Empower Blog

February 14, 2022

Tips to Maximize Your Profit Payout


As a not-for-profit credit union, we return our profits to those who bank with us in many ways, including better rates, lower fees, and of course – Profit Payout1. In 2023, we gave back a record-breaking $9.5 million to more members than ever before through the CommunityAmerica Profit Payout Program! That’s an average of $99 per qualifying household. We want to make sure all our members are aware of how to qualify and earn the largest payout possible with their accounts. So, we’ve highlighted a few areas below that will ensure you are ready for Profit Payout Day 2024:

Profit Payout Eligibility

Qualifying for Profit Payout is fairly simple. To get your share, you need a product from three of six categories – Save, Spend, Manage, Borrow, Live, and Invest2. Here’s a breakdown of the six categories:

  • Save – Minimum combined balance of $1,000 in a Savings, CD, or Money Market
  • Spend – 7 transactions a month in a Checking or Credit Card account
  • Manage – Active user in Online Banking or Mobile App, or have Direct Deposit set up
  • Borrow – Have a Vehicle, Personal, or Secured Loan
  • Live – Have a Mortgage or Home Equity
  • Invest – Have Investment, IRA (minimum balance > $100), or Insurance3 products

Our goal is to reward you for making us your financial go-to. That’s why the more products and services you have with us – as well as the higher balances you have in your accounts – the bigger your Profit Payout potential could be. Simply checking off these categories is the easy part; the next step is understanding how you can grow your payout. Keep reading for a couple ideas to grow your payout amount in the future.

Finance Your Home with CommunityAmerica

The easiest way to receive a larger payout would be to finance your home with us. The higher your balances, the greater your Profit Payout potential – and no loan is going to be worth more than your home loan. On average, qualified mortgage holders earn a Profit Payout of $289! When working with us, you can expect competitive mortgage rates, local servicing, and valuable experience as a top mortgage lender in KC – all on top of an increased share of Profit Payout. You can learn more about our mortgage offerings here.

Grow Your Balances

Don’t forget – the higher your balances, the greater your Profit Payout could be. This is just one more reason to work on building your savings in the new year. After all, you do need at least more than $1,000 combined between all Savings, CDs, and Money Market accounts in order to qualify in the Save category. Any amount over $1,000 in savings will go to further increasing your payout come next year. So, don’t give up just yet on your New Year’s resolution to work on your finances and save more money

At CommunityAmerica, we are here to help our members reach financial peace of mind. The more involved you are with the credit union, the better we are able to help you reach your financial goals and put you on a path to thrive. Profit Payout is just one of many benefits that come along with being a dedicated member. Visit our Profit Payout Page to learn more on the program and calculate your potential payout. If you have questions on your Profit Payout, don’t hesitate to contact us; we want to ensure every member is rewarded for supporting CommunityAmerica and making us their financial go-to.
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About the Author
tara wandtke
Tara Wandtke

Manager - Branch Sales

Tara Wandtke is the Manager - Branch Sales in CommunityAmerica Credit Union's South Region.