Member Services

How to Join: Simply complete an account card with the credit union and return with a check for at least $5.00 to open your savings account. Dividends are earned on accounts with an average monthly balance of $25.00.

Checking (Share Draft) Account: Free Checking .. no monthly service charge, required $100.00 deposit to savings plus minimum opening balance of $200.00 (total opening deposit of $300.00). Canceled share drafts will not be returned. A nominal monthly fee of $3.00 will be charged if copies of share drafts are requested.

We now offer the online service of My Travel Wallet for all of your traveling needs!

Click here to download a Share Draft Account Reconciliation Form

Direct Deposit: This is a great service to you, our member. Whether it's payroll, social security, or veterans benefits, having your checks automatically deposited to your credit union account allows you to save easily and obtain quick access to your funds without the worry of mail theft or tampering.

Kamiah Community Credit Union's routing and transit number, also known as our American Bankers' Association (ABA) number, is 323173193.

Your share drafts must bear this routing number (323173193) on the lower left corners or they will be returned unpaid.

All electronic transactions, such as "direct deposits" and "wires," should also use routing number 323173193. You also need to include your four or five digit account number with all electronic transactions.

• New Autos
  
• Used Autos
  
• VISA Credit Card
  
• Signature
  
• Overdraft Line of Credit
  
• Vehicle Secured
  
• Second Mortgage
  
• Recreational Vehicles and Equipment
  
• First Mortgage (Idaho Credit Union League)
  
• Share and Share Certificate Secured

VISA Credit Card: Your Kamiah Community Credit Union VISA Credit Card is a great value. When many banks offer a teaser rate for six months or so and then jack the interest rate up to 23.99%, your KCCU VISA Credit Card interest rate has stayed the same. Our low rate is one reason to apply for our VISA card today. Fill out the online application today just mark VISA on the loan application.

VISA Debit Card: With your KCCU VISA Debit Card you can get cash from your account in two ways. For a small fee with your PIN you can access any ATM that displays the VISA or Star logo and with no fee when you do a transaction at a POS terminal. Most grocery and department stores have POs terminals that allow cash back. Ask the clerk when you start your transaction if they allow cash back.

Share Certificates: Six (6), twelve (12), and twenty-four (24) month share certificates are available for a minimum deposit of $500, $1000, or $2,500. The minimum deposit is based on the type and term of the certificate. Our rates are always competitive.

Christmas Club Savings: An annual savings account that runs from January to October. Allocate a specific amount to save each year and we can set up a monthly transfer from your account to reach your savings goal. This account can be used to save not only for Christmas but for property taxes or vacations. Funds are not available until maturity.

Other Services Available To You:

• Travelers Checks
  
• Money Orders
  
• Free Notary Service
  
• Kelley Blue Book Information
  
• Disability/Life Insurance for Loans
  
• Credit Union Paid Share Insurance/Shared Expense for loan life insurance
  
• Mechanical Breakdown Contracts/GAP Policies
  
• Safe Deposit Boxes