Kasasa Saver®
Turn your Kasasa® checking rewards into dividend-earning savings.
Effortless rewards become effortless savings.
No Fees | No Minimums | Higher Dividends
An effortless way to build your savings. The interest or cash back you earn from checking automatically transfers to this account where it earns more than a typical savings account. It’s basically dividends on dividends.
A Better Destination for Checking Rewards
If you qualify for rewards with your Kasasa Cash® or Kasasa Cash Back® account, you also automatically qualify for the best Kasasa Saver® rate.** Each month, you’ll just need to make 15 debit card purchases and post one direct deposit or automatic withdrawal.

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Get a Kasasa® checking account
Choose from high-yield or cash back.
Kasasa Cash®
Kasasa Cash Back® -
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Transfer rewards automatically
Your Kasasa® checking rewards automatically transfer to your Kasasa Saver® account.
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Earn APY*
Earn APY* on all Kasasa Saver® balances up to $100,000, including your transferred rewards.
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*1.00% APY* on balances up to $100,000. 1.00% to 0.63% APY on balances over $100,000 (varies by balance).* 0.05% APY* if qualifications aren’t met. View all service fees and account Terms & Conditions. **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 checking account during each Monthly Qualification Cycle. 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 credit union as ATM transactions, PIN-based, signature based 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us as www.FitzsimonsCU.com or call us at (303) 340-3343 to speak with one of our branch service representatives for specific Monthly Qualification Cycle dates. Reward Information: When your linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your Kasasa Saver account earn an APY of 1.00% and daily balances over $100,000.00 earn a dividend rate of 0.250 % on the portion of the daily balance over $100,000.00, resulting in a range from 1.00% to 0.63% APY depending on the account’s daily balance. When your linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.049%% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 09/01/2024. APY calculations are based on an assumed balance of $100,000.00 + $100,000.00 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. No minimum deposit is required to open the account. Monthly eStatements are a condition of this account. Limit of one (1) account per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. 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. Your Savings Insured To $250,000 Per Account, American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. Trademarks: Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Rates
Type of Account | Minimum Balance** | Dividend Rate1 | APY1 |
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Kasasa Saver (If qualifications are met)^ |
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Kasasa Saver (If qualifications are met)^ |
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Kasasa Saver (If qualifications are met)^ |
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Rates effective as of: May 13, 2025
Disclosures
^ 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 credit union as ATM transactions, PIN-based, signature based 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us at FitzsimonsCU.com or call us at 303-340-3343 to speak to a member service representative for specific Monthly Qualification Cycle dates.
Reward Information: When your Kasasa Cash/Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 receive a non-compounding APY* of 3.00% and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000, resulting in a range from 3.00% to 0.80% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash/Cash Back 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. When your Kasasa Cash/Cash Back qualifications are not met, all balances earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash/Cash Back account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield. APYs accurate as of 03/01/2020 APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash/Cash Back 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 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. No minimum deposit is required to open the account. No minimum deposit is required to open the Kasasa Saver account. Monthly eStatements are a condition of these account(s). See accompanying schedule of Consumer Fees and Changes for fees that may apply to this account. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash/Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member 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 and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Type of Account | Minimum Balance** | Dividend Rate1 | APY1 |
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Share Savings |
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Money Market Advantage 1 *† |
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Money Market Advantage 2 *† |
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Money Market Advantage 3 *† |
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Money Market Advantage 4 *† |
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Money Market Advantage 5 *† |
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Money Market Advantage 6 *† |
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3 Month Certificate |
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6 Month Certificate |
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12 Month Certificate |
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18 Month Certificate |
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24 Month Certificate |
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30 Month Certificate |
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36 Month Certificate |
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48 Month Certificate |
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60 Month Certificate |
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Traditional Contributory IRA |
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6 Month Traditional IRA Certificate |
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12 Month Traditional IRA Certificate |
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30 Month Traditional IRA Certificate |
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60 Month Traditional IRA Certificate |
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Contributory Roth IRA |
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6 Month Roth IRA Certificate |
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12 Month Roth IRA Certificate |
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30 Month Roth IRA Certificate |
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60 Month Roth IRA Certificate |
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Contributory Education IRA |
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6 Month Education IRA Certificate |
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12 Month Education IRA Certificate |
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30 Month Education IRA Certificate |
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60 Month Education IRA Certificate |
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Rates effective as of: May 13, 2025
Disclosures
1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.
* Money Market Advantage Accounts pay dividends based on a balance limit rate table. The minimum average daily balance required to receive dividends is $2000.
** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.
† Additions allowed
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