{"slug":"timberline-federal-credit-union-free-kasasa-cash-checking-rate","category":"bank","institutionSlug":"timberline-federal-credit-union","product":"Free Kasasa Cash Checking","title":"Timberline FCU Free Kasasa Cash Checking: 4.00% APY","bonus":"4.00% APY","unit":"cash","amount":0,"reqShort":"12 debit txns + online banking + e-statements monthly","expiresOn":null,"status":"live","verifiedOn":"2026-08-15","reports":0,"openIssues":0,"states":["AR"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Dividends will be credited to your Kasasa Cash account on the first processing day of the following statement cycle.","applyDomain":"timberlinefcu.org","applyUrl":"https://www.timberlinefcu.org/accounts/personal-checking/compare-accounts.html","summary":"Earn 4.00% APY on balances up to $15,000 when you complete monthly qualifications: make at least 12 debit card purchases, log into online banking, and enroll in e-statements. Balances over $15,000 earn 0.74% to 4.00% depending on the amount. If qualifications are not met in a month, the rate drops to 0.05% APY.","reqSteps":["Make at least 12 debit card purchases each month.","Be enrolled in and log into online banking.","Be enrolled in and have agreed to receive e-statements rather than paper statements."],"finePrint":["APY is variable and may change after account is opened without notice","Rates, rewards, and bonuses are variable and may change after account is opened without notice to you","Account can be converted to a different share draft account or closed if not used consistently over 6 consecutive statement cycles","Small debit card transactions conducted on the same day at a single merchant or condensed time period are not considered normal spending and will not count toward qualifying for account rewards","If account is closed before rewards are credited, you will forfeit the rewards","Limit of 1 account per membership","Without the monthly qualifications the rate is 0.05% APY."],"apy":400,"apyTerm":"ongoing APY when qualifications are met","listedOn":"2026-08-15","listedAt":"2026-08-15T13:04:01.123Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"timberlinefcu.org rate page","url":"https://www.timberlinefcu.org/accounts/personal-checking/compare-accounts.html","checkedOn":"2026-08-15"}],"needsVerification":false}