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BTC Bank

Deposit Account Rates

Information current as of: December 10, 2020
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Kasasa® Cash Back
Earn 4.00% Cash Back up to $10.00 monthly reward*

Kasasa® Cash
Tier Daily Balance Range Interest Rate APY
1 < $10,000 2.47% 2.50%
2 ≥ $10,000 0.30% 2.50% - 0.50%
Kasasa® Saver

Tier Daily Balance Range Interest Rate APY*
1 < $50,000 0.75% 0.75%
2 ≥ $50,000 0.30% 0.75% - 0.45%
BTC Kasasa® Kids Savings

Tier Daily Balance Range Interest Rate APY*
1 < $2,500
2.50% 2.53%
2 ≥ $2,500
 0.30% 2.53% - 0.30%
Regular Checking & Savings 

Min Deposit Interest Rates APY*
Regular Savings $100.00 0.35% 0.35% 
Personal NOW Checking $1,000.00 
0.15%  0.15% 

* For Kasasa accounts, see disclosures below for further information about applicable fees, terms and account conditions and qualifications.
* Fees could reduce earnings on the account.
* The interest rate on the Kasasa Cash, Kasasa Saver, BTC Kasasa Kids Savings, NOW Checking, and Passbook Savings can change at any time.
For questions please call 1-660-425-7285 or toll free 1-877-BTC-BANK.
Certificate of Deposit
Term Min. Deposit Interest Rates APY*
60 months $500 2.14% 2.15%
48 months $500 
2.14% 2.15%
36 months $500 
1.99% 2.00%
30 months $500 
1.99% 2.00%
24 months $500 
1.99% 2.00%
18 months $500 
2.98% 3.00%
12 months $500 
2.98% 3.00%
182 days
91 days $500 
1.05% 1.05%
* For Certificates of Deposit a penalty will be imposed for early withdrawal.
* Rates are subject to change and may change during the ten day pending period of your CD.
* Fees could reduce earnings on the account.
Tiered Money Market

Tier Daily Balance Interest Rate APY*
1 < $50,000 1.49% 1.50% 
2 ≥ $50,000 < $150,000
3 ≥ $150,000 < $250,000
4 ≥ $250,000 < $500,000
5 ≥ $500,000+
The minimum balance required to open this tiered money market account is $2,500.00.

A service charge of $5.00 will be imposed every statement cycle if the daily balance on any day of the statement cycle falls below $1,000.00. Fees could reduce earnings on the account. Transaction Limits: Transfers from an insured money market account (IMMA) to another account or to third parties by pre authorized, automatic, telephone or computer are limited to six per monthly statement cycle. The interest rate on your account can change at any time.
* 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. “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. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000 receive APY of 2.50%; and balances over $10,000 earn 0.30% interest rate on the portion of balance over $10,000, resulting in a range from 2.50% to 0.50% APY* depending on the account’s balance. Kasasa Cash Back: 4.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY of 0.75% and balances over $50,000 earn 0.30% interest rate on the portion of balance over $50,000, resulting in a range from 0.75% to 0.45% APY depending on the account’s balance. ATM Fee Refunds: you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn 0.01% APY; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield. APYs accurate as of today’s date. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $100.00 minimum deposit is required to open a Kasasa account. Monthly Direct Deposit/ACH credit or debit, enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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