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Savings
Accounts

Rates current as of September 1, 2025. 

no matter what you’re saving for, we’ve got an account that fits your life.

  • kasasa saver® account
  • Linked to Kasasa Cash or Cash Back checking account
  • Earn 2.27% APY on balances up to $100,000
  • Earn 3.30% above $100,00.01 through $250,000
  • 0.01% APY if you don’t qualify

Perks:

  • Automatic savings from linked checking
  • Daily dividends, paid monthly
start saving
  • Qualifications for all Kasasa® Accounts

Each monthly qualification cycle:

  • Be enrolled in and agree to receive eStatements
  • Make a combined total of at least 12 Canopy Classic and/or Rewards card purchases
  • kasasa cash® account

Rewards Checking + Savings Power:

  • Earn 2.02% APY on balances up to $25,000
  • Earn 4.07% APY with recurring direct deposit & 20 qualifying purchases
  • 0.50% APY on balances over $25,000
  • 0.01% APY if you don’t qualify

Perks:

  • Link to Saver Account for automatic savings
  • No minimum balance required
start saving
*Annual Percentage Yield. APYs are accurate as of 11/1/2026. Rates may change after account opening. Kasasa Cash Checking: 4.07% APY or 2.02% APY on balances up to $25,000, 0.50% APY on balances above $25,000. Kasasa Saver Account: 2.27% APY on balances up to $100,000, 3.30 APY on balances from $100,000.01and up to and including $250,000 and 1.00% APY on balances above $250,000. 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

june 1st transfer

» summer club savings

This is a savings account for your summer vacations, projects, back-to-school shopping or whatever you’d like! 

Set a monthly amount you'd like to transfer to your Summer Club Account automatically, and on June 1st, your accumulated total will transfer into your Canopy savings account. Just in time for your summer expenses!

    • Earn 2.02% APY*
    • Deposit between $5 to $500 monthly through automatic payments
    • Open your account with any amount up to $500
    • Money is deposited into your savings account on June 1st ... just in time to enjoy your summer

*APY= Annual Percentage Yield. Rates subject to change. $5.00 minimum monthly direct deposit required - sorry, deposits can't be made online, in-person or over the phone. If you withdraw funds from your Summer Club Account before the June 1st transfer date, dividends earned to date will be forfeited.

Start Saving Today!

november 1st transfer

» holiday club savings

This is a savings account for your holiday shopping, vacations or whatever you’d like! 

Set a monthly dollar amount you'd like to save in your Holiday Club Account. On November 1st, your accumulated total will transfer into your Canopy savings account, ready for your holiday expenses!

    • Earn 2.02% APY*
    • Deposit between $5 to $500 monthly through automatic payments
    • Open your account with any amount up to $500
    • Money is deposited into your savings account on November 1st ... just in time for the holidays.

*APY= Annual Percentage Yield. Rates subject to change. $5.00 minimum monthly direct deposit required - while we cannot make deposits online, we are happy to do so on the phone or in-person at one of our branches. If you withdraw funds from your Holiday Club Account before the November 1st transfer date, dividends earned to date will be forfeited.

 

Just in time for the holidays!!
A happy mother and daughter laughing.
  • term share accounts

Opening a Term Account is an easy way to grow your savings with higher dividends. Simply leave your funds in the account for the selected term, and watch your money earn more. A minimum deposit of $500 gets you started.

  • Term Shares are available in 6, 12, 18, 24, and 36 month intervals.

We compute your dividends every day and pay them monthly.

Note: Early withdrawals may apply a fee.

apply today
  • share II account

Your Share Account is your first step to saving with Canopy. Every member gets one, and a $5 deposit + a membership fee is all it takes to open. Dividends are calculated daily and paid monthly — helping your savings grow a little more every day.

apply today
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