# Harborlight Credit Union Free Kasasa Cash Checking: 5.00% APY

Canonical: https://dealaka.com/offers/harborlight-credit-union-free-kasasa-cash-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY when qualifications met)
- Requirement: No minimum, 12 debit card purchases monthly
- Expires: no published end date
- Availability: MI (MI)
- Institution: Harborlight Credit Union
- Verified: Aug 11, 2026 against harborlightcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Free Kasasa Cash Checking.
2. Complete the requirement: No minimum, 12 debit card purchases monthly.

## Fine print that matters
- 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

## Sources
- harborlightcu.org rate page <https://www.harborlightcu.org/accounts/personal-checking/open-an-account.html> (checked Aug 11, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._