Cash or Kasasa Cash Back checking account is closed, the Kasasa Saver account must also be closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. This account is not to be used for commercial purposes. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.

Trademarks: Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.