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Deposit Services
CHECKING ACCOUNTS
Community Classic
For those who desire the best, this account pays premium interest
and offers a host of services absolutely free!
Community Advantage
Our money market checking is designed for those who want a higher rate of interest with the convenience of writing checks.
Community Interest Plus
This checking account offers interest and carries no monthly service charge.
- $500.00 minimum balance;
- Free ATM card with seven free ATM transactions monthly*; and
- Free Debit Card.
Community Gold
For those 50 years and older, this checking account earns interest.
- Free ATM card with five free ATM transactions monthly*;
- Free Key Community Bank specialty checks with a $1,000.00 minimum balance; and
- Free Debit Card.
Community Free
Designed to give our customers a basic checking account with no minimum monthly balance requirements and no monthly service charge.
*Some ATM owners may charge separate fees.
**Overdraft protection is available on all our checking accounts, subject to credit approval.
Please contact one of our bankers at (651) 457-7539 to open an account. At this time we are unable to open accounts online.
SAVINGS ACCOUNTS
Key Classic
Only for our Community Classic checking account holders, this money market account allows you flexibility while earning a great rate of interest. Our personal bankers will be happy to provide you with details!
Key Preferred
Our Preferred account is designed for our customers who maintain a $5,000.00 balance. This is a money market savings account offering tiered interest rates. Statements are issued monthly.
Key Savings
Our Key Savings is a tiered account that pays attractive rates and
offers unlimited withdrawals by teller. This account carries no service
charge when you maintain a $200.00 minimum balance. Statements are
issued monthly.
Key Kids
For savers 18 years and younger, this account can be opened with a
$10.00 deposit. Our young savers will also have an opportunity to
select a gift from our Key Treasure Chest when they open their account
and every year on their birthday. Statements are issued monthly.
CERTIFICATES OF DEPOSIT (CD's)
Key Community Bank offers a wide range of certificates of deposit. We have tiered interest rates and a minimum deposit of $500.00. For more information on certificates, please visit our Interest Rates page or call one of our personal bankers at (651) 457-7539.
INDIVIDUAL RETIREMENT ACCOUNTS (IRA's)
Let one of our personal bankers help you with your IRA. We offer statement savings or deposit certificates in a variety of terms and interest rates. Please call (651) 457-7539 for more information.
Please contact one of our bankers at (651) 457-7539 to open an account. At this time we are unable to open accounts online.
Loan Services
CONSUMER LOANS
Auto Loans
Rates and terms are structured to meet the needs of the customer.
They include payment schedules from 24 months to as long as 60 months
with very competitive fixed or variable rates. Monthly payments with
automatic transfers from your Key Community Bank checking account
can reduce your rate.
Recreational Loans
Motorcycles, ATV's, campers, and trailers can all be financed with a loan from Key Community Bank. We have various financial programs that can be used for the purchase or a refinance of your favorite toy.
Motor Homes and Boats
These purchases may require some special financing and we have the staff to help you. Terms as long as 15 years are available and the interest may be tax deductible (consult your tax advisor).
Overdraft Protection
Ready Credit attached to your Key Community Bank checking account provides cash for unexpected needs and protects against overdrafts. Advances can be made by a check or by phone with monthly payments automatically deducted from your account.
Please contact one of our bankers at (651) 457-7539 to open an account. At this time we are unable to open accounts online.
MORTGAGE LOANS
First Mortgage
Buying a home or refinancing your existing home? Call us for the current
rates on mortgages that can range in terms from 10 to 30 years with
either fixed or variable rates. Our programs include conventional
loans, ARM's, and individualized in-house advantages available to
qualified borrowers.
Home Equity Lines of Credit
This revolving credit line is secured by a mortgage on your home and provides quick access via check or phone for those large cash needs. Repayment is flexible with monthly payments of the accrued interest. Your interest may be tax deductible, please consult your tax advisor.
Home Equity Term Loans
Remodeling your home? Need an addition? Making a large purchase that you want secured by your home for tax purposes? This is the loan for you! We customize the loan terms to meet your requirements and offer some of the most competitive rates in this marketplace. Monthly payments of principal and interest build the equity back into your home. Interest may be tax deductible (consult your tax advisor).
Please contact one of our bankers at (651) 457-8931 to open
an account. At this time we are unable to open accounts online.
Other Services
Direct Deposit
For safety and convenience, arrange electronic direct deposit into your Key Community Bank checking or savings account. Any state or federal checks as well as your payroll check can be deposited automatically, worry free.
ATM cards
ATM cards are available on most Key Community Bank checking and savings accounts. Use your card 24 hours a day! Enjoy the convenience of the following:
- Transfer of funds between Key Community Bank accounts;
- Depositing of checks or cash; and
- Withdrawal of cash any time.
- Unlimited withdrawals free at our Key Community Bank ATM.
Debit Cards
A Key Community Bank Debit Card is the convenient and easy way to shop! Use like a credit card at the time of purchase and the amount is automatically deducted from your checking account.
Safe Deposit Boxes
Enjoy peace of mind with the knowledge that your important documents are safe and secure in a Key Community Bank Safe Deposit Box. Call our personal bankers for availability and to find one that's right for you.
- 3" x 5" x 22" $ 30.00
- 5" x 5" x 22" $ 40.00
- 3" x 10" x 22" $ 50.00
- 5" x 10" x 22" $ 70.00
- 10" x 10" x 22" $120.00
Cash Advances
Key Community Bank offers cash advances on most major credit cards. Stop in and let our teller staff help.
Traveler's Checks
American Express® traveler's checks are available to our customers for a nominal fee or free with our top rated checking accounts.
Cashiers Checks
Bank cashiers checks are available to Key Community Bank customers.
Credit Cards
Key Community Bank offers the Élan package of credit cards. Whether it's for travel, business, college, or everyday use-take Élan Visa® or Master Card® everywhere you go!
Money Orders
Safer than sending cash! Key Community Bank has money orders available
to our customers for a nominal fee.
Wire Transfers
With a checking or savings account at Key Community Bank, we can wire
funds locally or internationally. Wire transfer fees apply.
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