As a not-for-profit credit union, we return our profit to those who bank with us in many ways—like better rates, lower fees and our Profit Payout*. In the past 13 years, we've returned $100 million to our members through Profit Payout. That’s an average of $72 per qualifying household! We want to reward you for making us your financial go-to. That’s why the more products and services you have with us, the bigger your Profit Payout potential could be.
To get your share of Profit Payout, you need a product from at least three of the six categories listed below. And don’t forget – the higher your balances, loans or deposits, the greater your Profit Payout potential.
Spend
Checking
Credit Card Requires 7 transactions a month.
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Save
Savings
Certificate (CD)
Money Market Minimum combined average balance of $1,000 for 30 consecutive days.
OR
Checking Minimum $1,000 balance for 30 consecutive days.
Learn More
Manage
Online Banking
Mobile App
Direct Deposit
Learn More
Borrow
Vehicle Loan
Personal Loan
Secured Loan
Credit Card
We want to make sure you know how to qualify and earn the largest payout possible with your accounts. So, we've highlighted a few areas that will ensure you are ready for Profit Payout Day 2026!
Profit Payout is a dividend that allows CommunityAmerica to share a portion of our profits with our members. Based on the average balance in qualified products across the six categories, members in good standing are eligible to receive a portion of the payout. Profit Payout must be approved annually by CommunityAmerica’s Board of Directors and is not guaranteed.
All members in good standing and who have qualified products in at least three of the six categories for the full calendar year. Profit Payout would be pro-rated for accounts opened less than one year.
Save – Minimum combined balance of $1,000 in Savings, CD & Money Market or Maintain at least $1,000 in a Checking account for 30 days
Spend – 7 transactions a month on your Checking or Credit Card
Manage – Use Online Banking, Mobile App or Direct Deposit
Borrow – Have a Vehicle, Personal, Secured Loan or Credit Card
Live – Have a Mortgage or Home Equity
Invest – Have Investment, IRA or Insurance services
Profit Payout is not guaranteed each year. It’s a discretionary payout that is approved annually by our Board of Directors when they determine our ability to offer Profit Payout. If approved, payouts are typically deposited into your membership savings account at the beginning of the year. The 2025 Profit Payout occurred on January 14, 2025.
Your Profit Payout potential is based on your use of qualifying products in at least three or more of the six categories and your average balances in those products. Use the Profit Payout Calculator to see an estimate of what your Profit Payout could be, based on your current average balances and categories.
*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.
Wealth Management by CommunityAmerica. Securities and advisory services offered through Copper Financial Network, LLC (“Copper Financial”), Member FINRA/SIPC. Copper Financial is a SEC registered investment adviser. Copper Financial is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by Copper Financial. For important disclosures from Copper Financial, including our Form CRS, please visit here. Investment and insurance products, including annuities:
Are Not Deposits
Are Not NCUA or otherwise Federally Insured
Are Not Obligations of or Guaranteed by the Credit Union
May Lose Value
Insurance. 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 of or Guaranteed by the Credit Union
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.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. The Annual Percentage Yield (APY) shown is effective as of 05/01/2023, unless otherwise noted, and assumes interest is reinvested and rate continues for a year. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $2,500 will earn first tier APY when ‘Qualifications for cash back’ are met. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied at the end of the statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $2,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled 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; 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.
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