UPDATE 04/27/2020: Credit Union lobby will be closed until further notice; DRIVE-UP HOURS HAVE CHANGED.

In our efforts to help reduce the risk of the Coronavirus, our lobby will be closed until further notice. However, our drive-up will remain open. Effective Monday 04/27/2020, Drive-Up hours will be Monday – Friday 9:00am – 5:00pm. For more information go to https://www.changingseasonsfcu.com/coronavirus-updates/

115 Mecaw Rd., Hampden, ME 04444|(207) 945-6264

Kasasa Saver

Free Kasasa Saver® Account

Turn earned Kasasa® checking rewards into dividend-earning funds. It’s a great way to grow your savings effortlessly!

 

Kasasa Saver is available exclusively to Kasasa Cash or Kasasa Cash Back checking account holders.

Summary

  • Free account that builds your savings effortlessly
  • Kasasa Cash or Kasasa Cash Back checking
  • 1.00% APY* on balances up to $100,000
  • .25% APY on balances over $100,000 depending on balance in account*
  • .10% APY* if qualifications aren’t met
  • No minimum balance to earn rewards
  • No monthly maintenance fee
  • Free Online Banking, including:
  • No minimum deposit to open

How to Qualify

Qualifying for Kasasa Saver rewards is super easy.

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: Kasasa’s MQC is the same as your monthly statement cycle.

  • At least 12 debit card purchases
  • Be enrolled in and receive e-Statements
  • Be enrolled in and log into online banking or mobile banking at least 1 time per cycle

Don’t worry if you don’t meet your qualifications during the cycle — your Kasasa accounts are still free. In fact, you’ll still earn our base dividend rate on Kasasa Saver. Plus, you can get right back to earning your full rewards the very next month!

For more information please call us at 207-945-6264 or email us at info@changingseasonsfcu.com

Kasasa Saver With Kasasa Cash Back or With Kasasa Cash

Qualification 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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts debit card purchases processed by merchants and received by our credit union as ATM 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.  “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. Contact one of our branch service representatives for specific Monthly Qualification Cycle dates. “Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. “Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. “Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the account holder’s account. Contact of our branch service representatives for specific Statement Cycle dates.
Reward Information:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $300 in PIN-based/signature-based, debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $16.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. The cash back payments and nationwide ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 3.929% resulting in an APY of 4.00% and average daily balances over $10,000 earn a dividend rate of .25% on the portion of the average daily balance over $10,000, resulting in a range from 4.00% to .25% APY depending on the account’s average daily balance. You will receive reimbursements up to an aggregate total of $16.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be .10% resulting in an annual percentage yield of .10% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.
APY = Annual Percentage Yield.
APYs accurate as of 01/08/2020.
APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information:
Membership restrictions may apply.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.
Minimum of 12 debit card transactions posted and settled during the monthly qualification cycle.
No minimum deposit is required to open the account.
No minimum deposit is required to open the account.
Monthly enrollment in online banking and e-statement are conditions of this account.
Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of one account(s) per member.
There are no recurring monthly maintenance charges or fees to open or close this account.
This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.
A Kasasa Cash Back account or a Kasasa Cash account is required to have a Kasasa Saver account.
A linked Kasasa Saver account is required for automatic savings.
Advertised information and rewards are based on all account qualifications being met during each cycle period.
Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Federally insured by NCUA. Your Savings Insured To $250,000 Per Account.
Trademarks:
Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Links to Third Party Sites

You are now leaving Changing Seasons Federal Credit Union ("The Credit Union") website and linking to a website not owned or operated by the Credit Union. Links to other Web Sites/e-mail addresses are provided solely as a convenience to our members and other customers.

The Credit Union has no control over the content of these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties.

The Credit Union's privacy disclosures do not apply to linked Third Party websites, and we advise you to consult the privacy disclosures on the linked Third Party website for further information.

The Credit Union's website may also contain links to other websites owned, operated by, or affiliated with the Credit Union ("Affiliated Sites"). Affiliated Sites are also not governed by Credit Union's privacy or other policies; and you are advised to review the privacy disclosures applicable to each Affiliated Site you visit.

Products / Services Offered by Third Parties / Affiliates: Any products or services ("products") which are provided by third parties or any affiliates are not products of the Credit Union. If the purchase of same is facilitated by or through Credit Union financing such is merely a convenience to the borrower(s) and in no way creates any contractual or other relationship between the borrower(s) and the Credit Union with regard to any such products. Any rights, obligations or claims with regard to such products shall be solely and exclusively by and between you and the third party providing such products as may be set forth in any applicable contracts, agreements or otherwise, and the Credit Union shall have no obligations, responsibilities, duties, or liabilities whatsoever regarding same.