Earning power you can count on

Skip the fees and go straight to the rewards with a free checking account that pays dividends. 

Benefits You'll Love

  • Competitive rates to help you earn
  • Earn dividends even if qualifications aren't met
  • Digital banking options for on-the-go
  • Free Mastercard® debit card

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, payment transactions and purchases made with debit cards not issued by My Community CU. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $25,000 receive APY of 5.00%; and balances over $25,000 earn 0.76% interest rate on the portion of balance over $25,000, resulting in a range from 5.00% to 0.76% APY* depending on the account's balance (2) you will receive reimbursements up to $30 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.06% APY and ATM withdrawal fees are not refunded. Dividends and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/01/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Monthly Direct Deposit/ACH credit, enrollment in electronic services, and log-ons are a condition of these accounts and required to meet all of the account's qualifications. Limit 1 account(s) per individual taxpayer identification number. All rewards, cash back, and ATM reimbursements will be credited to the appropriate Kasasa account on the last day of the current statement cycle. A minimum opening deposit of $25 is required for Kasasa Cash. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.

Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Auto & Motorcycle Loans

Loan Type 36 Month APR 60 Month APR 72 Month APR
New (2024 - 2023) 5.24% 5.74% 5.99%
Used (2024 - 2020) 5.49% 5.99% 6.24%
Used (2019 - 2018) 6.04% 6.29% 7.49%
Used (2017 and older) 7.09% 7.89% N/A

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

For motorcycles, add 1.00% to the base auto loan rate.

Payment Example: New auto loan of $20,000 for 60 months at 5.24% APR will have a monthly payment of $380.
Payment Example: New auto loan of $30,000 for 72 months at 5.49% APR will have a monthly payment of $490

Cash Secured Loans

Loan Type APR
Savings Secured Loan 3.30% above pledged shares
Certificate (CD) Secured Loan 2.30% above pledged certificate

CD/Share Certificates

Term Minimum Balance Dividend Rate APY
6 Month
12 Month
15 Month
18 Month
24 Month
36 Month
48 Month
60 Month
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
3.93%
4.07%
4.17%
4.41%
4.07%
3.59%
3.35%
2.96%
4.00%
4.15%
4.25%
4.50%
4.15%
3.65%
3.40%
3.00%
Jumbo Certificates
6 Month
12 Month
15 Month
18 Month
24 Month
36 Month
48 Month
60 Month

$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00

4.02%
4.17%
4.27%
4.51%
4.17%
3.69%
3.45%
3.06%

4.10%
4.25%
4.35%
4.60%
4.25%
3.75%
3.50%
3.10%
Youth Account Certificates
6 Month
12 Month
24 Month

$500.00
$500.00
$500.00

3.93%
4.17%
4.17%

4.00%
4.25%
4.25%

Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

After your certificate is opened, the dividend rate is fixed for the term.

Certificates may have a penalty imposed for early withdrawal.

Credit Cards

Loan Type APR
MasterCard Rewards Card
$25 Annual Fee, 25 Day Grace Period
As low as 16.49%
MasterCard Platinum Card
No Annual Fee, 25 Day Grace Period
As low as 13.50%
Cash Secured Card
No Annual Fee, 25 Day Grace Period
As low as 14.00%

Deposit Accounts

Account Type Minimum Opening Deposit Minimum Balance to Earn Dividend Rate APY
Prime Checking
$1,000.00

$25.00

$1000.00

0.20%

0.20%

Home Loans

Please contact Ladana Inkman for an interest rate quote: 469-774-2020 or email: [email protected]

IRA Certificates

Term Minimum Balance Dividend Rate APY
6 Month
12 Month
24 Month
36 Month
48 Month
60 Month
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
$1,000.00
3.93%
4.07%
4.07%
3.59%
3.35%
2.96%
4.00%
4.15%
4.15%
3.65%
3.40%
3.00%
Jumbo Certificates
6 Month
12 Month
24 Month
36 Month
48 Month
60 Month

$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00
$75,000.00

4.02%
4.17%
4.17%
3.69%
3.45%
3.06%

4.10%
4.25%
4.25%
3.75%
3.50%
3.10%

Dividends will be compounded and credited quarterly. If you close your share account before dividends are paid, you will not receive the accrued dividends.

After your certificate is opened, the dividend rate is fixed for the term.

Certificates may have a penalty imposed for early withdrawal.

Kasasa Cash*

Balance Rate APY
$5 - $25,000 4.89% 5.00%
$25,000+ 0.76% 5.00% to 0.76%
All balances if qualifications not met 0.06% 0.06%

Minimum deposit of $25.00 required to open Kasasa Cash account.

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Enroll and log into online banking

Kasasa Saver*

Balance Rate APY
$5 - $25,000 0.85% 0.85%
$25,000+ 0.75% 0.85% to 0.75%
All balances if qualifications not met 0.06% 0.06%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Enroll and log into online banking

Personal Loans

Loan Type APR
Unsecured Loans As low as 12.74%

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

Recreational Vehicles

Loan Type 36 Month APR 60 Month APR 72 Month APR
New (2024 - 2023) 8.75% 9.25% 10.25%
Used (2024 and older) 10.25% 10.70% 11.00%

Rates include discount for automatic payment. Collateral subject to approval. Rates based on creditworthiness.

Savings Accounts

Account Type Minimum Opening Deposit Minimum Balance to Earn Dividend Rate APY
Savings Account
$5.00-24,999.99
$25,000 & over

$5.00
$5.00

$5.00
$5.00

0.10%
0.10%

0.10%
0.10%
Christmas Club
$5.00-24,999.99
$25,000 & over

$5.00
$5.00

-
-

0.50%
0.50%

0.50%
0.50%
IRA Savings
$5.00-24,999.99
$25,000 & over

-
-

-
-

0.10%
0.10%

0.10%
0.10%
Money Market
$2,500-24,999.99
$25,000 & over

$2,500.00
$2,500.00

$2,500.00
$25,000.00

0.15%
0.20%

0.15%
0.20%

Dividends will be compounded and will be credited monthly. Average Daily Balance.