# Timberline FCU Free Kasasa Cash Checking: 4.00% APY

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

- Status: Limited reports
- Bonus: 4.00% APY
- APY: 4.00% (ongoing APY when qualifications are met)
- Requirement: 12 debit txns + online banking + e-statements monthly
- Expires: no published end date
- Availability: AR (AR)
- Institution: Timberline Federal Credit Union
- Verified: Aug 15, 2026 against timberlinefcu.org
- Field reports: 0

## 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.

## Requirements
1. Make at least 12 debit card purchases each month.
2. Be enrolled in and log into online banking.
3. Be enrolled in and have agreed to receive e-statements rather than paper statements.

## Fine print that matters
- 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.

## Sources
- timberlinefcu.org rate page <https://www.timberlinefcu.org/accounts/personal-checking/compare-accounts.html> (checked Aug 15, 2026)

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