Saving is best when it’s simplest — and free. Build your balance automatically each month with Kasasa Saver®.


Key Features

  • No Monthly Maintenance Fee
  • Automatic Savings
  • High Dividend Earnings
  • Free Digital Banking
  • Free account (DDA) that builds your savings effortlessly
  • Links to free Kasasa Cash® and Kasasa Cash Back® checking
  • Automatic transfers of Kasasa Cash earnings
  • 0.50% APY on all Kasasa Saver balances up to and including $50,000
  • 0.50 % to 0.34% APY on balances over $50,000 depending on balance in account
  • 0.01% APY if qualifications are not met in Kasasa Cash or Kasasa Cash Back®
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free electronic services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
  • Mastercard® debit card
  • $1 minimum deposit to open

It’s Easy to Earn Your Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. 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 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.

Kasasa Cycle and Statement Calendar

note: "DDA" = Demand Deposit Account

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) debit card purchases [each $3.00 or more], at least one (1) ACH deposit transaction, 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, debit card purchases less than $3.00, debit card purchases processed by merchants and received by our credit union as ATM 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 linked Kasasa Cash, Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Saver account earn an APY of 0.50% and daily balances over $50,000.00 earn a dividend rate of 0.25 % on the portion of the daily balance over $50,000.00, resulting in a range from 0.50% to 0.34% APY depending on the account's daily balance.

When your linked Kasasa Cash, Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.01% resulting in an annual percentage yield of 0.01% 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 01/01/2021.

APY calculations are based on an assumed balance of 50,000.00 + $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.

$1.00 minimum deposit is required to open the account.

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

Limit of one (1) checking and one (1) savings per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash or a Kasasa 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 credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.


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

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Worcester Credit Union is INSURED by 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 NCUA limits are fully insured by MSIC.

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