CommunityAmerica Credit Union is headquartered in Lenexa and is the largest credit union in the state of Kansas. It is also the 81st largest credit union in the nation. It was established in 1940 and as of September of 2020, it had grown to 1,013 employees and 255,631 members at 36 locations. CommunityAmerica Credit Union's money market rates are 36% higher than 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
My CACU Experance
CACU (Community America Credit Union) is a Kansas City based credit union that focus on convenience and customer service. I have savings, checking and have had a auto loan in the past. The fees are clear and they don't seem to nickle and dime me like my old bank. Now that my kids have accounts, the technology allow me to manage transfer and bill pay with all account connected. The bill pay service is fast and effective. I have all my month bills loaded and once my pay check is auto deposited, the bill pay allow me to select and schedule my bills for payment all in one place. I like that fact that they will notify me via text when the bills received and when there is a large withdraw. It give me piece of mind! The one draw back is finding affiliated ATM when I travel. If they are not affiliated, the fees form the host ATM can get excessive.
Best banking experience I've had so far!
Prior to joining this credit union I was using a prepaid visa card only because I wanted to get paid a few days earlier. That benefit no longer mattered because they had the worst customer service when there was a problem. I found the credit union and was able to join make my initial deposit and verify my identity securely without ever leaving my house! They promptly address any of my concerns and reply back to emails almost immediately. I now have three accounts with them, two checking and a savings. The online banking experience is awesome its very user friendly and the bill pay service they offer is amazing. They send reminders , keep track of previous bills and send prompt payments. I recommend this bank to anybody who will listen!
Awsome Service In KCKS!
A Community America representitive called us a couple of weeks ago... on a Sunday night. It was the day before payday. There were several unauthorized withdrawals from our account. Chances are, they were testing the account, pinging, the day before payday, and if we hadn't stopped it right then, the next day, we would have been wiped out. Our account was saved, withdrawals returned, and that Debit Card was stopped immediately! They are ON DUTY, and watching for security sake 24/7, and I sure do appreciate that! Thank you Community America! We have always found them ready to help us with whatever we need immediately!
Great Experience with Community America
We have banked with Community America for several years and is easily the best bank we have ever had accounts with. When we first opened a free checking account, they also opened a high interest savings account for us as well as a basic savings account. Everyone was very friendly and helpful. Another time, I had to go inside to request a new debit card be made after mine was lost. Fully expecting to have to wait several days for it to arrive on the mail, I was pleasantly surprised when they made me a new one on the spot and I was out of the door in less than 10 minutes. Their online banking and mobile app are both super easy and convenient to use. I use the app most of the time and I can transfer money between checking and savings accounts instantly. I can also set up automatic bill payments through the app or online banking. One other unexpecting thing I was impressed by was cash back on purchases through specific retailers. If they offer 5% cash back with Company X, you use your debit card and they automatically put the cash back into your account. Overall, we have had a wonderful experience with them!
Security For Online Banking
Went into credit union this past week to set up a new account. While there the "Specialist" set up my online banking. I entered a user name and password through her key board and assumed that it was for my account. The next day I went to the online banking site, entered my user name and password that was set up and I immediately entered another bank's client account with full access. I called the help line and after 2 days my user name and password was reset, and I had access to my account. I am not very comfortable with the security!!
Lost Credit Cards And Out Of Town Business And Being An American Citizen.
As a long time member of CACU I was shocked by how little upper management at CACU in Lenexa cared about my account.
As an American I am free to travel the USA without restrictions. PERIOD
While traveling I lost my credit cards! The customer representatives answering the phones were very helpful and upbeat. However when I went to upper management for advanced help. I got a STONEWALL effect. NON helpful. Not understanding that a business traveler may not have full access to their accounts. Not understanding theft. NOT having computer access / losing corrective lenses / was a very big deal.
I was kept on hold running up huge telephone bills. I NOT told about or helped with OVER DRAFT FEES they just keep charging them against the business traveler.
It was a total disrespect of my goals and business
I don't know if they hate women or out of state business or are just callous at the top. But I am moving the bulk of my business away from my oldest bank.
the last month Permanently damaged how I view CACU.
Horrible Loan Service!!! (There Is 1 Star Only Because I Had To Select One)
This is a horrible organization for a loan. I got a car loan from them and they and the dealer failed to inform me that with accepting a loan from them I was also opening up a savings account. Fast forward a few years, and the car is paid off with any overages I paid having been placed into this savings account, of which I knew nothing. Until a receive a statement informing me that I've gone under my minimum balance and that I've had $5 charges deducted from my account balance over the last 2 months. I called to have the situation resolved and the account closed with the overage amount sent to me. Of course they take no responsibility and say that they cannot reimburse me the amount they've already taken and then when I receive the check, another $5 has been taken out! Despite none of the customer service agents informing me of the additional charges at the time of my call.
WILL NEVER DO BUSINESS WITH THEM AGAIN!!!!!
Data as of Q3 2020
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67664 |
| Year Chartered | 1940 |
| Employees | 1013 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.66% |
| Return on Equity - YTD | 6.15% |
| Annual Interest Income | $85.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2020vs Q3 2019 | $3.66B$2.95B |
| Loans | Q3 2020vs Q3 2019 | $2.35B$1.99B |
| Deposits | Q3 2020vs Q3 2019 | $3.07B$2.42B |
| Equity Capital | Q3 2020vs Q3 2019 | $385.1MM$350.3MM |
| Loan Loss Allowance | Q3 2020vs Q3 2019 | $20.6MM$12.1MM |
| Unbacked Noncurrent Loans | Q3 2020vs Q3 2019 | $9.5MM$11.2MM |
| Real Estate Owned | Q3 2020vs Q3 2019 | $5.4MM$5.8MM |
