Truth in Savings Statement

1st Kansas Credit Union

Regular Share:
  • Minimum is $5.00 to join the Credit Union
  • Divide Rate .15% or as set by Board of Directors
  • Based on Average Daily Balance if the average is over $50.00
  • Paid Quarterly
  • Only 6 transfers or automatic withdrawals a month, Per Reg D
Share Draft Checking:
  • Minimum balance to open is $50.00
  • There is no limits on deposits/withdrawals
  • No Dividends paid on this account
Premium Account
  • Minimum to open is $2500.00
  • Has to be opened within the first 14 days of each quarter
  • Dividend Rate .35% or as set by Board of Directors
  • Dividends paid quarterly
  • Not linked to debit card, or checking account
Special Account
  • Minimum to open is $5.00
  • Extra savings account, not linked to debit card or checking account
Christmas Club
  • Minimum to open in $5.00
  • Only can open in January
  • Cannot withdraw until October 1st
  • No dividends paid
  • No transfers allowed online with this account
Fees that can apply to accounts:
    Insufficient fund fee $25.00 per item
    Paid Overdraft fee $15.00 per item
    Stop Payment Fee $25.00 per item
    Check Copy Fee $2.00 per item
    Account Reconciliation Fee $20.00 per hour
    ACH Return/Stop Payment Fee $25.00 per item
    Statement Copy Fee $1.00 per page
    Return Deposit item fee $25.00 per item
    Check Printing Fees $1.00 per page
    Loan Late Fee $25.00 after 30 days
    Inactive Share account fee if below $50.00 , $5.00 per month
    Check not made out to member $1.00 per check
Account Closure

Any account may be closed at the sole discretion of the Credit Union. Abuse of your account privileges constitutes grounds for closure of the account.
  • Inactive account
  • An account with no activity for 12 or more months, including deposits and withdraws


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