legacy Accounts

At Park Community, some of our checking options are now considered legacy accounts, including Free Checking with Interest and Student Checking. While these accounts are still supported for existing members, our newest offerings, Thryve for checking and Stryve for savings, provide updated features designed to fit today’s banking needs.

open a THRYVE ACCOUNT

Legacy Accounts

Park members with legacy accounts can continue to enjoy checking, savings, and certificate options that support their financial journey. Explore the account types below to see the features available with your existing account.

Brightside Checking Account

You’re in control of your finances with Brightside Checking Account. We created an account that makes it simple to save and gives you grace when you hit a financial shortfall. There is no minimum credit score requirement and Brightside is a great opportunity to get started or start over with a checking account.

No Minimum Balance Requirement
Savings Jar
Annual Savings Match Up to $250¹
$250 in standard overdraft protection²

HI Checking Account

Get more from your checking account! With Park Community’s Hi Checking, enjoy high interest at 0.05% APY³ on your balance up to $10,000, plus convenient features like ATM refunds⁴ and no minimum balance when requirements are met.

Traditional Checking Account

Our traditional checking account is free when you maintain a minimum daily combined balance of $200, or if you have a loan with Park Community. Additional features include:

No Direct Deposit Required
Mobile Bill Pay
Unlimited Check Writing
7 Free ATM Transactions Monthly⁴

Timeless Checking Account

You’ve put in the work, now reap the benefits. Our Timeless Checking Account rewards our members who are 50 and older with these exclusive benefits.

7 Free ATM Transactions Monthly⁴
Rising Interest with Higher Balances
No Monthly Service Charge
No Minimum Balances
Free Box of Checks⁵

Student Checking Account

We understand you have a lot on your plate. Let us lighten the load. With your Student Checking account, you can manage your money without the extra stress. Available for young adults ages 12-24 who are full-time students.

No Minimum Balances
No Direct Deposit Required
7 Free ATM Transactions Monthly⁴
Mobile Bill Pay

Regular Savings Account

You can open a regular savings with as little as $5. Then you’ll have six months to reach the $200 minimum required to avoid monthly service charges. This minimum balance requirement is waived if you own another account at Park Community.

CerKIDicate

Share certificates are for kids, too! Get your kids on the right track to financial success and teach them the value of investing with a CerKIDicate. CerKIDicates require only $100 to open and offer 24-month terms so your kids can watch their money grow while they’re growing. Dividend rates on CerKIDicates are 0.50% above regular share certificate dividend rates.

JUMBO Share Certificate

The Jumbo Share Certificate offers higher rates for larger deposits. With a minimum $50,000 to open, you’ll earn higher dividend rates than our standard share certificate. You can choose from 12, 24, 36, 48, and 60-month terms.

Wealth Builder Share Certificate

The Wealth Builder share certificate still earns more interest than a regular savings account, but only requires a minimum deposit of $250. Plus, you can add more each week ($10 minimum) by visiting Park Community or through direct deposit or payroll deduction.

Our Featured Rates

Account Rates

Review our previous checking and savings account rates. Only HI Checking and Timeless Checking accounts earn interest.

Checking Accounts

Account Type	Tiers	Dividend Rate	APY*
HI Checking	(Base, if you don’t meet the monthly requirements)	0.00%	0.00%
	(Bonus Rate $0.01-$10,000.00)	0.050%	0.05%
	(Bonus Rate over $10,000.00)	0.050%	0.05%
Timeless Checking	($0.01-$999.99)	0.050%	0.05%
	($1,000.00-$9,999.99)	0.050%	0.05%
	($10,000.00-$24,999.99)	0.050%	0.05%
	($25,000.00 and higher)	0.050%	0.05%

^{*APY=Annual Percentage Yield. Rates as of 5.1.2025 and subject to change without notice. For more detailed information, call 502.968.3681.}

Savings Account

Account Type	Rate	APY*
Create Your Own	0.070%	0.07%
IRA Savings	0.070%	0.07%
Holiday	0.070%	0.07%
Just 4 Teens Savings	0.070%	0.07%
Parkie’s Pals	0.070%	0.07%
HSA	0.070%	0.07%
Regular Account	0.070%	0.07%

^*APY=Annual Percentage Yield. Rates as of 5.1.2025 and subject to change without notice. For more detailed information, call 502.968.3681.
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CerKIDicates

Certificate Type	Minimum	Dividend Rate	APY*
CerKIDicate 24-Month Term	$100	3.053%	3.10%

^*APY= Annual Percentage Yield. APY effective 5.1.2025. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $100 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.

Jumbo Certificates

Certificate Type	Minimum	Dividend Rate	APY*
Jumbo 12-Month Term	$50,000	2.567%	2.60%
Jumbo 24-Month Term	$50,000	2.567%	2.60%
Jumbo 36-Month Term	$50,000	2.469%	2.50%
Jumbo 48-Month Term	$50,000	2.581%	2.55%
Jumbo 60-Month Term	$50,000	2.616%	2.65%

^*APY= Annual Percentage Yield. APY effective 5.1.2025. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $50,000 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.

Wealth Builder Certificates

Certificate Type	Minimum	Dividend Rate	APY*
Wealth Builder 24-Month Term	$250	2.176%	2.20%

^*APY= Annual Percentage Yield. APY effective 5.1 2025. Rates and terms are subject to change without notice. Dividends are calculated by the actual daily balance method which applies a daily periodic rate to the balance in the certificate each day. The dividend rate and APY at the time of purchase are fixed and will be in effect for the term of the certificate. A minimum opening deposit of $250 is required to open the account. Must qualify for membership and become a member to open certificate. Certificate will auto-renew for the same term as the original certificate at the applicable rate. Regulations prohibit payment in excess of available earnings. Penalty will be applied for early withdrawal. Fees may reduce earnings. Federally Insured by NCUA.

Details

¹Applicant must qualify for membership and be 18 years or older at time of account opening. $5 is required to open and maintain a Primary Savings account. The Annual Percentage Yield (APY) on a Regular Savings is 0.07% as of 5.1.2025. Rates are subject to change without notice and may change after account is opened. Brightside Checking has a standard $10 monthly maintenance fee (called Brightside Fee). Fees may reduce earnings. Bonuses earned may be subject to IRS reporting. There is no credit score requirement for Brightside Checking. Brightside Savings Jar opens automatically with Brightside Checking with automatic roundup from debit card to Savings Jar account set up at account opening. Federally Insured by NCUA. Annual Deposit Match: Every year on the anniversary of the account opening, we will match either the balance or the amount of roundup deposits to the account(lesser of the two) up to $250. Example: If account is opened on 7/30/24, on 7/30/25 we will look at roundup deposits from 7/31/24 – 7/30/25. Match will be deposited on 7/30/25.

²Overdraft Protection: Brightside Checking comes with $250 in Standard Courtesy Overdraft Protection (checks and ACH transactions). Not eligible for Courtesy Plus. Member must still opt in or out of Standard Courtesy ODP.

³APY=Annual Percentage Yield. Must qualify. HI Checking earns 0.05% APY on balances between one penny and $10,000, 0.05% APY paid on all amounts above $10,000, and ATM refunds up to $15 when the four requirements are met each month. HI Checking Requirements: 1. 20 Debit Card Transactions (PIN- based or Signature). 2. Spend $500 or More in Debit Card Transactions (PIN- based or Signature). 3. Setup Direct Deposit. 4. Enroll in eStatements. If the requirements are not met, your account will still function as a free checking account; however, you will not receive interest or ATM refunds for that month. The merchant determines how your debit card transactions are processed. APY is variable and may change after account opening. The annual percentage yield is effective 5.1.2025. No minimum balance required to open or earn the APY. No monthly service charge. Only one HI Checking account per member. Federally insured by NCUA.

⁴Other institution fees may still apply. No surcharge at any Money Pass or Alliance One ATMs.

‍⁵Account holder receives one box annually or $7 credit for checks of their choice.

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