Grow your money with high dividends — no monthly maintenance fee required. It’s our way of saying thanks for banking local.

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Key Features

  • No Monthly Maintenance Fee
  • Really High Dividend Earnings
  • Refunds on ATM Withdrawal Fees*
  • Free Digital Banking
  • Free checking ("share draft account") that pays high dividends
  • 1.50% APY* on balances up to and including $25,000
  • 1.50% to 0.44% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (Up to $20 per monthly qualification cycle)*
  • Link to Kasasa Saver® to build savings automatically
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Order your own customized checks
  • Free electronic services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Mastercard® debit card
  • Includes overdraft protection
  • Switch to Worcester CU in a couple of simple steps
  • $1 minimum deposit to open

It’s Easy to Earn Your Rewards

Just do a few simple things you're probably already doing. Enrollments must be in place and all of the following transactions and activities must post and settle to your account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases, each greater than $3
  • At least 1 ACH deposit per monthly qualification cycle
  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, your account is still free. Plus, you'll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*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 must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: twelve (12) PIN-based, signature based debit card purchases [each $3.00 or more], receive 1 or more ACH deposits during the statement cycle, and enroll and agree to receive e-statements rather than paper statements. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based, signature based debit card purchases less than $3.00, 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.

See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

 Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 1.50% resulting in an APY of 1.50%; and daily balances over $25,000 earn a dividend rate of 0.05% on the portion of the daily balance over $25,000, resulting in a range from 1.50% to .44% APY depending on the account's daily balance.

You will receive reimbursements up to an aggregate total of $20.00 nationwide ATM withdrawal fees incurred within your Kasasa Cash 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 or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Kasasa Cash 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 05/11/2021.

APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash 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.

$1.00 minimum deposit is required to open the account.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons will be required to meet some of the account's qualifications.

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.

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.

Member NCUA & MSIC.

Trademarks:

Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

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Worcester Credit Union is insured by both National Credit Union Administration (NCUA) and Massachusetts Credit Union Share Insurance Corporations (MSIC). The NCUA insures all deposits up to $250,000 per account owners. All deposits above the NCUA limits are fully insured by the MSIC.