Take your saving potential to the next level.
The automatic rewards transfers and competitive interest rates of Kasasa Saver® add up to big returns for your wallet.
Benefits You'll Love
- No minimum balance needed to earn rewards
- Automatic transfers make saving easy
- Bank on-the-go with our mobile app
- No monthly fees
- Free account that builds your savings effortlessly
- Links to free Kasasa Cash® or Kasasa Cash Back® checking
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 0.75% APY‡ on balances as much as $10,000 when qualifications are met
- 0.20% APY‡ on balance over $10,000
- 0.01% APY‡ on all balances, even if qualifications are not met
- No monthly maintenance fee
- Federally insured up to $250,000 by the NCUA
- No minimum balance to earn rewards
- Free digital banking services, including:
- Free online banking
- Free mobile banking with mobile deposit
- Free eStatements
- Free mobile banking
- No minimum deposit to open
It’s so 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 1 direct deposit or ACH payment transaction(s)
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
And if you don’t meet these qualifications, don’t worry — your accounts are still free. You’ll still earn our base rate on your Kasasa Saver balance, and you can get right back to earning your full rewards the very next cycle that you qualify.
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‡Bonus Information: As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $20.00 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first sixty (60) calendar days after your account is opened.
This refund will be credited to your account on the first processing/business day of the following statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $10.00 posts and settles to your account.
Any portion of this bonus that is not used within the stated time period will be forfeited.
No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.
Limit one (1) account per member number and one account opening bonus per account per calendar year.
If your Kasasa Cash, Kasasa Cash Back, Kasasa Tunes or Kasasa Saver account is closed within six (6) months of account opening, we will deduct the account opening bonus at closing.
Account opening bonus will not be paid if accountholder switches into a Kasasa Cash, Kasasa Cash Back, Kasasa Tunes or Kasasa Saver account from another account that offered an account opening incentive to open the initial account.
Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.
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, PIN-based, signature-based debit card purchases less than $20.00, 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 the current statement cycle.
See our website, www.kuefcu.com or contact one of our branch service representatives at 859-367-1230, for specific Monthly Qualification Cycle dates.
Reward Information:
Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:
Kasasa Saver: If qualifications are met: average daily balances up to and including $10,000.00 in your Kasasa Saver account earn an APY of 0.75% and average daily balances over $10,000.01 earn a dividend rate of 0.20% on the portion of the average daily balance over $10,000.01 resulting in a range from 0.20% to 0.75% APY depending on the account's average daily balance. If qualifications are not met: your Kasasa Saver account can earn 0.01% APY on the entire account balance.
Kasasa Tunes: you will receive up to an aggregate total of $10.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes debit card and must post and settle to your account no more than sixty (60) days after the Monthly Qualification Cycle in which you qualified ends.
You will receive reimbursements up to an aggregate total of up to $20.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash, Kasasa Cash Back or Kasasa Tunes 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 transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Saver: the entire average daily balance in the Kasasa Saver account earns 0.75% APY on any balance up to $10,000.00 or 0.20% APY on portion of balance over $10,000.00 if qualifications are met. If qualifications are not met, the entire average daily balance in the Kasasa Saver account earns 0.01% APY.
Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing/business day of the following statement cycle.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.
If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:
Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account balance is less than the transferred amount when the transfer occurs.
Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing/business day of the following statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 04/11/2022.
APY calculations are based on an assumed balance of $10,000.00 + $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.
No minimum deposit is required to open the Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account.
Non minimum deposit is required to open the Kasasa Saver account.
Monthly Direct Deposit/ACH credit, enrollment in online banking, enrollment in estatements are conditions of these accounts.
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 one account(s) per member 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.
Trademarks:
iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.
Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs) – Share, Education, IRA, and Roth IRA
| Period | Min Balance | Payment | Rate | APY* |
|---|---|---|---|---|
| 6 Month | $1,000.00 | Monthly | 4.451% | 4.501% |
| 1 Year | $1,000.00 | Monthly | 2.374% | 2.400% |
| 2 Years | $1,000.00 | Monthly | 2.472% | 2.500% |
| 3 Years ** | $1,000.00 | Monthly | 2.765% | 2.800% |
| 5 Years ** | $1,000.00 | Monthly | 2.862% | 2.900% |
Rates as of October 17, 2024.
* Annual Percentage Yield. Rates offered are subject to change without notice. Certificates of Deposits are subject to a penalty for early withdrawal.
** Certificate of Deposits with 3 or 5 year maturities, you can step-up your rate one time during the term of the certificate.
Christmas Club Accounts
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.20% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Credit Cards
| Type | Grace Period | Annual Fee | APR* |
|---|---|---|---|
| Visa Platinum | 25 days | $0.00 | As low as 9.90% |
Rates as of January 9, 2017.
* Annual Percentage Rate. Rates offered are subject to change without notice. Your rate may be higher based on your credit history.
Financial Services
KUE offers a full range of financial services.
| Service | Service Cost |
|---|---|
| Excessive Transaction Fee | $5.00 per transaction over 6 items per month (savings accounts) |
| Starter Checks | $2.50 per 8 Checks |
| Money Orders | 2 Free per Month, $1.00 for each additional |
| Cashier’s Check | $5.00 per request |
| Stop Payment | $10.00 per request |
| Returned Check | $30.00 per item |
| Courtesy Pay | $10.00 per item |
| Photo Copy | $2.00 per request |
| Copy of Statement | $5.00 per Month |
| Debit Card Replacement | $10.00 for 2nd request (and any additional requests) within a 12-month period |
| Outgoing Wire Transfer | $20.00 Domestic per request / $35.00 International per request |
| Incoming Wire Transfer | $5.00 per request |
| Dormant Account | $12.50 per quarter, after 2 years of inactivity |
| Notary Service | Free for Members |
Instructions To Wire Funds To KUE Federal Credit Union:
Wire Funds To:
Corporate One FCU
Columbus, OH
ABA Number: 244084264
Further Credit To:
KUE Federal Credit Union
Lexington, Kentucky
Account Number: 242186258
Final Credit To:
Your Name
Your KUE FCU Member/Account Number
Amount: $__________________
Note: For a guarantee on funds, ALL wire transfers must be deposited through Corporate One Federal Credit Union then deposited into KUE Federal Credit Union. For same day availability, all wire transfers must be called in before 3:00pm in order to post into the account the same day. If you have any questions please do not hesitate to call.
Home Equity Loan
| Type | Terms | APR* |
|---|---|---|
| Fixed Rate with Fixed Terms | Up to 10 years | As low as 6.75% |
Call Credit Union at (859) 367-1230 for current rates.
Rates effective as of August 1, 2023 and are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
* Annual Percentage Rate.
Home Equity Open-End Line of Credit
| Type | Terms | APR* |
|---|---|---|
| Home Equity Open-End Line of Credit | Up to 20 years | Prime minus 1% |
Call Credit Union at (859) 367-1230 for current rates.
Rates effective as of October 1, 2023 and are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
* Annual Percentage Rate.
Kasasa Cash
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 4.00% | 4.00% |
| $10,000.01 | Monthly | 0.25% | 0.25% |
Rates as of April 1, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Kasasa Saver
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.75% | 0.75% |
| $10,000.01 | Monthly | 0.20% | 0.20% |
Rates as of April 1, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Loan Savings Accounts
| Min Balance | Period | Rate | APY* |
|---|---|---|---|
| $5.00 | Monthly | 0.20% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Mortgage Loans
| Type | Terms | APR* |
|---|---|---|
| First Mortgage | Up to 30 years | Call for current fixed rate or apply online. |
Call Credit Union at (859) 367-1230 for current rates.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE mortgage loans.
Other Share/Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| IRA Shares | $5.00 | Monthly | 0.1998% | 0.20% |
| Education Shares | $5.00 | Monthly | 0.1998% | 0.20% |
| Roth IRA | $5.00 | Monthly | 0.1998% | 0.20% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Share Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| Regular Shares | $5.00 | Monthly | 0.20% | 0.20% |
| Regular Shares | $20,000.01 | Monthly | 0.80% | 0.80% |
| Special Shares | $5.00 | Monthly | 0.20% | 0.20% |
| Special Shares | $20,000.01 | Monthly | 0.80 % | 0.80% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.
Share Secured Loans
| Loan Type | Terms | APR* |
|---|---|---|
| Share Secured | Up to 72 months | 4% + Savings rate |
| Certificate Secured | Up to 72 months | 4% + CD rate |
Rates as of August 1, 2023.
* Annual Percentage Rate. Rates offered are subject to change without notice.
Signature Loans
| Loan Type | Terms | APR* |
|---|---|---|
| Unsecured | 24 months | As low as 9.50% |
| Unsecured | 36 months | As low as 10.50% |
Rates as of September 19, 2024.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
Vehicle Loans
100% Retail Value on Vehicles (Boats & RV’s)**
Lower your interest rate by taking advantage of the Rate Reduction Incentive.
| Loan Type | Terms | APR* |
|---|---|---|
| New | Up to 48 months | As low as 5.00% |
| New | 49 to 60 months | As low as 5.75% |
| Used Secured | Up to 48 months | As low as 6.00% |
| Used Secured | 49 to 60 months | As low as 6.75% |
Rates as of September 19, 2024.
* Annual Percentage Rate. Rates offered are subject to change without notice. This credit union and its policies comply with Equal Credit Opportunity Act. All credit offers and rates subject to approval. Rate based on credit eligibility and is subject to change. Your rate may be higher based on your credit history. Refinancing not available for existing KUE loans.
** 80% Retail Value on Recreation Vehicles.
Youth Savings Accounts
| Account | Min Balance | Period | Rate | APY* |
|---|---|---|---|---|
| Kids Club/Youth Account | $5.00 | Monthly | 2.00% | 2.00% |
| Kids Club/Youth Account | $1,500.01 | Monthly | 0.25% | 0.25% |
Rates as of October 2, 2023.
* Annual Percentage Yield. Calculation based on $100,000. Dormant fees could reduce the earnings on an account. Rates offered are subject to change without notice.