Elgin Mental Health Center

Welcome to KCT Credit Union - Building Stronger Communities Together

About KCT Credit Union
KCT is a member-owned, not-for-profit financial institution that focuses on helping people that live and work in Fox Valley communities to live better lives financially. Our product line has been developed to help everyone achieve their financial goals regardless of their current financial situation. KCT offers products such as everyday savings/lending needs, transactional services, debt consolidation, retiement planning and more.

Benefits of your KCT Credit Union Membership (Starting November 1, 2018)

  • Receive personal service to help achieve your financial goals
  • Apply for loans anywhere with our secure online loan applications with the benefit of electronic signing
  • Access to  our Pay Advance loan and receive favorable underwriting (Only available at our EMHC location)

All our products and services are now available to you including:

  • Free checking with Visa® Debit card
  • Customized loans that fit your budget needs
  • Credit Cards with low, fixed rates
  • Over 75,000 surcharge-free ATMs nationwide
  • Access to the CO-OP Shared Branch Network with over 5,000 branches throughout the nation
  • Technology solutions that are convenient and easy to use

Update your contact info
To ensure your contact information is up to date, please stop by your nearest branch or call us at 847.741.3344 so we can verify and update your contact information. 

Branch Hours
Monday, Tuesday, Thursday, Friday: 7:30 am - 4:30 pm
Wednesday: 11:00 am - 4:30 pm
Saturday/Sunday: Closed


Savings Accounts
At KCT Credit Union we offer a variety of savings accounts to help fit your goals. From our Primary Share Account, the foundation of every KCT Membership, to short and long-term CDs and even Christmas Club accounts, KCT has everything you need to achieve your savings goals.

Learn more

Checking Accounts
Take full advantage of KCT’s free checking account, which includes our Visa® Debit Card. With KCT’s checking account, you can make purchases at merchant locations and online. You can also set up bill payments, subscriptions and other recurring payments with your card.

Why our checking is one of the best

  • No monthly fees
  • No minimum balance1
  • No fees for excessive PIN transactions or ATM withdrawals
  • Setup direct deposit and receive discounts on our already low-rate Auto, Promotional and Motor Vehicle loans
  • 50 free starter checks

Open a Checking Account Here

1Checking account minimum opening deposit of $25 must be completed within 60 days of account opening.


Whether you're looking to buy a car, refinance your home or consolidate student debt, KCT has customized lending options to help you achieve your financial goals.

Auto Loans
Shop for your next car with confidence when you get preapproved for a KCT Auto Loan or reduce your monthly payments when you refinance your current car, truck or SUV. Protect yourself with GAP, Mechanical Repair Coverage and KCT Protection services.

Learn more

Home Loans
Our Residential Lending experts can help you purchase, refinance or take advantage of your current home's equity.

Mortgages Home Equity Loans

Debt Checkup & Get Out of Debt Loan
Get on track to financial freedom with our Debt Checkup and Get Out of Debt Loan. Schedule a free, no obligation Debt Checkup to review your current loans and credit cards and find out how you can reduce your debt burden by consolidating it with our Get Out of Debt Loan. 

Learn more

Promotional Loans

Throughout the year, we offer short-term promotional loans to help you enjoy more of each season. Use these loans to help fund small projects, go on vacation or consolidate debt.

Learn more

Student Lending 

KCT's offers two types of student lending solutions to help you reduce your monthly payments are fund your advance degree. Our Student Loan Refinancing program is designed to consolidate your student loans into one simple payment and potentially lowering your monthly payment. If you're thinking of going back for an Advanced Degree, our Graduate Student Loans can help fund your education. 

Student Loan Refinancing Graduate Loans


Online Services
KCT Online - Secure. Convenient. Free. KCT Online gives you 24/7 account access allowing you to check your balance, make a transfer, view your eStatements and pay bills all in one place. You can also update your contact information, create budgets/savings goals and make a loan payment all securely through our online banking platform. Enrolling is easy! Click the link below to get started or checkout our video for a step-by-step tutorial for setting up your very own KCT Online account. 

Enroll Now

KCT Mobile - Access your account anywhere with your smartphone when you download the KCT Mobile app. Check your account balances, schedule a transfer, view your budget for the month and even deposit a check conveniently from your phone. 

KCT Digital Card App - More control. More convenience. More confidence. Receive email, text and push notifications whenever your KCT debit or credit card(s) are used. Simply create a login and add your cards to help protect yourself from fraud with the Digital Card App.

Branch Services 
Debt Checkup - Just like your physical health, it is important to make sure your financial health is in good standing. A great way to make sure your debt isn’t adding excessive stress to your financial well-being is to visit KCT and have a Debt Checkup. By evaluating your different loans and credit reports, we will help you find out if your debt is causing a bigger burden than it should. After the Debt Checkup, one of our Member Service Representatives (MSRs) will give you feedback and provide options on how you can improve your current debt situation.

Notary Services - When you need important documents notarized, KCT is the place to go. There’s no need to scour the internet to find your nearest Notary Public. We have them on staff in every KCT branch. Just stop by your closest branch and ask to see the notary.  Please note, a small fee may apply for this service.

Teller Services - When you need a certified check, a copy of a check you’ve written, or need to update important information stop by your nearest KCT branch and speak with one of our friendly tellers.

Other Member Benefits 
Love My Credit Union - Saving on the products and services you need and use every day is easy with Love My Credit Union® Rewards. As a member of KCT Credit Union, you can get discounts and rewards that include Sprint cellphone plans, TurboTax, ADT and more!

Horace Mann Insurance - KCT Credit Union and Horace Mann have partnered to bring our members a one-stop shop for all their financial needs, from loan services to retirement planning, and now insurance products from Horace Mann. 

CO-OP Shared Branch Enterprise Car Sales
Verified by VISA Love My Credit Union Rewards
TruStage SallieMae