{"slug":"harborlight-credit-union-free-kasasa-cash-checking-rate","category":"bank","institutionSlug":"harborlight-credit-union","product":"Free Kasasa Cash Checking","title":"Harborlight Credit Union Free Kasasa Cash Checking: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"No minimum, 12 debit card purchases monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-11","reports":0,"openIssues":0,"states":["MI"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends and ATM withdrawal fee reimbursements credited on the last day of the current statement cycle","applyDomain":"harborlightcu.org","applyUrl":"https://www.harborlightcu.org/accounts/personal-checking/open-an-account.html","summary":"Earn 5.00% APY on balances up to $10,000 when you meet monthly qualifications (12 debit card purchases, online banking enrollment, electronic statements). Balances over $10,000 earn 0.59% on the excess. If qualifications are not met, the account earns 0.05% APY.","reqSteps":[],"finePrint":["Rates and rewards are variable and may change after account is opened","Account transactions and activities may take one or more days to post and settle","Limit 1 account per social security number","Federally insured by NCUA","APYs accurate as of 04/2023"],"apy":500,"apyTerm":"ongoing APY when qualifications met","listedOn":"2026-08-11","listedAt":"2026-08-11T13:07:43.238Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"harborlightcu.org rate page","url":"https://www.harborlightcu.org/accounts/personal-checking/open-an-account.html","checkedOn":"2026-08-11"}],"needsVerification":false}