Accounts
KCCU offers a full range of share accounts, flexible savings, and high-yield fixed deposits — each designed to help members build ownership, earn dividends, and grow their savings in St. Vincent and the Grenadines.
Shares are a form of compulsory savings for members and represent your ownership stake in the Credit Union. They form KCCU's capital base, and dividends are declared at the Annual General Meeting.
Regular Shares
DividendsRedeemable shares held in accordance with the bye-laws of KCCU. Eligible for annual dividends declared at the AGM.
Permanent Shares
DividendsEvery member must acquire at least EC$100 in Permanent Shares. These shares are not redeemable and anchor your long-term membership.
Equity Shares
DividendsRedeemable shares in accordance with KCCU bye-laws. Members must maintain a minimum balance of EC$500 at all times.
Life Savings Insurance
Up to EC$10,000Share insurance provided to every member proportional to your shares and the timing of your share investment. Automatically included.
Deposit Accounts
Flexible everyday savings accounts with no minimum balance fees and unlimited transactions — deposit and withdraw whenever works for you.
Savings / Deposit Account
2.10% p.a.Deposit and withdraw funds at any time convenient to you. No fees for minimum balance or maximum transactions. Interest paid every June 30 and December 31.
Regular Shares Savings
1.00% p.a.This account — once a share account — has been converted to a flexible savings/deposit account. Deposit and withdraw any time without minimum balance or transaction fees.
Interest rates shown are indicative and subject to change. For current rates and terms, please contact KCCU on (784) 457-2409.
Fixed Deposits
Lock in your savings at a higher rate with KCCU Certificates of Deposit. Designed for members looking to grow their money with a fixed-term commitment.
Certificate of Deposit — 24 months
CompoundedKCCU members can purchase Certificates of Deposit with a minimum of EC$500 (US$185) for a 24-month term. Interest is compounded, and CDs automatically reinvest at maturity with interest credited to your deposit account unless you instruct otherwise.
Other Deposits
Specialized savings plans for life's big moments — education, holidays, youth savings, and more. Contact your nearest KCCU branch for full details and current offerings.
Goal-Based Savings Plans
Ask in-branchKCCU offers targeted savings products including youth accounts and seasonal savings plans. Speak with an advisor to find the right fit for your goals.
Also available
Building Capitalization Fund (BCF)
An investment opportunity for members — help fund KCCU's growth while earning returns. Separate from deposit accounts.