REAL Saver


In the world of savings, REAL Saver from First American is the real deal! Link this convenient savings account to one of your rewards accounts — Reward Checking or REAL CashBack Checking — then sit back and let it do the hard work of saving for you.

Here’s how it works: each month your Reward Checking or REAL CashBack rewards will automatically transfer into your REAL Saver account — that’s up to 0.75% APY* on balances up to $10,000! Save effortlessly with REAL Saver. 

  • Free account that builds your savings effortlessly:
  • Automatic monthly transfers of Rewards checking or REAL CashBack earnings:
    • 0.75% APY* on balances up to $10,000
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • $5 minimum deposit to open


To earn your rewards, simply do the following activities and transactions in your Reward Checking or CashBack Checking account each monthly qualification cycle:

  • Have at least one (1) direct deposit transaction post and settle
  • Have at least 15 debit card purchases post and settle
  • Have at least one (1) automatic payment (ACH) or bill pay post and settle
  • Receive eStatements

See? It's that easy! And even if you don't meet the qualifications one month, you can get back to earning your rewards the very next month.

*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 and debit-card transactions processed by merchants and received by us as ATM transactions. “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: When your Reward Checking or Real Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle. Real Saver: Balances up to $9,999.99 receive APY of 0.75%; and balances over $10,000.00 earn 0.046% interest rate on the portion of balance over $9,999.99, resulting in a range from .75% to 0.11% APY depending on the account’s balance.  When Reward Checking or Real Cash Back Checking qualifications are not met, Saver: All balances earn 0.010% APY.  Reward Checking: All balances earn a non-compounding APY* of 0.01%. Real Cash Back Checking: No cash back payments are made. *When linked to the Saver account, the dividends earned within the Reward Checking account does not compound since it is automatically transferred to the Real Saver account within one day. This automatic transfer may cause an overdraft to your Reward Checking account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs mentioned above are accurate as of 01/01/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.  Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply.  $25 minimum deposit is required to open the account. Monthly Direct Deposit is a condition of this account. A Real Cash Back or Reward checking account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.  Federally insured by NCUA.

*See the following Account Disclosures for more details:

REAL Saver linked to REAL CashBack

REAL Saver linked to REWARD Checking

No need to walk into a branch!