Horizons North Credit Union (CO) Offers Kasasa Cash Statewide


Deal Summary: Kasasa Cash, 3.00% APY on qualifying balances up to $25k.

Availability: Easy membership requirement for Colorado residents.

Horizons North Credit Union’s (HNCU) Kasasa Cash checking account currently earns 3.00% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

The qualification cycle requirements include,

  • At least 15 debit card purchases.
  • At least one direct deposit, ACH payment, or bill pay transaction.
  • Be enrolled in and agree to receive e-Statements.

The Kasasa Cash account has no minimum balance requirement or monthly service fee, and can be opened with a $10 minimum deposit. Nationwide ATM fees will be reimbursed up to $20 (maximum $4.99 withdrawal fee per transaction), if qualifications are met. There is a limit of one account per Social Security number, individual taxpayer identification number, or household. Unlimited check writing is available, and while a free debit card is issued when the account is opened, replacement debit cards come with a fee:

$12, first replacement; $20, second replacement; $30, third replacement; $40, fourth replacement; $50, fifth replacement

Kasasa Saver Account

A Kasasa Saver account is offered as a companion account to the Kasasa Cash account. Earned checking rewards and ATM fee refunds are automatically transferred to the Kasasa Saver account every month. Like the Kasasa Cash Checking account, the Kasasa Saver has no minimum opening deposit requirement. The Kasasa Saver account earns 2.00% APY on qualifying balances up to $25k; qualifying balances over $25k earn 0.25% APY, with non-qualifying balances earning 0.01% APY.

The Kasasa Brand

For those not familiar with the Kasasa brand, Kasasa Cash is a type of Reward Checking Account (RCA) developed by the Texas company, Kasasa, Ltd. According to the Kasasa website,

On an everyday level, Kasasa is free checking that rewards you each month for doing simple things you might already do. "Simple" as in banking basics that actually save you time. Like choosing e-statements over paper statements, or swiping your debit card at checkout instead of writing a check.

Ever wondered what the word “Kasasa” means? It’s not Greek. It’s not Latin.

Put simply, we made it up.
In a world where real-life people are too often taken for granted as account
numbers, we didn’t want to be the next [INSERT GENERIC NAME] checking account.


Headquartered in Northglenn, Colorado, Horizons North Credit Union offers membership to any Colorado resident through membership in Consumers United Association (CUA). A one-time CUA $5 membership fee will be charged when joining HNCU.

Also qualifying for HNCU membership are individuals who live or work in the Colorado counties of Adams, Broomfield, or Denver.

Employees of more than 40 SEGs (complete list provided on the online application) are also eligible to join, as are individuals who are related to anyone who works for one of the SEGs.

Relatives of current HNCU members are also welcome to apply.

Joining HNCU and/or opening a Kasasa Cash account can be done online. The sole Colorado branch* is open with limited lobby access; an appointment can be made by calling 303.451.1146.

*As of June 16, 2020, HNCU will be relocating from Northglenn to the new branch location at 13559 Huron Street, Westminster, CO 80234.

A minimum deposit of $5 into your savings account is required to open your account.

There’s also a $25 Early Closure Fee if an account is closed within 90 days of opening.

HNCU participates in the CO-OP Share Branching and ATM networks, giving members,

Access to over 5,000 credit union branches nationwide with over 100 in the Denver
area, and access to over 30,000 no-fee ATMs including ATMs in 7-Eleven stores!

Credit Union Overview

Horizons North Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 1.51% (excellent) based on December 31, 2019 data. In the past year, HNCU has increased its total non-brokered deposits by $830k, an above average annual growth rate of 1.07%. Please refer to our financial overview of Horizons North Credit Union (NCUA Charter # 68274) for more details.

Founded in 1960, Horizons North Credit Union was originally known as the School District 12 Credit Union, with a field of membership (FOM) exclusive to Adams County School District employees. The Credit Union re-branded in 2000 to better reflect the FOM’s expansion.

According to HNCU’s Facebook page,

Horizons North Credit Union has been awarded the title of Best Bank/Credit Union from Colorado Community Media readers. This is the ninth year in a row we have won the award for Northglenn/Thornton and sixth year in a row for Westminster!

How the Kasasa Cash Compares

When compared to the High Yield Rewards Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $25k, Horizons North Credit Union’s Kansas Cash APY* currently shares the top spot with The Bank of Denver’s Kasasa Cash Checking APY.

The above rates are accurate as of 6/4/2020.

To search for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

*We continue to work to keep our rates up-to-date, but there have been just too many rate cuts for us to process all the data quickly. For the time being, please be aware that the rates listed at DepositAccounts.com may not reflect the latest rates published by the banks and credit unions.

Related Pages: Denver checking accounts, reward checking accounts

  |     |   Comment #1
Another one most will pass, with locality requirement. Too bad.
Horizons North Credit Union Adds 6-Month CD Special, Up To 2.60% APY
Deal Summary: 6-month Share Certificate Special, 2.60% APY ($50k), 2.55% APY ($25k), 2.50% APY ($10k), 2.45% APY ($500).

Availability: Easy membership requirement for Colorado residents.

Horizons North Credit Union (HNCU) unveiled a 6-month Share Certificate Special this week. Like all of HNCU’s Share Certificates, the 6-month Special has four tiered APYs (in increments of 5 bps), based on deposit levels of $500, $10k, $25k, and $50k.

The 6-month Share Certificate Special offers the second highest CD APYs in NHCU’s product line, with the 60-month Share Certificate having APYs only...

Continue Reading

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.