CommunityAmerica Disclosures

Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. The average profit payout received in 2024 was $92. 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.

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. 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 checking accounts. 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.

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. 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 07/31/2023 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 checking accounts. 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.

Must be age 13-24 to qualify. Must be age 18 to open account online. Automatically converts to a Free Checking account at age 25.  

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.

APY = Annual Percentage Yield. 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 listed on the Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. All interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a $20 monthly fee if the balance falls below $25,000 at any time. Rates effective as of 05/02/2023.

APY = Annual Percentage Yield. Rates effective as of 1/2/2024. Locked-Rate Money Market balances $0 and above will receive 3.25% APY through 9/30/2024. Assumes interest is reinvested and the rate continues for a year. Fees listed on the Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. All interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. This account requires a $1,000 minimum opening deposit. This account is subject to a $10 monthly fee if its balance falls below $1,000 at any time. On 10/1/2024, this account converts to a Money Market Savings account and becomes subject to applicable tiers, interest rates and APYs for the Money Market Savings account at that time. Money Market Savings rates are variable and may change without notice. You must maintain the minimum daily balance required to earn the applicable APY. The following balance tiers and APYs are accurate for the Money Market Savings as of 1/2/2024; Under $10,000: 0.25%; $10,000 to $24,999.99: 0.30%; $25,000 to $49,999.99: 0.35%; $50,000 to $99,999.99: 0.40%; $100,000 to $149,999.99: 0.45%; $150,000 to $249,999.99: 0.50%; $250,000 to $499,999.99: 0.55%; $500,000 and above: 0.60%.

Minimum deposit for Certificate of Deposit (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 of Deposit interest is earned at the applicable term’s fixed rate until the Certificate of Deposit matures. Fees could reduce earnings on the account. Certificate of Deposit accounts are subject to substantial penalty for early withdrawal. Rates effective as of 08/01/2024.

2.75% APY.  APY = Annual Percentage Yield is accurate as of 11/01/2023 and is subject to change at any time. Funds can be contributed to this CD throughout the initial term of the CD. A penalty will be imposed for early withdrawal. Fees could reduce earnings. CD Rate cannot be bumped in conjunction with any other offers. Not available on Certificate of Deposit IRAs or Business Certificates of Deposit.

APY = Annual Percentage Yield is valid as of 05/28/2024 and is subject to change. Applicable term’s rate is fixed until maturity. Minimum opening balance is $500. Maximum IRA contribution and age limits set by the IRS apply. A penalty may be imposed for early withdrawal. An Internal Revenue Service penalty may also apply for early withdrawals; please consult a tax professional. Fees could reduce earnings.

APR = Annual Percentage Rate. Offers subject to credit approval; terms may vary. For rate and fee information, click here. For our Credit Card Agreement, click here. There is a 0% Introductory APR for 18 months after account opening for this account. After that, your standard APR will be 17.49% or 19.49% depending on your credit history. This APR will vary with the market based on the Prime Rate. Offers subject to credit approval; terms may vary. No minimum interest charge, foreign transaction fee or annual fee with this account. Balance Transfer Fee and Cash Advance Fees are 3% (min. $5) with a maximum fee of $75. Intro rate not available to current CommunityAmerica credit card holders or prior CommunityAmerica credit card holders whose account was closed within the past 6 months.

Earns 1% cash back on every dollar spent on qualified purchases. Example: $1,000 spent earns 1000 points, which may be redeemed for $10 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

Earns unlimited 1.5% cash back on every dollar spent. Example: $1,000 spent earns 1500 points, which may be redeemed for $15 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

Offer valid for members or applicants that qualify for membership and open a new Visa® Low Rate card account (subject to credit approval) using promo code Credit101. Upon opening the Visa® Low Rate card account with promo code Credit101, you can earn $5 a month and up to $30 max, for on-time monthly payments made in your first 6 billing cycles. To qualify for the $5 credit, the payment must be made by the payment due date shown on your billing statement and must be greater than $0 and greater than or equal to the minimum payment due on your account. Each $5 credit, up to $30 max, will be deposited into your membership Savings account within 60 days of the on-time payment. You must be in good standing with the Credit Union at the time of the $5 deposit. Offer ends 12/31/2023 and is subject to change without notice. Limit six $5 deposits (max $30) per member and per qualifying Visa® Low Rate card account. The $5 credits may be subject to IRS tax reporting.

CommunityAmerica Visa® Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa®.

Annual Percentage Rate ("APR") is for well-qualified borrowers. Offers of credit may vary based on your creditworthiness. Property insurance is required. Kansas residents are required to pay state mortgage tax of $1.00 per $1,000 of mortgage filed. Current rates subject to change without notice.

Rates differ based on individual credit score, length of loan term and the amount of the loan. Rates are subject to change. Payment Example: $20,000 at 2.99% APR; 63 monthly payments of approximately $343.86.

Annual Percentage Rate (APR) as low as 6.94% 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 11/13/2023.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 11/13/2023.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan. Rates, terms and conditions are subject to change or expire without notice. Rates effective as of 11/13/2023.

APR = Annual Percentage Rate. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. Rates effective as of 01/02/2024.

Limited to Kansas City and St. Louis Metro areas. Annual Percentage Rate (“APR”) is for well-qualified borrowers. Offers of credit may vary based on your credit worthiness. Property insurance is required. Current rates subject to change without notice. All loans subject to approval.

APR (Annual Percentage Rate). Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed below and in the account agreement. As of 04/01/2023, loan rate is 3.99% APR and is subject to change without notice. As of 04/01/2022, the APY (Annual Percentage Yield) of the share savings account is .03% APY on balances up to $49,999.99 and .05% APY on balances of $50,000 and higher and is subject to change without notice. Minimum balance to open savings account is $1. Fees may reduce earnings on the account. After successful repayment of the loan, the balance on hold in the share savings account (which includes the interest earned minus loan interest) will be disbursed to the borrower. After 25 days delinquent the ScoreMore Loan will automatically close and the funds in the pledged account will be applied to settle the loan. Claims of “building credit”, “boosting credit”, “improving credit”, “increases credit scores by 60 points on average”, and “increases savings balance by $253 on average” are based on a CFPB study titled “Targeting Credit Builder Loans: Insights from a Credit Builder Loan Evaluation” (July 13-17, 2020). Not all borrowers will experience these benefits, some may not experience any of these benefits, and some borrowers may experience a lower credit score, depending on each individual borrower’s unique circumstances.

APR = Annual Percentage Rate. Introductory rate for the line of credit as low as 6.49% for the first year, then the APR will vary for the remaining life of the loan. As of 09/15/2023, this variable HELOC APR would have been 7.99% APR for 70% LTV. LTV = Loan to Value. For the HELOC, the Rate is subject to a minimum of 6.49%, 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 $350,000 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 15 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 09/15/2023, the fixed rate for an 70% Hybrid Locked segment is as low as 8.49%. Home Equity products are available in Kansas and Missouri only.

Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you.

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

Life Insurance products are offered by Copper Financial Network, LLC (“Copper Financial”) in its capacity as an insurance agency. Copper Financial Insurance Advisors are only authorized to offer non-securities insurance products. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by Copper Financial. Life Insurance products:

 

Are Not Federally Insured

Involve Investment Risk

May Lose Value

Are Not Obligations or Guaranteed by the Credit Union

See contract for complete details on the Extended Warranty Plans. Complete terms and conditions are contained within each Service Agreement. Plans are subject to change.

LifeLock does not monitor all transactions at all businesses. $3 million coverage in our Ultimate Plus plan consists of up to $1 million each for Reimbursement, Expense Compensation, and Lawyers and Experts. Total coverage and category limits vary depending on plan chosen. Benefits under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at NortonLifeLock.com/Legal.

Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), a broker-dealer and SEC registered investment adviser. Member FINRA/SIPC. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union (“CommunityAmerica”) and makes non-deposit investment products and services available to its members. Representatives are registered with Copper Financial. CommunityAmerica and Wealth Management by CommunityAmerica are not broker-dealers or investment advisers. For important disclosures from Copper Financial please visit here.

 

Copper Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed.

 

Link to the Copper Financial Customer Relationship Summary.

 

Investment and insurance products offered through Copper Financial:

 

Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Obligations of or Guaranteed by the Credit Union

May Lose Value

Educational and career services offered through CommunityAmerica are intended to aid in achieving post-secondary educational and career goals. Education and Career Planners do not guarantee outcomes, including admission to or financial aid for post-secondary training nor warrant the validity of information provided by third parties or post-secondary institutions.

Subject to annual review and credit qualification. Must meet school's Satisfactory Academic Progress (SAP) requirements. Membership Eligibility. Must live or work in the Kansas City area in these counties: Kansas City Metro Counties: Live or work in Jackson, Cass, Clay, Platte, Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, or Wyandotte. St. Louis Metro Counties: Live or work in St. Louis County. Family Membership: If a family member is either a current member or is eligible for membership by living or working within one of our 12 counties above, you can join, too. An eligible family member is defined as a spouse, child, sibling, parent, grandparent, grandchild, aunt/uncle, niece/nephew, cousin or legal guardian and includes step, in-law and adoptive relationships.

For joint accounts, signatory will be primary insured person. Must be age 18 or older. Confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75. Outpatient Emergency Room benefits do not reduce due to age.

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.