Primary Share (Savings) Account

The Primary Share account establishes you as a KCT Member.
Dividends for the Primary Savings account are compounded and paid quarterly. Members are able to open up to 2 additional savings accounts to help save for taxes, vacation, or any other savings goal. Click here to check the current savings rate. The minimum amount to open a Primary Savings account is $5.00.

Christmas Club Account

Make holiday shopping more convenient with a Christmas Club account.
By setting up an automatic transfer from your checking, you can begin to grow your holiday shopping fund all year-round. Dividends on the Christmas Club account are paid quarterly.

On November 1, your balance will be transferred to your checking account so you can start your holiday season shopping spree. Click here to check the current Christmas Club account rate. The minimum balance to open a Christmas Club account is $5.00.

Money Market Account

Earn higher rates than a traditional savings account without locking in to term limits.
Dividends are paid monthly with a higher rate than the Primary Share account as long as the minimum balance of $2,500.00 is maintained. Click here to check the current Money Market rates.

Share Certificates (CDs)

Competitive rates for long-term goals.
Save for short or long term goals by choosing from a variety of CDs. Terms available from 90-days to 5 years.
Click here to check the current CD rates.

KCT Checking

Free checking with no minimum balance
Our KCT Checking Account is the most convenient and valuable no-monthly-fee checking account you will find. When opening a checking account, you enjoy around-the-clock access to your money no matter where you are.

Here are a few more benefits:

  • FREE Visa Debit Card
  • NO monthly fees or per check charges
  • Account history available through KCT Online and the KCT Mobile app.
  • Easy-to-read monthly statements/eStatements
  • Low-cost check printing
  • Access to over 75,000 surcharge-free ATMs nationwide. 

Visa Debit 

When you open a free KCT Checking account you can receive a KCT Visa® Debit card. Our card can be used for everyday purchases and as an ATM card to withdraw cash. For your nearest surcharge free ATM visit our locations page. Your KCT Visa Debit card will require you to set a PIN upon activation. Your PIN (Personal Identification Number) is a 4-digit code you will need to enter whenever making a PIN-based debit transaction or withdrawing cash from an ATM. You can also select to process your transactions as a credit transaction. The only difference is instead of entering your PIN, you may be asked to sign your signature. The transaction will still automatically withdraw from your KCT Checking*. You will not receive a separate statement for credit transactions.

Benefits of a Debit Card
  • Shop with ease and eliminate the need to carry cash or checks.
  • Purchase items in store or online, anywhere Visa cards are accepted.
  • Enroll in Visa Checkout to make online shopping more convenient.
  • Simply swipe and select credit or debit to complete your transaction. (Credit transactions may require a signature. Debit transactions require your 4-digit PIN.)
  • Add your KCT Debit card to your Mobile Wallet to pay using your Smartphone.
  • Receive Visa's Zero Liability Policy** with Credit transactions.

All transactions are automatically withdrawn from your KCT Checking account.*

*If there are insufficient funds in your KCT Checking account your transaction may be declined. Result of insufficient funds depends on Overdraft Protection, Reg D and Reg E. See our disclosures section or speak to a Member Service Representative for more information.

**Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify KCT immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

The KCT Premier Member Rewards Program was created as a means to give back to our membership. In January 2016, 215 Premier Members split a pool of $35,000. In January 2017, Premier Members will split another pool of $35,000.

Are you a Premier Member yet?

To achieve Premier Member Status, members must:

  • Have a KCT Checking Account with Debit Card in good standing.
  • Have a KCT Credit Card in good standing.
  • Conduct a combination of 600 annual debit card, credit card, and checking transactions.


  • Have a KCT Loan in good standing for at least 6 months. (excludes credit cards and real estate loans), OR...
  • Have $25,000 in deposits at KCT for at least 6 months. (excludes KCT Financial Services accounts)

287 members have achieved Premier Member status for 2017.

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