Andrews Federal Credit Union Kasasa Cash Checking review

Andrews Federal Credit Union Kasasa Cash Checking ranks first because it pays the highest qualifying yield we found on a checking account: 5.25% APY on balances up to $25,000, and 0.50% APY on the portion above that, in any month you meet the rules. The rules are about activity rather than balance. Each month you need at least 15 debit card purchases, at least one direct deposit or electronic bank transfer, and enrollment in Digital Banking with eStatements. There is no monthly maintenance fee, no minimum balance and no minimum deposit, and the credit union refunds up to $25 a month in withdrawal fees charged by other ATM owners. A Rewards Dashboard inside online banking shows how close you are to qualifying. The catch is the drop: in a month you miss a requirement, the whole balance earns 0.05% APY. You must also become a member of the credit union first, so check eligibility before planning around this account.

Who it is for

members who use a debit card often and keep up to $25,000 in checking

Price

$0 monthly maintenance fee, no minimum balance and no minimum deposit.

No monthly maintenance fee, no minimum balance, no minimum deposit
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 5.25% APY on balances up to $25,000 in qualifying months
• 0.50% APY on balances above $25,000 when qualifications are met
• Refunds of other ATM owners' withdrawal fees nationwide, up to $25 a month
• No monthly maintenance fee, no minimum balance and no minimum deposit
• Paycheck one day earlier with Early Direct Deposit

Strengths and weaknesses

• Strength: Highest qualifying APY on this list at 5.25% on up to $25,000
• Strength: Requirements are activity based, with no minimum balance to hit
• Strength: Rewards Dashboard in online banking tracks progress toward each month's goals
• Weakness: Falls to 0.05% APY in any month the qualifications are missed
• Weakness: Credit union membership is required before opening any deposit account
• Weakness: Needs at least 15 debit card purchases every month

Key facts

• Top APY: 5.25% up to $25,000
• Monthly fee: $0
• Card purchases needed: 15 per month
• ATM fee refunds: Up to $25 per month

Where it ranks

Andrews Federal Credit Union Kasasa Cash Checking is No. 1 in our Best High Interest Checking Accounts verdict.