Our Checking Rates

Compare Kasasa Cash and Cash Back Checking

Get rewarded with high rates or cash back when you open a Kasasa Rewards Checking Account! Use the chart below to find the best option for your lifestyle. And when you are ready to make the switch, we will make moving your direct deposits and automatic payments from your old financial institution to your new HRCCU account fast and easy with our free ClickSWITCH app.

Kasasa Cash® Checking Kasasa Cash Back® Checking
Best For High Balances Debit Card Use
  • 1.00% APY* on balances up to $25,000
  • 0.25% APY* on balances over $25,000*
  • 0.05% APY* if qualifications aren’t met
  • Free Kasasa Saver® to build savings automatically
  • 3.00% cash back on debit card purchases*
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $108 cash back per year, $9 per month
  • Link to free Kasasa Saver® to build savings automatically
No Minimum Balance Requirement
No Monthly Maintenance Fee
ATM Withdrawal Fee Refunds (up to $15 per month)*
Free Access to online and mobile banking
Free Visa® Debit Card
Check Order Fees First order of 80 free BASIC Checks First order of 80 free BASIC Checks
Minimum Opening Deposit $0 $0
Courtesy Pay Protection
FREE Audio Response
FREE eStatements
Mobile Payments
* APY = Annual Percentage Yield. APYs accurate as of 3/01/2021. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum deposit is required to open an account. Limit of one account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close an account. A $15 fee will apply for any account that is closed within 90 days. This account is not to be used for commercial purposes.  You will automatically qualify for the account’s rewards during your account’s first statement cycle. Rewards less than a penny cannot be distributed. Fees may reduce earnings. If the account is closed, you will forfeit any rewards that have not been credited to your account. To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa account during each Monthly Statement Cycle: (a) at least 12 POS debit card purchases, each $5.00 or more, (b) be enrolled in and log into online banking, (c) be enrolled in and have agreed to receive e-statements rather than paper statements, (d) Maintain a valid email address on record with the credit union. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, PIN-based or signature based debit card purchases less than $5.00, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based or signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. You can view a complete list of account disclosures here. Specific Monthly Qualification Cycle dates can be viewed here. Contact Hudson River Community Credit Union for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Kasasa Rewards Checking

Earn some serious cash rewards with these free Kasasa accounts.

Get rewarded with high rates or cash back when you do simple banking activities you probably already do, like using your debit card. Our Kasasa Cash® and Cash Back® checking accounts have no monthly service fees and no minimum balance. Just meet the minimum requirements each month and earn your rewards. It’s that simple!

Apply Today
Kasasa Cash

Get free checking that earns a high rate.

Kasasa Cash® pays cash rewards like high dividends on your balance and nationwide ATM withdrawal fee refunds!* Just do some simple, everyday banking basics and watch your earnings rise with your monthly balance.

Learn More
Kasasa Cash Back

Get rewarded with refunds on debit card purchases and more.

Get cash back on debit card purchases, plus refunds on ATM withdrawal fees — nationwide.* With rewards like these, you might just feel like you get paid to shop!

Learn More
Choice Checking

Open a Choice Checking® Account Today!

Free checking account with no minimum balance requirement, no monthly fees and no frills.

Apply Today
Premier Checking

Open a Premier Checking Account Today!

This dividend bearing account is designed for those who maintain higher monthly balances. A $500 minimum balance is required. Free unlimited basic checks.

Apply Today

Premier Checking Rates

As your balance grows, your interest rate may increase too.

Average Monthly BalanceInterest RateAPY
$0.01 - $2,4990.00%0.00%
$2,500 and up0.00%0.00%

Switch your accounts with ease.

ClickSWITCH makes the transition of switching your direct deposits and recurring payments fast and easy. Moving all your banking transactions from your old financial institution to your HRCCU account with just a few clicks.

Learn More

Current Rates

Auto Loans
APR as low as
Fixed Rate 36 Month
APR as low as
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
  VISA Platinum Credit Card
logos of Bauer 5-star, America's Credit Union, Equal Housing Opportunity, Marshall & Sterling Insurance, and National Credit Union Administration