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New Membership

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Eligibility
Applying is fast and easy!
You will need the following information in order to complete the application:
Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of Birth
Select your eligibility
How do you qualify?
Remove Product
Required Products
Select at least one of the following products required for membership
Membership Savings (Required)

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APY: 0.05% Min Deposit: $25.00


You may select one of the following products
Available Products
Kasasa Cash

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APY: 2.00% Min Deposit: $50.00

Kasasa Cash Back

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Min Deposit: $25.00

Stress Free Checking

  • No minimum balance required
  • No per check charges
  • No $5 monthly service fee if direct deposit is used or 5 debit card signature transactions per month or $500 minimum monthly balance
  • Unlimited use of any Caro ATM
  • Min Deposit: $25.00

    Rebound

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    Min Deposit: $25.00

    3 month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.10% Min Deposit: $1,000.00

    6 month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.02% Min Deposit: $1,000.00

    12month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.04% Min Deposit: $500.00

    18 Month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.65% Min Deposit: $500.00

    24 Month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.75% Min Deposit: $500.00

    30 Month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 0.75% Min Deposit: $500.00

    48 Month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity.

    APY: 1.10% Min Deposit: $500.00

    60 Month

    Certificates A share certificate pays a higher rate than the Regular Savings account or the Investment Plus Account. These accounts are offered for a term of three months to thirty months. Dividends on the three and six month certificates are paid at maturity. All other certificates offer quarterly dividends. Certificates will automatically renew for the same term at the new rate that is being offered at maturity

    APY: 1.20% Min Deposit: $500.00

    Scholars Dollar

    Scholar's Dollars The Scholars Dollars Club offers traditional savings for your child. You may also wish to set up a certificate in the child’s name - Which can be added to in increments of $100.00 throughout the life of the certificate. These certificates earn the same competitive rates as all of our certificates. A joint checking account is also available

    APY: 1.30% Min Deposit: $100.00

    Trad 18

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.65% Min Deposit: $500.00

    Trad 24

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Trad 30

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Roth 18

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.65% Min Deposit: $500.00

    Roth 24

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Roth 30

    Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Roth Conversion 18

    Roth IRA Eligibility: You are eligible to contribute to a Roth IRA if: •You have earned compensation during the year and •Your taxable compensation is less than ?$177,000 for married filing jointly, (phased out between 167k and 177k) ?$120,000 for single, or head of household, (phased out between 105k and 120k) ?$10,000 for married filing separately, (phased out between 0 and 10k) Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.65% Min Deposit: $500.00

    Roth Conversion 24

    Roth IRA Eligibility: You are eligible to contribute to a Roth IRA if: •You have earned compensation during the year and •Your taxable compensation is less than ?$177,000 for married filing jointly, (phased out between 167k and 177k) ?$120,000 for single, or head of household, (phased out between 105k and 120k) ?$10,000 for married filing separately, (phased out between 0 and 10k) Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Roth Conversion 30

    Roth IRA Eligibility: You are eligible to contribute to a Roth IRA if: •You have earned compensation during the year and •Your taxable compensation is less than ?$177,000 for married filing jointly, (phased out between 167k and 177k) ?$120,000 for single, or head of household, (phased out between 105k and 120k) ?$10,000 for married filing separately, (phased out between 0 and 10k) Traditional IRA Eligibility: You are eligible to contribute to a Traditional IRA if: •You, (or if you file a joint return, your spouse) have earned compensation during the year and •You are below age 70 ½ at the end of the year (Keep in mind that the deductibility of your contributions will depend on several other factors including income, and filing status.)

    APY: 0.75% Min Deposit: $500.00

    Educational IRA 18

    Individual Retirement Accounts IRA accounts may be opened for Traditional, Educational, and Roth IRAs. Consult your tax advisor about the benefits of IRA accounts. There's another contribution limit you should know about if you're saving for your child's K-12 or college education. Starting with tax year 2002, the Coverdell Education Savings Account (ESA) lets you save four times more than before -- $2,000 per year, per child instead of $500!

    APY: 0.65% Min Deposit: $100.00

    Educational IRA 24

    Individual Retirement Accounts IRA accounts may be opened for Traditional, Educational, and Roth IRAs. Consult your tax advisor about the benefits of IRA accounts. There's another contribution limit you should know about if you're saving for your child's K-12 or college education. Starting with tax year 2002, the Coverdell Education Savings Account (ESA) lets you save four times more than before -- $2,000 per year, per child instead of $500!

    APY: 0.75% Min Deposit: $100.00

    Edcuational IRA 30

    Individual Retirement Accounts IRA accounts may be opened for Traditional, Educational, and Roth IRAs. Consult your tax advisor about the benefits of IRA accounts. There's another contribution limit you should know about if you're saving for your child's K-12 or college education. Starting with tax year 2002, the Coverdell Education Savings Account (ESA) lets you save four times more than before -- $2,000 per year, per child instead of $500!

    APY: 0.75% Min Deposit: $100.00

    Share IRA

    Share IRAs and IRA Certificates: A Share IRA may be opened for as little as $25.00. Deposits may be made through payroll deduction on a regular basis or through a one-time contribution. Once a balance of $500.00 is reached in this account, the balance can be transferred to an IRA Certificate. These accounts are for terms of 18, 24, or 30 months.

    APY: 0.10% Min Deposit: $500.00

    Roth IRA

    Share IRAs and IRA Certificates: A Share IRA may be opened for as little as $25.00. Deposits may be made through payroll deduction on a regular basis or through a one-time contribution. Once a balance of $500.00 is reached in this account, the balance can be transferred to an IRA Certificate. These accounts are for terms of 18, 24, or 30 months.

    APY: 0.10% Min Deposit: $500.00

    Roth Conv. IRA

    Share IRAs and IRA Certificates: A Share IRA may be opened for as little as $25.00. Deposits may be made through payroll deduction on a regular basis or through a one-time contribution. Once a balance of $500.00 is reached in this account, the balance can be transferred to an IRA Certificate. These accounts are for terms of 18, 24, or 30 months.

    APY: 0.10% Min Deposit: $500.00

    Education IRA

    Share IRAs and IRA Certificates: A Share IRA may be opened for as little as $25.00. Deposits may be made through payroll deduction on a regular basis or through a one-time contribution. Once a balance of $500.00 is reached in this account, the balance can be transferred to an IRA Certificate. These accounts are for terms of 18, 24, or 30 months.

    APY: 0.10% Min Deposit: $100.00

    Select Savings

    This account assists members wishing to save or budget for special uses. Any amount may be saved, allowing the freedom to plan for individual needs. It can be used for anything from savings for travel to savings for property taxes.

    Christmas Club

    The Christmas Club is designed to save money for that special time of year. Deposits can be made by payroll deduction or inperson. The member decides when and how much to deposit

    Safe Deposit Box

    You'll be surprised at the variety of box sizes that can accommodate just about any need. Your monthly rental fee is conveniently deducted from your Caro checking or savings account. Peace of mind for just pennies a day! Size Annual Rental Fee •3" X 5" $36.00 ($3.00 a month) •3" X 10" $60.00 ($4.00 a month) •5" X 10" $72.00 ($6.00 a month) •10" X 10" $198.00 ($16.50 a month)

    APY (Annual Percentage Yield)
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    'Doing Business As' Information

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    'Doing Business As' Information
    DBA Business Information
    Your Business Tax ID is used for identification purposes.
    DBA Physical Address

    Tell Us About Yourself

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    Tell Us About Yourself
    Personal Information
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    Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
    Current Physical Address
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    About Your Employment

    Please attach your current government issued photo ID.

    Co-Driver's License Scan

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    Speed up your application process by taking the BACK image of your US driver's license.
    If you do not wish to use this feature, simply close this popup window and proceed.

    Recommendation for best recognition:

    * Use a dark background

    * Make sure all four corners are visible

    * Avoid glare

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    Driver's License Scan

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    Speed up your application process by taking the BACK image of your US driver's license.
    If you do not wish to use this feature, simply close this popup window and proceed.

    Recommendation for best recognition:

    * Use a dark background

    * Make sure all four corners are visible

    * Avoid glare

    * Make sure image is in focus

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    Minor Applicant Information

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    Tell Us About Yourself

    Joint Applicant Information

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    About Your Joint Applicant
    Personal Information
    SSN IconLock SSN IconQuestion
    Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
    Current Physical Address
    Contact Information
    Identification