Why Partner with KCT?

Improve employee productivity by reducing financial stress

KCT is a locally-owned, not-for-profit financial institution that focuses on helping people live better lives financially. During the 12-month period ending September 2022, KCT Credit Union has provided its member households over $5,711,916 in direct financial benefits* through lower loan rates, lower/no fees and better yields on deposits. 

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, financial planning, and more. KCT is committed to the financial well-being of our community.

Employer Benefits

  • Enhances your employee benefits package at no cost to you
  • KCT provides on-site visits & enrollments
  • Increasing an employee’s financial literacy leads to a more productive employee

KCT provides financial wellness seminars and financial counseling at no cost.

Topics covered include:

  • Identity Theft
  • Debt Management
  • Building a Basic Budget
  • One-on-one counseling on-site or at any KCT location
  • and more

Employee Benefits

  • SEG Whatever Loan (with an exclusive low rate)
  • Enjoy fewer and lower fees than most other financial institutions
  • Receive customized services

KCT Products and Services

  • Free checking with no minimum balance requirements1
  • Customized loans that fit your budget and needs
  • KCT Visa Signature Cash Back Card (Unlimited 1.5% cash back on purchases*)
  • KCT Visa® Platinum credit card with fixed-rates and no annual fees2
  • Access to over 5,000 credit union branches through the CO-OP Shared Branch Network
  • Over 75,000 surcharge-free ATMs nationwide (some SEGs may be eligible for an on-site ATM )

KCT Online and KCT Mobile give you 24/7 account access. You can also manage accounts, make transfers, create budgets and more!

Fight fraud with the KCT Digital Card App. Receive notifications when transactions are completed with your cards. Suspend your card when it's lost or stolen and reverse it when you find it. Shop securely and conveniently when you enroll in Visa Checkout.

Here are some of our current SEG partners:


For a full list of Select Employee Groups (SEGs) currently partnered with KCT, click here.

Find out how your business can thrive by partnering with KCT! Contact our VP of Business and Community Outreach, Yvonne Irving, at 847-289-3290 or yirving@kctcu.org for more information.

* Source: Informa Research Services, NCUA, and CUNA

*Visa Signature Cash Back Terms and Conditions
1Membership requires opening a savings account ($5 opening deposit) and checking account ($25 opening deposit). To qualify for the $5 deposit, you must open a checking account with a Visa debit card. This promotion is eligible to members 18 years and older. Checking minimum opening deposit of $25 must be completed within 60 days of account opening otherwise membership will be closed.
2APR (Annual Percentage Rate). Fixed rates between 7.99%-12.99% APR. The rate you received is based on creditworthiness. Minimum payment of $25 or 2.5% of balance, whichever is higher. $20 late payment fee will be assessed if payment is made after payment due date.