In observance of the Thanksgiving holiday, all HRCCU branches will be closed on Thursday, November 26 and Friday, November 27. All locations with the exception of the Troy branch will reopen for normal business hours on Saturday, November 28.

Free Kasasa® Accounts

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®, Cash Back® and Saver® 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!


Free Kasasa Cash® Checking Free Kasasa Cash Back® Checking
Best For High Balances Debit Card Use
  • 3.00% 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
Minimum Opening Deposit $0 $0
Courtesy Pay Protection
FREE Audio Response
FREE eStatements
Mobile Payments

*APY=Annual Percentage Yield. APYs accurate as of 2/20/2020. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. Fees may reduce earnings. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. See Kasasa Cash®, Kasasa Cash Back® and Kasasa Saver® pages for details, terms and conditions.

Free Kasasa Saver®

Collect and Grow Your Earned Kasasa® Checking Reward Automatically!

This free account links to free Kasasa Cash® or Kasasa Cash Back® checking accounts to collect your earned rewards. Even more — it pays a high rate on your Kasasa Saver® balance too!

Learn More
Kasasa Protect®

Help defend your credit and good name against criminal fraudsters.

Facts are, criminals are after your identity — and you need to be prepared. Kasasa Protect® is a one-stop defensive strategy to help protect you against identity theft, credit card fraud, data breaches, and other deceptive attacks. It operates 24/7 monitoring your sensitive information, providing reports, and even intervening as needed.

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
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