Personal Savings

A Hassle-Free Way to Let Your Money Add Up—Fast!

• $200 initial deposit.
• $200 minimum balance.
• $5 service charge fee per month if below minimum balance any day during the statement cycle.
• Interest compounded quarterly.
• Quarterly statements for statement savings.
• ATM Card.
• Click here to apply online.
• For a list of services, fees, and charges, click here.

Check out our current interest rates and start saving today.

For Children and Young Adults Under the Age of 18

• $10 initial deposit.
• No minimum balance.
• Interest compounded quarterly.
• Quarterly statements.
• For a list of services, fees, and charges, click here.

Check out our current interest rates and start saving today.

The Perfect Way to Save for Year End Expenditures

• Better return than normal savings when you get your Christmas "bonus".
• Minimum deposits needed to achieve goals.
• Yearly savings tiers of $250, $500, $750, $1000, and $1250.
• Take advantage of direct deposit and it’s even easier!
• Contact Yer Yang at (608) 784-3911 or by e-mail.
• For a list of services, fees, and charges, click here.

The Best Way to Save for Planned and Unplanned Health Expenses

• $50 initial deposit.
• No minimum balance.
• Monthly statement.
• Debit Card.
• For a list of services, fees, and charges, click here.

Call for yearly contribution limits.

Earn the Highest Return on Your Money

• Maintain a $1,000 minimum balance and earn a high variable interest rate.
• Maximum of six withdrawals per month.
• If your balance drops below $1,000 any day during the statement cycle, there is a service fee of $5.
• Monthly statements.
• Click here to apply online.
• For a list of services, fees, and charges, click here.

Check out our current interest rates and start saving today.

We offer a wide range of certificates of deposit options with lengths from 91 days to 42 months. Deposit limits may exist on some options. All certificates earn interest at a fixed rate determined on date of purchase. Below are the current rates. There is a substantial penalty for early withdrawal. Automatically renewable at the rate in effect on renewal date. For a list of services, fees, and charges, click here.

Save for your retirement and save on your taxes at the same time—with an IRA! Fixed rate plans are available to most wage earners. These accounts are insured separately by the Federal Deposit Insurance Corporation (FDIC) for up to $250,000. Below are the current rates. For a list of services, fees, and charges, click here.

*APY=Annual Percentage Yield. Rates subject to change. Fees may reduce earnings of the account daily balance. There is a penalty for early withdrawal.

Find Out How Your Savings Will Grow!

Enter how much you can afford to save each month, how long you can save that amount, and the interest rate on your savings. This calculator will display the eventual total.

Please note that this calculator is just an estimate. Come in and meet with a personal banker, e-mail or call us at (608) 784-9550 to find out just how much you can start saving today.

Check out our current interest rates and start saving today.

For a list of services, fees and charges click here.

When the Kasasa Saver requirements are not met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

When the Kasasa Saver requirements are met, the interest rate on your account and corresponding annual percentage yield (APY) is described in the chart below:

• The daily method is utilized to determine which rate will be applied.
• Your interest rate and APY may change at any time.
• Interest begins to accrue no later than the business day we receive credit for the non-cash items (for example, checks).
• Interest is compounded monthly. Interest will be credited to your account on the last day of each statement cycle. If you close your account before interest is credited, you will not receive the accrued interest.
• We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the principal in the account each day.
• The Kasasa Cash APY is based on compounding interest. Please be aware that the interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. As a result, the actual interest amount paid for Kasasa Cash may be less than the APY disclosed for that account. The Kasasa Saver APYs may be less than the Kasasa Cash APYs.
• You must deposit $50 to open this account.
• One account per Social Security Number
• We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal. A $25 fee will apply for any account that is closed within 6 months after opening.

Eligibility Requirements       

To qualify for Kasasa Saver rates, your Kasasa Cash account must meet the following qualifications during the monthly qualification cycle:

• Have at least 10 debit card point-of-sale transactions per “monthly qualification cycle” post and clear
• Receive your monthly statement electronically
• Have at least one direct deposit or one auto debit monthly (transaction must be over $1.00) post and clear

For Kasasa Saver a “monthly qualification cycle” starts on the last business day of a month and ends on the second to last business day of the next month. All requirements must post and clear your Kasasa Cash account during the monthly qualification cycle to be considered a qualifying account and receive the preferred rate for that month in both Kasasa Cash and Kasasa Saver. Transactions may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intrabank transfers do not account as qualifying ACH transactions. Interest is calculated and paid through the last calendar day of the month.

If you have met your eligibility requirements for the month in Kasasa Cash, we will refund domestic ATM fees up to $20 per month.