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Certificate of Deposit (CD). Minimum deposit for Certificate (CD) is $500, with the exception of the Saver CD which requires a minimum deposit of $50 to open. APY = Annual Percentage Yield. Assumes interest is reinvested and the rate continues for a year. Certificate interest is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal. Rates effective as of 10/21/2022.

Chiefs Checking Promotion. To receive the $150 credit, you must meet CommunityAmerica Credit Union membership eligibility requirements and (1) open a new Chiefs Checking account, which is subject to credit approval, between 10/03/2022 and 11/30/2022 (members with existing Chiefs Checking or Cashback Free Checking accounts, or with Chiefs Checking or Cash Back Free Checking accounts that have closed within the past six months do not qualify), and within 60 days of account opening, (2) set up a recurring monthly direct deposit of at least $250, not aggregated. The direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits from your employer or the government and be deposited into the new checking account. Person to person payments (such as Zelle) are not considered a direct deposit. Within 30 days of meeting qualification requirements, a $150 credit will be posted into the primary account owner’s membership savings account. The account must be open and in good standing at the time of payout to qualify for the credit. Examples of ineligible accounts may include: delinquent accounts, accounts that have caused the credit union to experience a loss, accounts in which we suspect illegal activity, fraud, scam or financial exploitation, or accounts involved in legal or administrative proceedings.
HIGH INTEREST SAVINGS: To receive the additional $100 credit, you must meet CommunityAmerica Credit Union membership eligibility requirements and open a new High Interest Savings account between 10/03/2022 and 11/30/2022 (members with existing High Interest Savings or Delta Share Savings accounts, or with High Interest Savings or Delta Share Savings accounts that have closed within the past six months do not qualify), and deposit a total of $1,000 or more in new money into the High Interest Savings account within 60 days of account opening. The new money cannot be funds currently held by CommunityAmerica Credit Union. Within 30 days of completing the above requirements, a $100 credit will be posted into the primary account owner’s membership savings account. Members with existing High Interest Savings accounts do not qualify.
Limit one $150 credit per Chiefs Checking account and per member. Limit one $100 credit per High Interest Savings account and per member. Offers subject to change without notice and cannot be combined with any other offer. The credit(s) may be reported as income on IRS Form 1099-MISC.

Limited Time Credit Card Offer. Applications are subject to approval. Valid promo code must be included on application. This offer is valid through 12/31/2022. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back, when you spend $2,000 on purchases in the first 90 days from account opening of the VISA® Signature Credit Card. Cash back is applied as a statement credit. "Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, interest, unauthorized or fraudulent charges, and fees of any kind. Points deducted if purchase returned. If you earn the 20,000 bonus points when you spend $2,000 in purchases within 90 days of account opening, please allow up to 6-8 weeks for bonus points to post to your account. Existing or previous cardholders may not be eligible. Account must be open and not in default at the time of fulfillment.

Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2022. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.

Auto Loan. Annual Percentage Rate (APR) as low as 5.19% available, subject to credit approval. Programs, offers, rates, terms and conditions are subject to change and expiration without notice and vary based on creditworthiness, qualifications, collateral, and loan terms. This is a limited time offer. Rates effective as of 11/01/2022.

Hybrid Home Equity. APR = Annual Percentage Rate. Introductory rate for the line of credit as low as 3.99% for the first year, then the APR will vary for the remaining life of the loan. As of 09/30/2022, this variable HELOC APR would have been 6.24% APR for 80% LTV. LTV = Loan to Value. For the HELOC, the Rate is subject to a minimum of 3.99%, and the maximum APR is 18%. Line of credit has a 10-year draw period with a maximum of 15-year repayment period. Minimum payment for master line of credit is calculated at the time a credit advance is made using a payoff period of 180 monthly payments or $150 minimum payment, whichever is greater. Rates are based on the Prime Rate published in the Wall Street Journal Money Rates Table plus margin. Home value may be determined by an appraisal or valuation with a cost to the member. Property must be a single family home and owner-occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000 based on LTV. Offer not available to members who have an existing Home Equity Loan or HELOC with us. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Promotion available for a limited time only. Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 10 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 09/30/2022, the fixed rate for an 80% Hybrid Locked segment is as low as 6.74%. Home Equity products are available in Kansas and Missouri only.

High Interest Savings. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $1,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 04/01/2022, unless otherwise noted. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $1,500 will earn first tier APY when ‘Qualifications for cash back’. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied to the next statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $1,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.