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.


*APY (Annual Percentage Yield). CD (Certificate of Deposit). $10,000 minimum to open 7-month and 14-month CDs. A penalty of 90 days dividends will be assessed if certificate funds are withdrawn before the maturity date. Funding of CD must come from new funds deposited as of January 1, 2018. Dividends are paid on the 1st of each month. CD offer subject to change. Membership requirements apply. Offer valid as of January 1, 2018. Upon maturity, CD will rollover to a 12-month CD at the then prevailing rate, unless otherwise specified at CD origination.

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. 

More benefits of a KCT Visa Debit card

All transactions are automatically withdrawn from your KCT Checking account.1

1If 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. 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.

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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