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.

  • Low minimum deposit of $500; $250,000 maximum.
  • A safe investment with a guaranteed rate of return.
  • Accounts are insured up to $250,000 by American Share Insurance (ASI).

Open one today by calling 847.741.3344.

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. The minimum balance to open a Christmas Club account is $5.00.

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
  • ‚ÄčNo minimum balance
    • Most financial institutions require a minimum balance to avoid fees.2
  • 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.

Checking Plus powered by BaZing

Receive all the great benefits from our regular checking plus:

  • Shop local, save local with BaZing savings
  • Cell phone protection2,4
  • ID theft aid2
  • Roadside assistance3
  • $10,000 Travel accidental death coverage
  • Health Savings Card

Enjoy these great benefits for just $5/month1

Shop local. Save local.

BaZing brings 460,000 discounts where you live, work or travel

Get discounts that fit each day, each plan, each purchase.

The restaurants and shops you know and love are included in the
BaZing savings network, right where you live and across the nation.

Simply show your mobile coupon to the retailer for the instant savings.

See all your local deals through the BaZing app


Cell phone protection
Just pay your cell phone bill with your Checking Plus account, and you’re covered. If your phone is broken or stolen, we’ll pay to have it replaced, up to $400 per claim (maximum $800 per year).

Roadside assistance3
Lock your keys in your car? Car won’t start? Roadside assistance is available 24/7. It’s free to use, up to $80 in covered service charges.

ID Theft Aid
Payment Card Fraud Resolution
If your payment cards are lost or stolen, you have a personal fraud specialist ready to assist you.

  Personal Identity Theft Benefit
Receive $2,500 reimbursement for covered expenses you incur to restore your identity. Unlimited access to personal fraud specialists who provide identity recovery and restoration assistance.

Call us at 847.741.3344 or visit us to open or switch to Checking Plus 

1Minimum opening balance requirement of $25. If monthly fee is not paid for 60 days the Checking Plus account will be closed and moved to a KCT Checking account.

2Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.

3Emergency Roadside Assistance is available 24 hours a day, every day of the year throughout the United States, Canada and Puerto Rico. You will only have to pay for any non-covered expenses or costs in excess of your eighty dollar ($80.00) per occurrence maximum. There will be a limit of one (1) occurrence for the same Covered Service type during any continuous seven (7) day period and a maximum of four (4) Covered Services per twelve (12) month period of coverage. For more information, please refer to or the bazing mobile app. 

4Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the credit union, its affiliates, or any government agency.

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

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

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 2024, Premier Members will split a pool of $60,000*.  

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 transactions1.


  • 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)

You could be among the premier members in 2024!


1Qualified transactions exclude: ATM transactions, internal KCT transfers and credit card cash advances. Activity is based per individual membership number. Check your monthly statements to track your transaction progress. 

*Payout is considered an annual dividend payment. Dividends of at least $10 require an IRS 1099-INT form.