Certificates

Save for short or long term goals by choosing from a variety of Certificate options.  

Rates Effective as of September 22nd, 2025.

 

10-Month Term Promotional Certificates

Term Minimum Investment Rate APY*
10-Month Certificate $250 3.93%

4.00%
10-Month Jumbo Certificate $100,000 3.97%

4.05%
10-Month Super Jumbo Certificate $250,000 4.02%

4.10%

*APY (Annual Percentage Yield). The APY is based on the assumption that dividends will remain in the account until maturity. Dividends are compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. For a 10-month term certificate, the penalty rate will be 60 days’ dividends. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, 10-month promotional term certificate will automatically roll over into a standard 12-month term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. Limited time offer.

17-Month Term Promotional Certificates

Term Minimum Investment Rate APY*
17-Month Certificate $250 3.69%

3.75%
17-Month Jumbo Certificate $100,000 3.73%

3.80%
17-Month Super Jumbo Certificate $250,000 3.78%

3.85%

*APY (Annual Percentage Yield). The APY is based on the assumption that dividends will remain in the account until maturity. Dividends are compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. For a 17-month term certificate, the penalty rate will be 120 days' dividends. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, 17-month promotional term certificate will automatically roll over into an 18-month term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. Limited time offer.

 

Certificates

Term Minimum Rate APY*
91 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
10 Months $250 3.93% 4.00%
1 Year $250 0.90% 0.90%
17 Months $250 3.69% 3.75%
18 Months $250 0.99% 0.99%
2 Years $250 1.00% 1.00%
30 Months $250 1.19% 1.19%
3 Years $250 1.29% 1.30%
4 Years $250 1.34% 1.35%
5 Years $250 1.49% 1.50%

*APY (Annual Percentage Yield). The APY is based on the assumption that dividends will remain in the account until maturity. Dividends are compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details. Limited time offer.

Jumbo Certificates

Term Minimum Rate APY*
91 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
10 Months $100,000 3.97% 4.05%
1 Year $100,000 1.00% 1.00%
17 Months $100,000 3.73% 3.80%
18 Months $100,000 1.09% 1.09%
2 Years $100,000 1.10% 1.10%
30 Months $100,000 1.29% 1.29%
3 Years $100,000 1.39% 1.40%
4 Years $100,000 1.44% 1.45%
5 Years $100,000 1.59% 1.60%

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change.  Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details.

Super Jumbo Certificates

Term Minimum Rate APY*
91 Days $250 0.50% 0.50%
6 Months $250 0.65% 0.65%
10 Months $250,000 4.02% 4.10%
1 Year $250,000 1.10% 1.10%
17 Months $250,000 3.78% 3.85%
18 Months $250,000 1.19% 1.19%
2 Years $250,000 1.20% 1.20%
30 Months $250,000 1.38% 1.39%
3 Years $250,000 1.49% 1.50%
4 Years $250,000 1.54% 1.55%
5 Years $250,000 1.69% 1.70%

*APY = Annual Percentage Yield. APY is subject to change without notice. Dividends compounded daily, paid monthly. Penalties will apply for early withdrawal of funds. Membership requirements apply. Minimum balance required. Certificate offer and rates subject to change. Upon Maturity, promotional term certificates will automatically roll over into a standard term certificate unless changes are made within a 10-day grace period. See Truth in Savings Disclosure for full details.

Open one today by calling 847.741.3344.

 

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Membership in KCT Credit Union is open to anyone who lives or works within the following counties: Dekalb, DuPage, Grundy, Kane, Kendall, McHenry, and Cook County west of Route 83.