Kilowatt Community Credit Union

About Us

Kilowatt Community Credit Union began on January 17, 1952 in Jefferson City, MO. We are a nonprofit financial cooperative, owned, controlled, and operated for the benefit of its members. Kilowatt Credit Union serves employees of Ameren UE Corp., Eugene Cole R-V School District, the families of these groups, and anyone living or working in the counties of Cole or Callaway. You may become a member by depositing a minimum of $25.00 in a share account and completing a membership card.

SHARE (SAVINGS) ACCOUNT
Since members own the credit union, savings are called “shares.” Your savings account is therefore called a share account. Instead of interest, you earn dividends on your shares (savings), which come from the credit union’s income after meeting expenses and legal reserve requirements. The dividend paid by the credit union is determined by the Board of Directors and is generally higher than the passbook rate of other financial institutions.

SHARE DRAFT (CHECKING) ACCOUNT
Checking accounts with no monthly service charges, no per-check fees, and no minimum balance are available. Monthly statements of your checking account activity will be provided. You have an option to choose Overdraft Protection. If funds are not available in your checking account an overdraft can automatically be transferred from your savings account. Upon approval an overdraft loan is also available. Click here to access our Fee Schedule associated with the share draft account.

DEBIT CARDS
Kilowatt Credit Union offers MasterCard debit cards. There is a $500 limit for point of sale and $300 limit for ATM withdrawals. Please contact the credit union for application and details.

LOANS
Kilowatt Credit Union offers a variety of economical loan programs. Loans for new or used automobiles, boats, motorcycles, lawn tractors, computers, bill consolidation, student loans, even Christmas expenses, are available to qualified members. Your loan rate will depend on your beacon score on your credit report. Stop by or call the credit union for a loan application and return to the credit union to start the loan process.

HOME EQUITY LINE OF CREDIT

We offer Home Equity Lines of Credit. 4.49% guaranteed for 12 months. (Some qualifications apply.) Please contact Melissa at 573-635-2685 for more information!

CDS
Kilowatt Credit Union offers Certificates of Deposit at very competitive rates. Call the credit union for current rates.

MEMBER BENEFITS

ATM CARDS
You may use your ATM 24 hours a day/7 days a week. We own two ATM machines. One is located at 3714 West Truman Blvd. inside the Conoco station. Our second ATM is located at the Callaway Plant in Fulton, MO. Click here to access our ATM fee schedule for fees associated with ATM use.

DIRECT DEPOSIT/PAYROLL
It’s not always convenient to make a loan payment or add to your savings. That is why Kilowatt Credit Union offers time-saving payroll deduction and direct deposit. With payroll deduction or direct deposit, your loan payment, checking or savings deposit is made automatically and there is no waiting in line. You may change your payroll deduction anytime by simply contacting the credit union. You can even channel a portion of your deposit into another person’s account. It’s a great way to start your children a savings account.

NIGHT DEPOSIT/NOTARY
If you need to drop off your deposit after hours we have a convenient night deposit box. For those documents needing a notary to sign we offer a notary service to our members. Bring in those important documents to have notarized.

WIRE TRANSFERS
You may wire transfer money by using the following information. There is a $15.00 – $50.00 fee.
WIRE TO:
MISSOURI LEAGUE CORPORATED CREDIT UNION
ST. LOUIS, MISSOURI
ABA# 281085585
FURTHER CREDIT:
KILOWATT CREDIT UNION
ABA# 286580878
FINAL CREDIT:
MEMBER’S NAME
MEMBER’S ACCOUNT NUMBER

CHRISTMAS CLUB
Many of our members take advantage of our Christmas Club to save for the holiday season. The money in your Christmas Club account will become available for holiday shopping on October 1st.

DISCOUNT MOVIE/THEME PARK TICKETS
We offer discount prices on movies and theme parks such as Silver Dollar City, Six Flags and Big Surf. (Theme park tickets are seasonal. Call for availability.) Movie tickets may be purchased at the credit union for $7.00 per ticket.

We are available to serve you Monday – Friday 8:00 AM-5:00 PM

We accept cash and checks as methods of payment.

Photos

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