Savings & Investments

Savings Accounts and Certificates of Deposit

 

FREE Kasasa® Saver

  • $100 minimum deposit to open.
  • FREE account that builds your savings effortlessly.
  • Links to FREE Kasasa Cash® or Kasasa Cash Back® checking.
  • 1.00% APY* on balances up to $50,000.
  • 0.05% APY* if qualifications are not met on Kasasa Cash or Kasasa Cash Back.
  • No minimum balance to earn rewaqrds.
  • 24 hour telephone banking via Dial-A-Bank.
  • FREE Online Banking access.

Learn More

Regular Savings

  • $100 minimum deposit to open.
  • $2 monthly maintenance fee waived if minimum daily balance of $250 is maintained.
  • $100 minimum balance to earn interest.
  • 6 free debits per month. Additional debits $1 each. *
  • $15 annual fee per ATM card.
  • 24 hour telephone banking via Dial-A-Bank.
  • FREE Online Banking access.
  • Monthly maintenance fee waived until age 21 on UTMA accounts.

KCB Money Market

  • $1,000 minimum deposit to open.
  • $5 monthly maintenance fee waived if minimum daily balance of $1,000 is maintained.
  • $15 annual fee per ATM card.
  • 6 free debits per month; additional debits $1.00 each.*
  • $1000 minimum balance to earn interest.
  • FREE Online Banking access.
  • 24 hour telephone access to your account via Dial-A-Bank.

*Limit 6 debits per preauthorized, automatic, internet or telephone transfers

or payments by check to third parties; unlimited debits made in person, by

mail, messenger or ATM.

Certificates of Deposit

Save for a rainy day. We offer great rates with peace of mind that your investment is safe!

The Kearny County Bank offers a variety of time certificates of deposit with maturities ranging from 3 months to 5 years. Interest is paid by credit to a checking or savings account paid by check or can be compounded to the face of the CD. Higher rates are available for larger balances and rates may be negotiated for balances over $100,000.

Individual Retirement Accounts (IRA's)

The safe and simple way to save for retirement!

The Kearny County Bank offers Traditional, Roth, Rollover and SEP IRA's that will enable you to meet your retirement savings goals. Your IRA funds can be invested in the bank's certificates of deposit or its popular and competitive 10 year variable rate certificate of deposit.

*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, non-retail payment transactions and purchases made with non-KCB issued debit cards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $25,000 receive APY** of 2.00%; and balances over $25,000 earn 0.25% interest rate on the portion of balance over $25,000, resulting in a range from 0.25% to 2.00% APY** depending on the account's balance. Kasasa Cash Back: 2.5% cash back on up to a total of $400.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (if linked to a Kasasa Cash or Kasasa Cash Back account): Balances up to $50,000 in your Kasasa Saver account receive an APY** of 1.00% and balances over $50,000 earn .25% interest rate on the portion of balance over $50,000, resulting in a range from .05% to 1.00% APY** depending on the account's balance. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of ATM fees. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.05% APY**; all balances in a Kasasa Saver account earn 0.05% APY**; cash back payments are not made, and ATM fees are not reimbursed. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account's balance is less than the transferred amount when transfer occurs. APYs** accurate as of 01/01/2016. Rates and rewards are variable and at our discretion may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. There is a minimum deposit of $100.00 required to open a Kasasa account. To earn you rewards you must complete the following activities and transactions each Monthly Qualification Cycle: Have at least 12 debit card purchases post and settle (signed or PIN transactions), Be enrolled and log into online banking and Enroll and receive eStatements. Limit 1 account per social security number. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.(**APY=Annual Percentage Yield)