put your savings to work
with our outstanding deposit rates
certificate specials
For a limited time only, we are offering certificate specials with great rates and you can choose the term - the choice is yours! Pick the certificate that best fits your needs: 7-, 10-, or 13-month terms available.
Whether you have a certificate coming due, your tax refund, annual bonus, or money transferred from another financial institution, we want to help you earn more for your money!
Choose from a 7-, 10-, or 13-month certificate.
- Rates as high 4.35% APY*1, using VIP Lifetime Rewards and minimum balance of $50,000.
- Rates as high 4.25% APY*1, using VIP Lifetime Rewards and minimum balance of $500.
high dividend checking and savings accounts
If you are seeking better rates with quick and easy access to your funds, we encourage you to explore KCCU’s other high dividend accounts:
Or if you are in need of assistance with investments, insurance or long-term financial planning our Investment Services team is here to assist you. Schedule your free financial review today!
VIP (Value In Participation) Rewards3
We appreciate our members and understand you have many options when it comes to choosing your financial institution. To show our appreciation, we offer our VIP Rewards The more products and services you use at KCCU, the more VIP points you will earn allowing you to save more money!
VIP Reward Points - With Reward Points every month you can enjoy savings and earn free services based on your VIP level, such as the following services: ATM transactions, money orders, cashier’s checks, coin processing and more!
VIP Lifetime Points - All members can earn VIP Lifetime Points. Lifetime points accumulate from month to month and can be saved for up to 24 months. These points can be redeemed over time for better rates, fee waivers and more! With 20,000 Lifetime points you can take advantage of up to a .25% APR** discount on auto loans or up to a .25% APY* rate bump on certificates.
Excess Share Insurance
Enjoy piece of mind knowing that KCCU provides you with an extra layer of share insurance, so your deposits are protected at the highest level possible. Your member share savings accounts at KCCU are protected up to $500,000 – the highest level of combined federal/private share savings insurance available. The federal government (NCUA) provides $250,000 of protection, and the Excess Share Insurance Corporation (ESI), a licensed property casualty insurer, provides an additional $250,000 for member accounts. Learn more about ESI Share Insurance
we're here for you!
Please keep in mind that once you are a member of KCCU, you are always a member, no matter what your needs are or where life may take you. If you need assistance give us a call at 269.968.9251 to speak with a Member Service Representative, email us, or if you are near a branch stop in to see us — we’d be happy to help!
*APY=Annual Percentage Yield.
**APR=Annual Percentage Rate.
1 Rates accurate as of April 1, 2025. Limited time offer. Other rates and terms available. Rates advertised are based on 0.25% APY rate increase using 20,000 VIP Lifetime Reward Points. If member does not have enough Reward Points, they will earn the standard APY. For 7-, 10-, or 13-month certificates earn 4.00% APY on balances $500.00 - $49,999.99, and 4.10% APY on balances $50,000.00 and greater. Fees could reduce earnings. Penalty may apply for early withdrawal. At maturity certificate term will renew at 12-month term at then current rate. Membership Required. Federally insured by NCUA.
2 Rate accurate as of March 5, 2025. 5.25% APY is earned on eChecking account deposit balances up to $15,000.00 per month. Balances $15,000.01 or greater will not earn interest. Rate is variable and is subject to change at any time without notice. No minimum to earn or open. Interest is calculated on an average daily balance for the month. Fees and other conditions may reduce earnings on this account. Must have a credit score of 640 or higher and meet requirements to qualify for rate. Qualification requirements: monthly direct deposit into your eChecking account (with a minimum deposit of $500); minimum twenty monthly debit card transactions must post to your account by the end of each month; minimum of four monthly online banking logins; and actively enrolled in bill pay and eStatements.
3 VIP Rewards Program subject to change at any time without notice. Restrictions may apply. Existing KCCU loans do not qualify for the rate discount. Certificate bonus is only available on new certificates.
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