ask for kasasa cash®
Earn high dividends of up to 5.12% APY* on your Kasasa Cash® checking account. With a balance up to $25,000, you can grow your funds up to $104 in monthly dividends!
earn high dividends up to 5.12% APY*
Kasasa Cash® Checking Rates & Qualifications
APY* | Balance Tier | Monthly Qualifications |
|---|---|---|
5.12% | Up to $25,000mm | • Enroll in eStatements • At least 1 recurring direct deposit or outside transfer • 20+ qualifying debit or Canopy credit card purchases |
2.02% | Up to $25,000 | • Enroll in eStatements • 12+ qualifying debit or Canopy credit card purchases |
0.50% | Over $25,000 (if qualifications met) | Same as above for 5.12% or 2.02% |
0.01% | All balances (if qualifications not met) | No qualifications required |
Kasasa Saver® Linked Savings Rates
APY* | Balance Tier | Qualifications |
|---|---|---|
3.04% | Up to $50,000 | Must meet Kasasa Cash® checking qualifications |
1.00% | Over $50,000 | Must meet Kasasa Cash® checking qualifications |
0.01% | All balances | If qualifications are not met |
* If you don’t qualify one month, don’t worry. You can get right back to earning rewards the very next cycle.
earn up to 3.04% APY* on your savings up to $50,000
What if you have a bigger balance? You can earn up to 3.04% on your savings account balance up to $50,000! That’s up to $135 in dividends per month! The Kasasa Saver® savings account links to your high-dividend checking account to build savings automatically.
- Earn 1.00% APY* on any balances over $50,000
- Earn 0.01% APY* even if you don't qualify
* Annual Percentage Yield. APYs are accurate as of 1/1/2026. Rates may change after account opening. Kasasa Cash Checking: 5.12% APY or 2.02% APY on balances up to $25,000, 0.50% APY on balances above $25,000. Kasasa Saver Account: 3.04% APY on balances up to $50,000, 1.00% APY on balances above $50,000. 0.01% APY if qualifications are not met. Subject to qualifying factors being met during each qualification cycle. Fees may reduce earnings.
Click to open account disclosures: *Kasasa Checking Fine Print
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High-dividend checking accounts give you earnings at a higher rate, fewer fees, and more money working for you. The more you meet the required conditions and maintain the minimum account balance, the more you can grow your funds annually with dividends.
At Canopy Credit Union, membership means more than just high-yield accounts. You’ll gain access to exclusive benefits, including financial coaching, insurance services, and smart tools to help you make the most of your money.
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frequently asked questions
A high-dividend checking account combines the advantages of both savings and checking accounts. Unlike traditional checking accounts, savings accounts from credit unions earn dividends. However, unlike savings accounts, checking accounts have no withdrawal limits.
Your high-dividend checking account at a federal credit union like Canopy Credit Union is federally insured up to $250,000 by the NCUA. That means your money is automatically protected, giving you peace of mind no matter what the economy does.
We use the average daily balance method to calculate the dividends on your Kasasa account. That means your dividends are based on the average balance in your account each day during the dividend period.
Check out our at-a-glance table to help you understand the dividends you'll earn by how much money you have in your high-yield checking account
Our high-dividend checking account comes with a debit card you can use for everyday purchases, ATM access, online banking, loan payments, and more. These accounts are designed for personal use to help you make the most of your everyday banking.
Our Kasasa Cash® high-dividend checking account has the following benefits:
- Free Bill Pay
- Real-time fraud security alerts
- Dividends paid monthly
- Electronic statements
- Online check reorders
- Option to activate automatic overdraft protection from your savings or Visa
- Option to set up automatic transfers to loan or share accounts
- Option to set up direct deposit of your paycheck(s)
Explore our other checking account options that reward you with cash with Cashback Checking Accounts.
With a high-dividend checking account at Canopy Credit Union, you can access your money anytime without withdrawal restrictions. There are no penalties for this account, simply growth. Keep a minimum balance to qualify for the highest APY and maximize your dividend rate at the end of the year.