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Merrimack Valley CUMerrimack Valley CU
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Merrimack Valley Credit Union and Bridgewater Credit Union, a division of Merrimack Valley Credit Union, are here to help you meet your savings goals!

Kasasa Saver

Grow your savings effortlessly with Kasasa Saver.  Earn automatic rewards transfers from your Kasasa checking account.  


  • Get 1.00% APY* on balances up to $25,000. 
  • Get 0.20% APY* on balances over $25,000.  

Your Kasasa Saver Account must be linked to either a Kasasa Cash Back or Kasasa Cash checking account.  When the requirements are not met, the Kasasa Saver will earn 0.02% APY.

Don't forget to add Kasasa Saver to your Kasasa Checking account!

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Main Savings

  • $5 to open – which gives you a share/ownership in the credit union
  • Earn dividends
  • Deposit and withdraw funds at anytime
  • 24-hour ATM access
  • Insured by NCUA for up to $250,000 and MSIC over $250,000

Premium Savings

  • Get a higher rate and earn more
  • No minimum balance
  • Deposit funds at anytime
  • One free withdrawal per month
  • $5 fee for each additional withdrawal
  • Minimum $5 deposit to open

Savings Clubs

  • Vacation and holiday savings clubs
  • No minimum balance
  • You can deposit funds at anytime
  • Elect weekly or monthly automatic deposit transfers
  • Minimum $5 deposit to open


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.

Click here for specific Monthly Qualification Cycle datesopens a pdf.

Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $10,000.00 in your Kasasa Cash account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and average daily balances over $10,000.00 earn a dividend rate of 0.20% on the portion of the average daily balance over $10,000, resulting in a range from 2.00% to 0.41% APY depending on the account's average daily balance.

You will receive reimbursements up to $25.00 in ATM fees assessed at nationwide ATMs we do not own or operate within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Kasasa Cash or Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, nationwide ATM withdrawal fees are not reimbursed and:

Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns 0.02% APY.

Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle.

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 month for all Kasasa accounts.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it, along with any nationwide ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, 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 month.

APY = Annual Percentage Yield.

APYs accurate as of 10/29/2021

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.

Additional Information:

Membership restrictions may apply.  Must be a CU member or open an account.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25.00 minimum deposit is required to open the account. 

Monthly Direct Deposit/ACH credit, enrollment in online banking, eStatement enrollment are condition(s) of Kasasa Saver's linked Kasasa Cash or Kasasa Cash Back account(s).

There are no minimum balance fees.  There are no recurring monthly maintenance charges or fees to open or close this account.  Other fees still apply, and fees may reduce the earnings on the account. 

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.


Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

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