At CommunityAmerica, we’re dedicated to the financial well-being of both our members and community. It’s this commitment that drives us to share our profits with our members, to participate in the Paycheck Protection Program to help local businesses through challenging times and to support local nonprofit organizations making an impact in our area. As your truly local credit union, we are proud to be your trusted banking partner.
As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout3. This year, our members received $8.4 million in Profit Payout. That’s an average of $99 per qualifying household! The more products and services you have with us, the bigger your Profit Payout potential could be.
Been a member since I was 15 starting a new job. Always had a pleasant experience. Just recently reached out to see if I could add a separate checking. An assistant manager stepped up and answered all my questions promptly. She signed me up online, due to pandemic worries, with ease. The next day I opened my app and the account was already synced and ready. Amazing job, had no idea how up to date their technology was. Thank you so much!!
When it comes to our Mobile App, we’ll admit we’re a bit biased. After all, we worked hard to make it possible to do just about everything you can in a branch right from your smartphone. But tens of thousands of Kansas Citians have made their voices heard, too. The results? Near-perfect ratings on both the App Store® and Google Play™. The feeling of love is mutual, KC.
As the Exclusive Banking Partner of the Kansas City Chiefs, we want to give all of Kansas City the opportunity to bank like a champion. Our Chiefs Checking is a free checking account with cheer-worthy perks like 1% cash back7 on the first $500 of monthly purchases, an exclusive Visa® Chiefs debit card, discounts at the Chiefs Pro Shop and more.
Wealth Management by CommunityAmerica. Securities and advisory services offered through CommunityAmerica Financial Solutions, LLC (“CAFS”), Member FINRA/SIPC. CAFS is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CAFS. CAFS is a SEC registered investment advisor. For important disclosures from CAFS, please visit here. Investment and insurance products, including annuities:
Are Not Deposits
Are Not NCUA or otherwise Federally Insured
Are Not Bank Guaranteed
May Lose Value
Auto Insurance. Insurance products may be sold through CommunityAmerica Insurance Agency, LLC, a wholly owned subsidiary of CommunityAmerica CUSO One, LLC and a licensed insurance agency in Missouri and Kansas. Insurance products:
Are Not Federally Insured
Involve Investment Risk
May Lose Value
Are Not Obligations or Guaranteed by the Credit Union
Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2021. 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 2.99% 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. Stated APR includes 0.25% discount for existing members (membership open more than 90 days) who meet the following single membership qualifications at loan closing: 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; Stated APR includes 0.25% discount for new members (membership open less than 90 days) who provide a valid email address. This is a limited time offer. Rates effective as of 04/07/2021.
Hybrid Home Equity. APR = Annual Percentage Rate. Introductory rate for the line of credit as low as 1.99% for the first year, then the APR will vary for the remaining life of the loan. As of 05/17/2021, this variable HELOC APR would have been 3.99% APR for 80% LTV. 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 $150.00 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 is based on a full appraisal, which is required, at the member’s expense. Property must be a single family home and owner-occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000. 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 at 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. Repayment terms of 60, 120 and 180 months available for fixed portions. As of 05/17/2021, the fixed rate for an 80% Hybrid Locked segment is as low as 4.49%.
High Interest Savings. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.025% 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 04/07/2021, 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.
Chiefs Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to the Chiefs Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Chiefs Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 04/07/2021 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. This account requires eStatements to avoid conversion to different checking product not eligible for cash back. Limit one Cashback Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, Loan Advantage or Cashback Free Checking. Qualifications for cash back: The membership account number tied to the Chiefs Checking 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.
