Insured Money Management Account (IMMA)

Our Insured Money Management Account, or IMMA, is a premium savings account that may pay higher dividends than our main share, and can offer the convenience of writing drafts if you so choose.

Funds Availability Disclosure

Dividends Paid

Compounded and paid monthly on the average daily balance. Posted on the 1st of the month.

  • $0 - $1,999 (Share Draft Rate)
  • $2,000 - $4,999 (Tier 1 Rate)
  • $5,000 - $24,999 (Tier 2 Rate)
  • $25,000 - $49,999 (Tier 3 Rate)
  • $50,000 - $99,999 (Tier 4 Rate)
  • $100,000 + (Tier 5 Rate)

Account Benefits

  • Check-writing capabilities*
  • Direct Deposit available
  • Automatic Transfers available*
  • Easy access via US mail, TellerPhone, In-Person and KFCU Online

Monthly Service Fee


No charge for IMMA checks

Minimum Deposit to Open


Balance Requirement

None - Balance below $2,000 earn current share draft rate

Eligible for an IRA?


Can this account be linked to your checking account for Overdraft Protection?


Access where, when, and how you like

* Reg. D limits Electronic or Telephone Transfers to 6 to a third party per calendar month. Does not include Deposits/Withdrawals made in person, or preauthorized Loan Payments to KFCU.

Online Banking

Forgot your
> More information Banking Demo