Summit Saver

Rewards earned in Ridgeline Rewards or Compass Cash Back are automatically transferred to Summit Saver — where they collect and grow! Saving is easy when you have accounts that reward you.

Benefits You’ll Love

Free account that builds your savings effortlessly with high dividend earnings
2.50% APY¹ on balances as much as $50,000
2.50% to 1.00% APY¹ on balances over $50,000 depending on balance in account
0.05% APY¹ on all balances if qualifications are not met in Ridgeline Rewards or Compass Cash Back
Automatic transfers of Ridgeline Rewards or Compass Cash Back earnings
No monthly maintenance fees
No minimum balance to earn rewards, No minimum deposit to open

Qualifications to Earn the Higher Rate

Qualifying for your Ridgeline Rewards or Compass Cash Back rewards automatically qualifies you for the highest Summit Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Ridgeline Rewards or Compass Cash Back account during each Monthly Qualification Cycle:

At least 12 debit card purchases, each greater than $5.00
At least 1 ACH credit or ACH payment transaction
Be enrolled in and agree to receive e-statements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Summit Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

How much can I save with the Summit Saver?

Initial balance:

minus sign plus sign

Calculate for years:

minus sign plus sign

Future account balance:

Interest earned:

Starting with a balance of , a Kasasa Saver account will grow to in years. Your deposit of will have earned in interest at %. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

¹Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. “Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. All of the following transactions and activities must post and settle to your Ridgeline Rewards or Compass Cash Back account during each Monthly Qualification Cycle: 12 debit card transactions must post and clear prior to the second to last day of the month. Must receive electronic statements. Must have at least (1) direct deposit or ACH credit transaction(s).

Summit Saver | Ridgeline Rewards Qualifier- Reward Information: When your linked Ridgeline Rewards or Compass Cash Back qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 2.5% and daily balances over $50,000 earn a dividend rate of 0.25% % on the portion of the daily balance over $50,000 resulting in a range from 2.50% to 1.00% APY depending on the account’s daily balance.

When your linked Ridgeline Rewards or Compass Cash Back qualifications are not met, the entire daily balance in the Summit Saver account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY.

Dividends will be credited to your Summit Saver account on the last day of the current statement cycle. A Ridgeline Rewards or Compass Cash Back account is required to have a Summit Saver account. A linked Summit Saver account is required for automatic savings.

APY = Annual Percentage Yield. APYs accurate as of 6/17/2026. Membership eligibility required. Must be a member of the credit union to open any deposit account. Full Qualification Cycle and Details.