We provide the best services

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Since members own the credit union, savings are called "shares". Your savings account is therefore called a share account (Membership Application). Instead of interest, you earn dividends on your shares (savings), which come from the credit union's income after meeting expenses (Fee Schedule) 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.

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.

We offer Main Street Checks to our members at great prices. If you have placed at least one order with the company previously you may order directly through this link or contact the credit union for your check order.

This savings account is interest bearing just like regular shares, but allows you to have a separate savings to deposit money that you don't want ATM or Debit Card access to. You would access the funds by withdrawing them at the credit union or moving funds online to your share or share draft account. This is a great way to save for travel, taxes, or unexpected expenses.

Kilowatt Community Credit Union offers 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.

If your debit card is lost or stolen you can report it to Vantiv Card Services at 1-800-528-2273, 24/7.

This savings account is interest bearing like regular shares, but is not accessible by ATM or Debit. A penalty is assessed to the account for any early withdrawal. The funds will be available in the share account for holiday shopping on the first working day after October 1st.

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Kilowatt Community 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. Download, stop by or call the credit union for a loan application and return to the credit union to start the loan process.

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

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Member Benefits

We offer discount prices on movies and theme parks such as World's of Fun/Ocean's of Fun, Schlitterbahn Water Park, Six Flags and Big Surf.(Theme park tickets are seasonal. Call for availability.) Movie tickets may be purchased at the credit union for $8.25 per ticket. Click here for information on how to purchase online tickets for World's of Fun and Schlitterbahn.

We provide you with the tools to take control of your money and to simplify how you manage your finances. It's FREE, easy and secure! Access your account information when you need it. Check balances, review account activity, transfer money, make your loan payment and more.

You may have a Kilowatt debit MasterCard® for your share draft checking account. This card will also work to withdraw funds from your accounts at an ATM.

If your debit card is lost or stolen you can report it to Vantiv Card Services at 1-800-528-2273, 24/7.

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.

It's not always convenient to make a loan payment or add to your savings. That is why Kilowatt Community Credit Union offers time-saving direct deposit. With direct deposit, your loan payment, checking or savings deposit is made automatically and there is no waiting in line. 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.

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.


You may have money wired to your account by using the following information. 

ABA# 301180111

ABA# 286580878


If you wish to wire money from your account please contact us for the appropriate forms and further instructions. There is a $25.00 fee to send domestic wires.

About Us

Kilowatt Community Credit Union began on January 17, 1952. We are a not for profit financial cooperative, owned, controlled, and operated for the benefit of its members.


Monday – Friday
8:00 AM — 5:00 PM

Privacy Policy


America's Credit Unions

Credit unions are not-for-profit, member-owned financial institutions with a wide variety of services available to people from all walks of life.

Federally Insured


Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government.

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Get in Touch

  • Phone:
    (573) 635-2685

  • Fax:
    573-635-3203 (teller)
    573-635-1710 (loan)

  • Address:
    2422 Hyde Park
    Suite A.
    Jefferson City, MO 65109