Say "hi" to 6.00% APY*
When you Kasasa® you gain access to free checking with the high interest that boosts balances with ease.
Benefits You'll Love
- Earn really high interest
- No monthly maintenance fees
- No minimum balance to earn rewards
- ATM withdrawal fee refunds
-
A rate of 6.00% APY on balances up to and including $20,000
- Up to $25.00 refunds on your ATM fees nationwide
- No monthly maintenance fees, ever
- No minimum balance to earn your rewards
To receive rewards, it's as easy as meeting these monthly qualifications:
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
If you don't qualify, no problem! You still have a free checking account that pays the base dividend rate.
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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, 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 or contact one of our branch service representatives 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 Cash: average daily balances up to and including $20,000 in your Kasasa Cash account earn a dividend rate of 5.841% resulting in an APY of 6.00%; and average daily balances over $20,000 earn a dividend rate of 0.995% on the portion of the average daily balance over $20,000, resulting in a range from 6.00% to 1.83% APY depending on the account's average daily balance.
Kasasa Cash Back: you will receive 4.00% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back or 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.
Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:
Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.05% APY.
Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle.
The cash back payments and nationwide ATM withdrawal fee reimbursements earned will be credited to your Kasasa Cash Back account on the first processing 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 be 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 automatically be transferred to your Kasasa Saver account within one day.
APY = Annual Percentage Yield.
APYs accurate as of 08/01/24.
APY calculations are based on an assumed balance of $110,000 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 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.
A $25 minimum deposit is required to open the account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account's qualifications.
Limit of one (1) account(s) per SSN.
There are no recurring monthly maintenance charges or fees to open or close this account.
A Kasasa Cash Back or Kasasa Cash 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
Trademarks:
Experian is a registered trademark of Experian Information Solutions, Inc.
Kasasa, Kasasa Cash Back, Kasasa Cash, Kasasa Saver and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.
Membership restrictions may apply. Kasasa Protect is an optional, separate, add-on, fee-based offering that provides identity theft, fraud protection and breach resolution assistance through CSID, an independent third-party, owned by Experian Partner Solutions. Kasasa Protect requires your (a) explicit authorization ("opt-in"), (b) enrollment in and (c) activation of Services. Monitoring and resolution services begin upon enrollment and credit services begun upon authentication of your identity (collectively "Services"). Kasasa Protect is provided for a separate monthly fee of $7.99 if you are a Kasasa accountholder. Services fees will be automatically debited from your checking account on the third (3rd) of each month and will begin the month following your enrollment. Services will end within five (5) days of a cancellation request being processed by our bank. Fees will end one (1) day after our bank processes your cancellation request. The current month's fee will not be reimbursed or prorated upon cancellation. Fees, services and providers are variable and may change, with proper notification, after enrollment. Terms and conditions as well as full enrollment, activation, authentication and cancellation instructions can be retrieved at one of our branch locations or online by entering this url into your browser: secure.kasasaprotect.com.
Federal Notice: Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. Credit Union Notice: Our credit union shall not have any liability for the accuracy of the information contained in the credit reports provided through these services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Protect does not include the ability to place or release credit freezes on your credit report since the credit bureaus, in accordance with the Economic Growth, Regulatory Relief and Consumer Protection Act, are to provide these capabilities for free after September 21, 2018.
Kasasa Protect is a trademark of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Partner Solutions, Inc.
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 dividends 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 Certificate 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
IRA Share Certificates
Term | Rate | APY |
---|---|---|
6 Month | 3.929% | 4.00% |
12 Month | 4.169% | 4.25% |
18 Month | 3.832% | 3.90% |
36 Month | 3.446% | 3.50% |
48 Month | 3.446% | 3.50% |
60 Month | 3.446% | 3.50% |
Minimum of $500.00 required to open an IRA Share Certificate.
IRA Shares
Balance | Rate | APY |
---|---|---|
$0.01 - $4,999.99 | 0.20% | 0.20% |
$5,000.00+ | 0.40% | 0.40% |
Kasasa Cash*
Balance | Rate | APY |
---|---|---|
0 - $20,000 | 5.84% | 6.00% |
$20,000+ | 0.99% | 6.00% to 1.83% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Kasasa Saver*
Balance | Rate | APY |
---|---|---|
0 - $25,000 | 1.98% | 2.00% |
$25,000+ | 0.80% | 2.00% to 0.50% |
All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
- Use your Texasgulf FCU Debit Card at least 12 times per month
- Sign up for eStatements
- Sign up and log into Online Banking at least once per month
Loan Rates
Term | Rates start as low as |
---|---|
New or used vehicle up to 36 months. | as low as 4.49% |
New or used vehicle up to 48 months | as low as 5.89% |
New or used vehicle 49 - 72 months | as low as 6.39% |
New vehicle up to 84 months | as low as 7.00% |
Personal loans | as low as 8.95% |
Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. up to 48 months | as low as 6.99% |
Other collateral such as farm equipment, boat, RV, trailer, motorcycle, airplane, etc. 49 to 72 months | as low as 7.99% |
Large collateral items Please call for more information 84 to 180 months | as low as 8.25% |
MasterCard® | as low as 7.99% |
Secured MasterCard® | 12.00% |
Share Secured | 3.25% |
Certificate Secured | Certificate rate + 1.25% |
Rates are based on your credit worthiness and may be higher than the rates listed above. Please check with your loan officer for your exact rate.
Money Market Account
Balance | Rate | APY |
---|---|---|
$0.01 - $1,999.99 | 0.00% | 0.00% |
$2,000.00 - $9,999.99 | 0.50% | 0.50% |
$10,000.00 - $49,999.99 | 1.00% | 1.00% |
$50,000.00+ | 1.74% | 1.75% |
Minimum balance of $2,000.00 required to open and earn dividend.
Share Certificates
Term | Rate | APY |
---|---|---|
6 Month | 3.929% | 4.00% |
12 Month | 4.169% | 4.25% |
18 Month | 3.832% | 3.90% |
36 Month | 3.446% | 3.50% |
48 Month | 3.446% | 3.50% |
60 Month | 3.446% | 3.50% |
Minimum of $500.00 required to open a share certificate.
Shares
Balance | Rate | APY |
---|---|---|
$25.00 - $499.99 | 0.10% | 0.10% |
$500.00 - $4,999.99 | 0.15% | 0.15% |
$5,000.00 - $24,999.99 | 0.15% | 0.15% |
$25,000.00+ | 0.20% | 0.20% |