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Daily Savings
To open an account with the credit union, a savings account is required with a minimum $25.00 deposit. Dividends are paid monthly. A quarterly statement, showing a summary of your account(s), is sent to you electronically or mailed to your home. Deposits can be made to your account via mail, phone, night depository, internet banking, telephone audio response service, or in person at the teller counter.
We have “Bee a Saver” accounts, also known as Custodial Accounts, for our smallest members between the ages of 0-12. To open an account, a minimum $25.00 deposit is required. Dividends are calculated daily and paid monthly on balances of $100.00 or more. Once the child has more than $25.00 in the account, withdrawals may be allowed with a parent’s signature. This is a starter account that is designed to help children begin saving at an early age. What a great way to begin acquiring a sound financial future. Children will receive a free gift once the account is open.
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Vacation Club
A vacation savings account can be opened at any time during the year. Dividends are paid monthly and we'll deposit what you've saved into your checking account on June 1st. Make it simple by setting up an automatic transfer from your checking or savings account, or have your money payroll deducted from your check every time you are paid. By saving a little or a lot, you'll have peace of mind knowing that your vacation expenses will be covered.
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Christmas Club
Christmas savings accounts can be opened at any time throughout the year. Why not prepare yourself for the holidays? Set up payroll deduction, an automatic transfer from your savings or checking account, or just make regular deposits. Three options are available as to when you want to receive your funds: September, October, or November. Funds are automatically deposited into your checking or savings account based on the option that you choose.
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Money Market Savings
Minimum deposit in a Money Market Savings is $2,500.00. Rates are variable and can change at any time. This means if rates are going up, you are not locked into a fixed rate as you would be with a certificate. It allows you to keep cash available, while earning a higher rate of return than a basic savings account, with the flexibility to make deposits and withdrawals at any time (minimum withdrawal of $500.00 does apply).
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Money Market Gold
Minimum deposit in a Money Market Gold Savings is $25,000.00. With the Money Market Gold Account, the more you save the more you can earn. Rates are variable and can change at any time. This means if rates are going up, you are not locked into a fixed rate as you would be with a certificate. It allows you to keep cash available, while earning a higher rate of return than a basic savings account, with the flexibility to make deposits and withdrawals at any time (minimum withdrawal of $500.00 does apply).
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Share Certificate
Minimum deposit on a Share Certificate Account is $1,000.00. Dividends are paid monthly. Like a Money Market Account, Share Certificates offer a higher rate of return than a basic savings account. Share Certificates are for a specific period of time, which means once the deposit is made, funds are not available until the maturity date. Terms from 180 days to 3 years are available. Dividends on your certificate are paid monthly.
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IRA (Individual Retirement Account)
Opening an IRA is the perfect way to stay on track for your financial security. Choose from 3 different options; one is sure to meet your needs. IRA funds are insured up to $250,000. Current contribution limits for Traditional and Roth IRAs apply. Call for information on contribution limits.
Traditional IRA
The earnings on your account are tax-deferred until you begin withdrawing the funds at retirement age. The money you invest into a Traditional IRA may even be tax-deductible. (See your tax advisor for eligibility requirements.)
Roth IRA
Your money grows on a tax-free basis. Even though your contributions are not tax-deductible, your withdrawals will not be taxed as long as you follow the Roth IRA withdrawal rules.
Coverdell Education Savings Account
If you are wondering how you will pay for your child's education, a Coverdell Savings Account can be a smart way to save. Although contributions are not tax-deductible, your withdrawals (including earnings) are tax-free if used for tuition, books, and other qualified education expenses. Also ask about 529 Education Plans.
Contact our IRA specialists at 920-720-2572 or 800-236-5228 for more information.
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Checking Account
The credit union knows that everyone's needs are not the same, so we offer two different checking account services. Each plan offers different features, with one that is sure to fit YOUR individual needs. Avoid payday worries and hurries; have your check direct deposited to your account for immediate funds availability.
Traditional Checking
- No Per Check Fee
- No Monthly Service Fee with Direct Deposit or a Daily Balance of $200
- Dividends Paid on Daily Balances of $2500 or more
- No Minimum Balance with Direct Deposit
- ATM/VISA CheckCard Access
- Free Internet Banking
- Monthly Statement of Account – Ask about eStatements
Basic Checking
- No Per Check Fee
- No Monthly Service Fee
- No Minimum Balance
- ATM/VISA CheckCard Access
- Free Internet Banking
- Monthly Statement of Account – Ask about eStatements
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Investment Services
Investment Concepts Inc. (ICI) is a full service financial advisory firm, serving over 900 individual clients as well as providing corporate consulting services to such companies as Kimberly-Clark Corporation, Milwaukee Electric Tool, Copps Corporation, and a variety of smaller manufacturing clients throughout the nation.
Securities offered through SagePoint Financial Inc., a registered Broker/Dealer Member of FINRA/SIPC. Investment advisory services offered through Investment Concepts Inc., a registered investment advisory is not affiliated with SagePoint Financial Inc. SagePoint Financial Inc. is not affiliated with KimCentral Credit Union.
Products offered are not NCUA insured, are not obligations of this financial institution and are not guaranteed by this financial institution. Additionally, any products offered are not deposit accounts of this institution and are not insured by any depository insurance such as NCUSIF or a private share insurance or guaranty arrangement. There are risks associated with investing. These risks include: market and credit risk, fluctuation in value, no guarantee on rate of return, and potential loss of principal.
Through Investment Concepts Inc. and SagePoint Financial Inc., a wide range of investment products and services are available:
- Stocks and Bonds
- Mutual Funds
- Variable and Fixed Annuities
- Real Estate Investment Trusts
ICI specializes in the following areas:
- Retirement Planning- Traditional & Roth IRAs, Qualified Plan Rollovers and Employee Benefit Plans
- Estate Planning
- Corporate consulting for Defined Benefit and Defined Contribution Plans
- Exercising Stock Options
- Recommending investment allocation strategies
- College Planning- 529 Plans, Educational IRAs and UGMA & UTMA Accounts
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VISA Check Card
“Looks like a credit card, Works like a check”
Whether you're shopping around the corner or around the world, at stores or in restaurants, on-line or over the phone - pay using your KimCentral Visa CheckCard. The purchase will be deducted from your checking account. You'll get a receipt to take with you and a detailed record of every transaction on your monthly checking account statement. You can also use your CheckCard to obtain cash at an automated teller machine (ATM).
The Credit Union is a member of the Alliance One network. These are credit union owned ATMs that provide surcharge FREE ATM transactions as a convenience to our members. For ATM locations across America that offer FREE transactions visit www.allianceone.coop
Lost / Stolen Visa Check Cards please call:
Visa Check Card (during business hours) 800-236-5228 or
Visa Check Card (after business hours) 800-543-5073
Visa Check Card (for International - Collect Call) 727-227-2447
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