# Mid Minnesota FCU Kasasa Cash Checking: 5.00% APY

Canonical: https://dealaka.com/offers/mid-minnesota-federal-credit-union-kasasa-cash-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY on balances up to $10,000)
- Requirement: 12 debit txns, 1 ACH, e-statements monthly
- Expires: no published end date
- Availability: Nationwide
- Institution: Mid Minnesota Federal Credit Union
- Verified: Aug 16, 2026 against mmfcu.org
- Field reports: 0

## Summary
Kasasa Cash Checking earns 5.00% APY on balances up to $10,000 when you meet monthly qualifications: 12 debit card purchases, 1 ACH debit or credit, and receipt of electronic statements. Balances over $10,000 earn 0.15% APY. If qualifications are not met, all balances earn 0.01% APY.

## Requirements
1. Make 12 debit card purchases each month.
2. Complete 1 ACH debit or credit transaction each month.
3. Enroll in and receive electronic statements.

## Fine print that matters
- Rates and rewards are variable and may change after the account is opened.
- Fees may reduce earnings.
- If account doesn't qualify for three consecutive months, account will be transferred out of kasasa product and into simply checking.
- APYs accurate as of 3/1/25.
- Account transactions and activities may take one or more days to post and settle.
- Without the monthly qualifications the rate is 0.01% APY.

## Sources
- mmfcu.org rate page <https://www.mmfcu.org/everyday-banking/checking> (checked Aug 16, 2026)

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