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.

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.

Our newest CD is something to smile about

2.25% APY* ($50,000 and over)
2.15% APY* ($25,000 - $49,999)
2.00% APY* ($10,000 - $24,999)

Call or visit us today to open our 21 month CD!

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.

*APY (Annual Percentage Yield). CD (Certificate of Deposit). The APY you receive will be determined by the opening deposit. $10,000 minimum to open lowest tier (2.00% APY) 21-month CD. A penalty of 6 (six) months dividends will be accessed if certificate funds are withdrawn before the maturity date. Dividends are paid on the 1st of each month. CD offer subject to change. Membership requirements apply. Upon maturity, CD will rollover to a 12-month CD at the then prevailing rate, unless otherwise specified at CD origination.

Tired of Paying for your Checking?

Make the switch to KCT and find out why our Checking is one of the best!

  • No monthly fees
    • Save $300 each year by avoiding monthly maintenance fees from other financial institutions. (The average monthly fee on checking accounts is $25 per month.)1
  • ​No minimum balance
    • Most financial institutions require a minimum balance to avoid fees.2
  • No fees for excessive PIN transactions or ATM withdrawals
    • Make purchases using your PIN as much as you'd like.
  • 24/7 account access through KCT Online and the KCT Mobile app
    • Pay bills, schedule payments (one-time or recurring), make transfers
    • Set Savings Goals and Budgets to help achive your financial goals
    • Make deposits using your phone with the KCT Mobile app
    • View your accounts from other institutions by syncing them with KCT Online
  • Access to 75,000 surcharge-free ATMs nationwide
  • Access to 5,000 branches nationwide with CO-OP Shared Branching
  • Setup direct deposit and receive discounts on our already low-rate Auto, Promotional and Motor Vehicle loans

Making the switch is easy!

Download our 5-step Switch Kit Checklist and start using your FREE KCT Checking Account

Click Here to Download our Checklist

1Checking monthly fee information gathered from
2Checking account minimum opening deposit of $25 must be completed within 60 days of account opening otherwise membership will be closed. Membership and other qualifications apply.

KCT Visa Debit Cards

The Perfect Way to pay for everything, every day

  • Simplify your everyday spending and skip the hassles of cash and checks
  • Get enhanced fraud protection with Visa’s Zero Liability Policy1
  • Free Debit Card replacement

3 ways to use your Visa® Debit Card

  1. Purchases at merchant locations
  2. Online purchases
  3. Bill payments, subscriptions and other recurring payments

Gas, Dining, Travel, Shopping Online and in stores, Groceries, and Monthly bills

Track your spending and receive alerts

  • Track your purchases and see them itemized through KCT Online and KCT Mobile
  • Receive notifications, text or email alerts when your card is used with the KCT Digital Card app
  • Pay with your phone using Apple Pay, Samsung Pay or Google Pay

You’re covered with extra protection from Visa and KCT

However you use your Debit Card, you always get security and protection benefits to help prevent, detect and resolve fraud. Here’s how Visa and KCT...

Prevent fraud
The 3-digit security code on the back of your card helps verify your identity for purchases online or over the phone. When used at a chip-activated terminal, your card’s embedded chip generates a one-time code that helps reduce in-store fraud.

Detect fraud
With leading solutions, like real-time fraud monitoring and near real-time transaction alerts from the KCT Digital Card app, your accounts are protected by 24/7 card activity monitoring.

Resolve fraud
Visa’s Zero Liability Policy means you won’t have to pay for unauthorized purchases. And with replacement funds, any money you lose to fraud will be returned promptly.

More benefits of your KCT Visa Debit Card

All transactions are automatically withdrawn from your KCT Checking account.2

1Visa’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. Individual replacement fund amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by KCT Credit Union based on factors such as gross negligence or fraud, delay in reporting unauthorized use.You must notify KCT immediately of any unauthorized use. Transaction must be posted to your account before replacement funds may be issued. For specific restrictions, limitations and other details, please consult your issuer.

2If 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.

The KCT Premier Member Rewards Program was created as a means to give back to our membership. In January 2018, 401 Premier Members split a pool of $35,000. In January 2019, Premier Members will split another pool of $40,000.

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)

401 members have achieved Premier Member status for 2018.

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