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Rates

Grow your cash cushion easily with automatic transfers of your Kasasa® checking rewards into your Kasasa Saver® account. As with any Kasasa account, there's no monthly maintenance fee. Enjoy saving and earning competitive interest on your ever-growing balance. Free online and mobile services let you stay on top of your savings anytime, anywhere.

  • 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
  • 1.00% interest rate [1.00 APY]* on balances up to $25,000
  • 1.00% to 0.50% APY on balances over $25,000 depending on balance in account*
  • 0.01% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free mobile banking
  • Free eStatements
  • No minimum deposit to open

Easy Banking Basics to Reap Your Rewards

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and log into online banking

It's really that simple. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month!

*Kasasa Saver

A Kasasa Cash or a Kasasa Cash Back account is required to have a Kasasa Saver.  A linked Kasasa Saver account is required for automatic savings.

Receipt of electronic statements is a condition of this account.  Enrollment in electronic services (e.g. online banking), receipt of electronic statements and monthly log-ons are required, and can be satisfied by enrolling at harvestbankmn.com.  Full requirements for Rewards are laid forth below.

Limit 1 account per social security number/individual taxpayer identification number.

If you do not meet rewards qualifications in three consecutive months, the Bank may convert your account at its discretion to whatever basic savings account we are offering at that time.  We will give you 30 days’ notice prior to converting your account.

Qualification Requirements

Rewards are defined as: Interest paid on balances based on the tiered APYs as described above

To qualify for Kasasa Saver Rewards, your attached Kasasa Cash or Cash Back Account must meet its Rewards Qualification Requirements, which are: You must access Online Banking at least one time during the Monthly Qualification Cycle and 12 Point of Sale debit card transactions must post and settle during the Monthly Qualification Cycle.  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 accounts rewards.  The following activities do not count toward the 12 Point of Sale debit card transaction:  ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our bank.  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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. 

Important- Interest payments, cash back, and ATM fee reimbursements from your linked Kasasa Checking Account will be transferred to your Kasasa Saver account within one day of being deposited.  Rates and rewards are variable and may change after account is opened.  Fees may reduce earnings and rates are accurate as of 11/01/2018.  APY stands for Annual Percentage Yield.