CommunityAmerica Credit Union is headquartered in Lenexa and is the largest credit union in the state of Kansas. It is also the 68th largest credit union in the nation. It was established in 1940 and as of June of 2024, it had grown to 1,033 employees and 330,722 members at 36 locations. CommunityAmerica Credit Union's money market rates are 8X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in CommunityAmerica Credit Union is open to those who live or work in the Kansas counties of Douglas, Jackson, Jefferson, Johnson, Leavenworth, Miami, Shawnee, or Wyandotte, or the Missouri counties of Clay, Cass, Platte, or St. Louis. Family members of existing members also qualify for membership.
See current membership details
Extreme Declining Customer Service & Knowledge Of The Bank
I have banked at CACU for 12 years and during this time it has gone from a friendly knowledgeable staff and institution to an embarrassing institution. I received an email from CACU to call a specific number and press option 2 (i confirmed late that this was not a spam email). When I called this number I was hung up on twice. I drove to my branch and the two (2) tellers could not get through to the department either. I must have heard I am sorry 40 times, when in reality they were merely talking puppets. This credit union used to be staffed with human beings, it has digressed to a bank with customer service as low and Bank Of America and Wells Fargo! I am ashamed to bank here now! So sad..
Horrible Rates And Almost Deceitful
I have been with CA for over 40 years. For the last 10 years they have litterly cheated their account holders with poor rates. Right now, they are providing less than 1/3 the rate that other savings instutions are paying, 1% on a 12 month CD versus other banking rates of over 3%. Sure they offer Profit Sharing, but if you do the math, it pays about 1/3 profitt sharing amount that could have been earned with a competitive rate. Also after continued complaints, Community America refuses to show maturity dates for cd accounts on the web page. A convient way to get people to mis renewals at below average bank rates. YOU SHOULD SHOULD HAVE TRUST IN THE PEOPLE THAT ARE SUPPOSE TO PROTECT YOU INTEREST. I HAVE LOST MINE WITH COMMUNITY AMERICA CREDIT UNION.
Today I had several CD's come due. I had to switch to 9 month because that was what they chose for their higher rate. Now at renewal, they changed the higher rate to a 11 month CD. IT really seems that they change the term just enough on their higher rate offer to keep customers from being able to just let a CD role over at the highest rate. IT's as though they try to trick people into just letteing it role over at lower rate because they feel people won't bother changing it for a small amount. 9 month, 11 month, 13 month for their special rates but never 6, 12 or 18 month and never twice in a row. CROOKS not there for the customer. Don't get me going on the PROFIT SHARING the advertise. YOU loose tons of interest all year on your investment just to get a small portion at the end of the year, they made money on by holding it all year.
That's Sad!!!
I thought this was a sick joke. I went to the Community America Credit Union Bank branches in Kansas City (Liberty, Antioch, and North Oak) to get a letter of verification that stated my account number, the date I opened the account and my current balance. I was told to come back the next day in Liberty. The next day, no one was able to do it because they’re waiting for some kind of confirmation. When I went to the other branches, I learned that process like that could take weeks. I am taking care of a project with a deadline that requires the verification.
My wife banks with Mazuma and U.S Bank; meanwhile she walked in those banks and walked out in less than half an hour with her account verification. I am not sure if Community America Credit Union is playing some kind of sick joke. This is ridiculous. I am very frustrated. Many companies, as soon as they start getting some big endorsement (NFL quarterback), start mistreating their customers. I was very disappointed. I will take my service elsewhere for sure…
Closing Our Accounts
Let me start this off by saying I’ve been a member of this bank for almost 11 years now. The past year I have had nothing but issues with them. It’s almost impossible to even get your address changed or a new debit card activated correctly. The new system has also came with a flood of new issues. Long story short, my husband and I will be closing our accounts and going with another bank.
Crap Service
So my wife and I just had our vehicle towed due to being 2 payments behind (Which we didn't know about) On the app it always showed our account as current. Anyways we called the tow yard and now we are being charged almost 600 dollars just to be able to get our car back and waste gas just to drive it over an hour back home. They are trying to say they tried to call but neither of us have any voicemail, emails, or texts from them informing of any past due payments. I would give a zero star if I could. And this is all after paying our bill last week when it was due. So there was no reason to tow it at all. Very poor company if they do things like this and screw their customers over. They said they will cover 225 dollars of it. But if they did their job properly and if their app worked like it was supposed to we wouldn't be stuck with this bill at all. Even the banks repo dept. customer service lady even said that the app shouldn't have let us make our payment last week and tell us to call and make a payment but never did and that it didn't work properly.
Do Not Trust The Employees Know What They Are Doing!
#communityamericacreditunion
Everyone needs to protect their family from Community America Credit Union! Do not trust that you are filling out the correct paperwork for what you are needing to have done. Make sure that you get as many employees as possible at the bank to review before you leave. My dad and I were there for 4 hours trying to get this taken care of, and then to find out that she didn't know what she was doing and what paperwork needed to be filled out.
When my dad knew he wasn't going to be here much longer, we went to the N Oak and 152 branch to have Power of Attorney and ADD ME AS JOINT ON HIS ACCOUNTS, not just as POA. He did not want anything to go through Probate, he didn't want me and my sister to have to go this. After alerting them that my dad passed away and taking them a copy of the Death Certificate, paying for the funeral from his account, making deposits for items sold from his house, multiple transactions, they are now telling me today that they cannot give me any information on the accounts. I cannot make any deposits or any additional transactions. Athena did not do all the paperwork when we were there on July 3rd, therefore, I have to go through Probate. When I brought in the Death Certificate, no one gave me any of this information. The manager just kept telling me today that she can't do anything about it, she wasn't here when my dad made these requests. Everyone needs to be held accountable for their actions and Managers need to make sure that their employees are trained. How can we trust a bank that had told me that me and my dad filled out all the necessary paperwork and there are no worries, and now to find out that Athena and the other person, who gave me a Debit Card after my dad passed away, knew what they were doing? We cannot trust that they know what they are doing. Please beware!
Worst Banking Experience I Have EVER Had!!!
Ever since I spoke to the first loan officer or account manger at the Warrensburg Missouri location it has been one issue after another. I was referred to this location and thought since I was in the market for a new auto loan I would give it a shot since I had heard good things about their rates. This bank has neglected to notify me of changes until the last minute and couldn't even take a payment for my loan unless I start using their bank for checking. From the beginning the rate I was given via email and the rate that was on my paperwork was completely different along with my credit report. The number on my paperwork and the number I was given when calling in for the report directly per the instructions of the bank and their paperwork was completely different. If I could have backed out of the loan without going any further, I would have but they told me it was to late at this point to do so and I would have to refinance.
Keep in mind that the misinformation and constant changing of the information they provided started to make me nervous and would have preferred to move my business on down the road. They could not setup a ACH withdrawal from my checking account with another bank or take a payment from my debit without a $15 charge. I had to finally have it routed through my payroll so I can transfer the money to my loan. This being done after all my other payment options were exhausted. To keep myself on track to get everything setup with my employment to transfer the money to my loan, I mailed a check with the first statement and a note to apply to the first installment. THEY APPLIED IT TO THE PRINCIPLE after specific instructions were given. This is the worst banking experience I have ever had out of the last 20 years and I will not be referring anyone and will refinance myself with another bank as soon as I can without it effecting my credit. Good luck to anyone choosing this financial institution in the near future and I hope your experiences are better than mine.
Data as of Q2 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67664 |
| Year Chartered | 1940 |
| Employees | 1033 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.57% |
| Return on Equity - YTD | 6.67% |
| Annual Interest Income | $144.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2024vs Q2 2023 | $5.37B$4.66B |
| Loans | Q2 2024vs Q2 2023 | $3.3B$3.04B |
| Deposits | Q2 2024vs Q2 2023 | $4.2B$3.99B |
| Equity Capital | Q2 2024vs Q2 2023 | $457.8MM$399.9MM |
| Loan Loss Allowance | Q2 2024vs Q2 2023 | $35.9MM$32.7MM |
| Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $30.2MM$17.8MM |
| Real Estate Owned | Q2 2024vs Q2 2023 | $478K$1.2MM |
