Profit Payout Calculator

Estimate Your Profit Payout

In the past 13 years, we've shared $100 million with our members through Profit Payout—an average of $72 per qualifying household¹. Move the sliders below or enter your average balances to calculate your potential payout. You’ll need a qualified product from three categories to become eligible; and don’t forget, the higher your average balances are across all of the categories, the greater your payout could be.

Your Estimated Profit Payout

$0.00

Estimated Profit Payout

SAVE: Savings, CD, Money Market & Checking

Total average account balances. Need at least $1,000 combined between Savings, CD and Money Market or $1,000 minimum daily balance in Checking for 30 consecutive days.

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SPEND: Checking & Credit Card

Do you perform 7 or more credit card transactions or 7 or more checking account transactions per month ? (Checking account transactions include debit card purchases, checks, bill payments, and ATM withdrawals.)
Are you a business owner with an active Business Checking account?
MANAGE: Direct Deposit & Digital Banking

Do you have Direct Deposit or used Online Banking/Mobile App in the last 180 days?
BORROW: Vehicle, Personal, Secured Loan & Credit Card

Total average account balances.

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LIVE: Mortgage & Home Equity

Total average account balances.

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INVEST: Investment, IRA & Insurance

Total average Investment and IRA account balances.

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Do you have Home, Auto, or Life Insurance with us?

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CommunityAmerica South Plaza location lit up at night.

A Different Way to Bank

As a not-for-profit credit union, we put people ahead of profit. And while our Profit Payout is certainly part of that, it also means so much more. It’s our mission statement. Our rallying cry. Our sole focus. At CommunityAmerica, your goals are our goals. Which means we are committed to always doing what’s best for our members to help you achieve financial peace of mind.

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We Care for KC

Not only are we committed to our members, but also to our community. Supporting local nonprofit organizations making an impact in Kansas City is an essential part of CommunityAmerica. Through the creation of the CommunityAmerica Foundation, we work to make a difference with a variety of local nonprofit organizations.

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Hear From Our Members

Antionette T.

2024 on Google Places

We Appreciate Great Service

Clean environment. Friendly, helpful staff. Off the street Parking lot - good. Pretty quick & no wait. Thanks guys for your service, we appreciate great service! ❤️

Dave M.

2023 on Google Places

This bank is awesome

This bank is awesome. You'll always be welcomed by staff no matter how busy it is. Laid back establishment but quick transactions. Always warm cookies and coffee.

Member Favorites

Mortgage

Our team of friendly local mortgage experts can help you get into your dream home.

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Cashback Free Checking

Earn 4% cash back on the first $500 of monthly purchases for the first 12 months.²

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High Interest Savings

Grow your money faster at a rate of up to 5.00% APY¹ on balances up to $2,500.

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Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. The average profit payout received in 2025 was $72. 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. Names, photos and amounts used in testimonials reflect real customer experiences but may have been edited for clarity and length.

Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Chiefs Checking account or a Cashback Free 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 or Cashback Free 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 03/31/2023 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. Limit one Chiefs Checking or Cashback Free Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, or Loan Advantage. Qualifications for cash back: The membership account number tied to the Chiefs Checking or the Cashback Free Checking account must complete the following: Enrolled in eStatements; one direct deposit of $250 or more per month, not aggregated; 15 posted point-of-sale debit card transactions per month to a single checking account; OR enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking account. Transactions exclude refunds, credits, fees, pre-authorizations, and ATM transactions.

High Interest Savings. APY=Annual Percentage Yield and assumes interest is reinvested and the rate continues for a year. The APY is variable and may change after the account is opened. You must maintain the minimum daily balance required to obtain the applicable APY. Fees could reduce earnings on the account. First Tier: 5.00% APY from $1.00 - $2,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $2,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. First tier APY is conditional on meeting the following requirements on the day before the last day of the month to receive benefits for that same month: enrollment in eStatements; monthly direct deposit of at least $250 posted to one deposit account; 15 posted point-of-sale debit card transactions per month to a single checking account tied to the membership; OR enrollment in eStatements and 25 posted point-of-sale debit card transactions per month to a single checking account tied to the membership. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Each statement period that conditions are met after the account is opened, First Tier APY will be applied at the end of the statement period. If qualifications are not met, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. If Checking account relationship is terminated or becomes inactive, First Tier APY will discontinue and revert to the credit union’s base rate for Savings accounts until conditions are met. Limit one High Interest Savings or Delta Savings account per member. Rates effective as of 04/01/2024.