Products
Savings
Share Savings
A share account with a minimum balance requirement of $5.00 establishes and maintains your credit union membership. The average daily balance calculates the dividend and pays monthly at a rate determined by the Board of Directors.
Christmas Club
The Christmas Club Account is a Kraftcor FCU member favorite. It helps you save for the holidays! It’s easy to save through payroll deduction, and you can save all year. The Board of Directors sets the dividend rate. Funds will be transferred to the member’s regular share account annually on October 15th. Take advantage of this convenient way to save and be worry-free for the holidays.
Vacation Club
We understand that saving for your next vacation can be difficult. We have the solution! Open your Vacation Club Account today. You can make deposits with payroll deduction, in-office deposit, mail, or transfer—in any amount, as often as you like!
IRA
Individual Retirement Accounts (IRAs) are a safe and secure way to invest in your retirement. There are two types of IRAs that Kraftcor FCU offers: Traditional and Roth. It is a good idea to start investing early on in your career because this allows you to earn more interest over time. Interest = Free Money. However, you can begin saving anytime during your working career.
| Accounts | APR* |
|---|---|
| $0.00 - $4,999.99 | 0.05% |
| $5,000.00 - $9,999.99 | 0.05% |
| $10,000.00 - $39,999.99 | 0.05% |
| $40,000.00 + | 0.05% |
| IRA Accounts | 0.30% |
Share Certificate Accounts
A share certificate account is a smart way to invest your money and watch it grow. With a share certificate account, you can earn higher interest rates than a traditional savings account. Plus, you can choose the length of your term. Investing in a share certificate account is a low-risk, low-maintenance way to make your money work for you. So why not open one today and watch your savings grow?
| Term | APY** |
|---|---|
| 6 Months | .300% |
| 12 Months | .401% |
| 24 Months | .501% |
| 36 Months | .652% |
| 48 Months | 1.004% |
Popular Products
Share Draft (Checking)
The credit union offers a share draft account with no minimum balance requirement, no monthly service charge, no per-check fee, and provides a detailed monthly statement. You also have an option for low-cost carbon copy checks for your records. Link your regular shares (savings) account for overdraft protection. Direct deposit, payroll deduction, and ATM/Debit VISA Cards are also available.
INTEREST-BEARING SHARE DRAFT ACCOUNT
The average daily balance calculates the dividend and pays monthly at a rate determined by the Board of Directors.
Credit Cards
When you use your card, you get rewarded! The Kraftcor FCU credit card is great for shopping in-store or online, paying bills, traveling locally or abroad, and earning rewards whenever you use it. We offer a fixed low-interest rate of 9.90% and offer occasional promotions.