An HSA can’t keep the doctor away — but it sure does help with those occasional visits.
Key Features
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Tax Advantages*
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Competitive Interest
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No Monthly Service Fee
Tax Advantages*
Competitive Interest
No Monthly Service Fee
- Greater personal control over healthcare management and expenses
- Prepare for qualified medical expenses
- Earn competitive interest on entire balance
- An HSA provides triple tax savings:
- Tax deductions when you contribute to your account
- Tax-free earnings through investment
- Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
- Contributions are tax-free and can be made by you, your employer, or a third party**
- Funds can be withdrawn at any time***
- Visa® debit card available at no additional cost
- Unused funds remain in account year after year; no "use it or lose it" policy
- Keep your HSA in your name, regardless of career or life changes
- Federally insured by FDIC
- $100 minimum deposit to open
*Consult a tax advisor.
**When used for qualified medical expenses. Consult a tax advisor. Qualified expenses include most medical care and services, dental and vision care, weight loss programs, some over the counter medications, mileage, and more.
***You can withdraw funds at any time for any purpose. However, if funds are withdrawn for reasons other than qualified medical expenses, the amount withdrawn will be included as taxable income, and is subject to a 10% penalty.
You are eligible for a regular HSA contribution if, in any month, you:
- Are covered under a high-deductible health plan (HDHP) on the first date of such month;
- Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventive care and limited types of permitted insurance and permitted coverage);
- Are not enrolled in Medicare
- Cannot be claimed as a dependent on another individual's tax return
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $4,999.99 | 0.05% | 0.05% |
| $5,000.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | 0.35% | 0.35% |
| $100,000.00 - $999,999.99 | 0.50% | 0.50% |
| $1,000,000.00 and Greater | 0.65% | 0.65% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings
| Product | Balance | Interest Rate | APY* |
|---|---|---|---|
| Business Savings | $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest
| Balance | Rate* |
|---|---|
| $3,000.00 | 0.10% |
*Rate accurate and effective as of 03/01/2025. This rate(s) is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials
| Term | Interest Rate | APY* | Minimum Balance |
|---|---|---|---|
| 5 Months | 4.15% | 4.20% | $1,000 |
| 10 Months | 3.84% | 3.90% | $1,000 |
| 15 Months | 3.80% | 3.85% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000.00. Offers are for new money not currently on deposit with us. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month, 10-month term, and 15-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 2.72% | 2.75% | $1,000 |
| 6 Month | 2.73% | 2.75% | $1,000 |
| 7 - 11 Months | 2.72% | 2.75% | $1,000 |
| 12 - 17 Months | 2.48% | 2.50% | $1,000 |
| 18 - 23 Months | 1.29% | 1.30% | $1,000 |
| 24 - 35 Months | 1.34% | 1.35% | $1,000 |
| 36 - 47 Months | 1.39% | 1.40% | $1,000 |
| 48 - 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months and Longer | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.
Charitable Checking
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Commercial Reserve
| Minimum Balance | Rate | APY* |
|---|---|---|
| $100.00 | 3.75% | 3.82% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY* | Minimum Balance |
| 12 months | 3.94% | 4.00% | $1,000 |
| 30 months | 1.34% | 1.35% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 48 months | 1.44% | 1,45% | $1,000 |
| 60 months | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 04/01/25. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Golden Advantage Money Market
| Product | Minimum Balance | Interest Rate | APY* |
|---|---|---|---|
| Golden Advantage Money Market | $2,500.00 | 2.48% | 2.50% |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Plus Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.025% | 0.030% |
| $2,500.00 - $24,999.99 | 0.050% | 0.050% |
| $25,000.00 - $49,999.99 | 0.050% | 0.050% |
| $50,000.00 and Greater | 0.075% | 0.076% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate(s) is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Health Savings Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 4/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.41% | 4.50% |
| $15,000+ | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 4/1/2025. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 4.50%; and (3) balances over $15,000 earn 0.05% interest rate on the portion of the balance over $15,000. If qualifications are not met on Kasasa Cash, all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00. or higher.
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 15 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, you will still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0 - $100,000 | $100.00 | 2.96% | 3.00% |
| $100,000+ | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 3/01/2025. Rates may change after account is opened. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $100,000 in Kasasa Saver receive an APY of 3.00%; and (2) balances over $100,000 in Kasasa Saver earn 0.05% interest rate on portion of balance over $100,000, resulting in 0.05% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
Qualifications
Qualifying for your Kasasa Cash 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 account during each Monthly Qualification Cycle:
- Have at least 15 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, you will still earn our base rate. You can get right back to earning your full rewards the very next month.
MD IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 3.30% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate(s) is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Money Market Tiered
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Municipal Money Market
| Balance | Rate | APY* |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
NC IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 3.30% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate(s) is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Platinum Money Market
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 3.15% | 3.20% |
| $50,000.00 - $249,999.99 | 3.15% | 3.20% |
| $250,000.00 and Greater | 3.15% | 3.20% |
*Annual Percentage Yield (APY) accurate and effective as of 11/19/24. The minimum balance to obtain interest on the Platinum Money Market is $25,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.
Signature Money Market*
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 3.01% | 3.05% |
| $250,000.00 and Greater | 3.15% | 3.20% |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. The minimum balance to open and obtain interest and APY on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank. Fees may reduce earnings. Ask us for complete details.
VA IOLTA
| Balance | APY* |
|---|---|
| $0.00 - $50,000.99 | 0.10% |
| $50,001.00 and Greater | 0.20% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.