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Credit Union of America


Overview / Commentary
www.cuofamerica.com
316-265-3272
8200 E 32Nd St N
Wichita, KS 67226

Credit Union of America is headquartered in Wichita and is the 3rd largest credit union in the state of Kansas. It is also the 319th largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 260 employees and 91,208 members at 15 locations. Credit Union of America's money market rates are 7X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in Credit Union of America is open to anyone in the state of Kansas through membership in the American Consumer Council or to the following: (1) those who live or work in Barton, Barber, Butler, Clark, Chase, Clay, Comanche, Cloud, Cowley, Edwards, Dickenson, Ellis, Ford, Ellsworth, Geary, Harvey, Harper, Hodgeman, Kiowa, Kingman, Lincoln, Marion, Lyon, McPherson, Morris, Mitchell, Osborne, Ottawa, Pratt, Pawnee, Reno, Rooks, Rice, Russell, Saline, Rush, Sedgwick, Sumner, Wabaunsee or Stafford Counties in Kansas; or (2) employees and retirees in the field of education within the Kansas state of Education.
See current membership details

Related Posts

19-Month CD (3.35% APY) - 9/7/2022

Great rate, but can only be opened in-branch. All Kansas residents can join CUA, but you can only join in-branch, with the vast majority of branches located in the Wichita area.

Reviews (4)

Nice credit union

Posted by: |

Back in 2012 I opened up a certificate of deposit with Credit Union of America. They had a great interest rate for saving with their bank. I recently withdrew my funds because the account matured. Overall I am very happy with this credit union and would recommend it to anyone in the central point of America. It's only available in the mid west on the united states.

1

Fantastic Credit Union!

Posted by: |

This is my second time banking with the Credit Union Of America. I only left the first time because I moved out of town and they didn't have services in my new home. As soon as I moved back I reopened an account with them. I have never had one issue with my checking or savings account. I'm not a rich man so my interest rates don't pay out as much as they do for a lot of folks, but they are consistent. I feel like they have my best interests in mind. For example, I had a bill change in amount recently that was set to auto-withdraw. It accidentally overdrafted my account. Speaking with them on the phone they were very helpful and erased the overdraft fee. It makes me feel like a welcome member rather than just another person who banks with them. Knowing that they care about my financial well being and my credit moving forward keeps me loyal and very happy with them.

3

Choose small credit unions over large national banks.

Posted by: |

I had previously banked with Capitol Federal and decided to switch to credit union of america after the bank started charging us fees for things we were never told about. I had heard good things about credit union of america, like that they had good interest rates for checking and savings accounts and no fees for use. This is true, and we have been very satisfied. We don't have to keep a minimum balance in our checking account, and we are allowed to have multiple savings that it is easy to transfer money between. Overdraft fees are very reasonable and uncommon because they will automatically pull from savings if we need it. There are no transfer fees. All of the people who work for the credit union are courteous and helpful and willing to take the time to explain things if i have questions. Their certificate of deposit accounts have good rates and great convenient terms.

1

HORRIBLE EMPLOYEES

Posted by: |

Tried to switch my banking over to CU of A at the Salina branch and the loan officer kept cutting us off in mid sentence saying "you have a good day mmmmmmmmkayyyyyy". Would not answer any of our questions and basically acted like we were bothering him. We left and opened accounts across the street.

2


Health
A+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #60062
Year Chartered1935
Employees260
Primary Regulator
Profit Margin
Return on Assets - YTD1.46%
Return on Equity - YTD11.52%
Annual Interest Income$51.9MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$1.41B$1.28B
LoansQ4 2022vs Q4 2021$1.18B$1.05B
DepositsQ4 2022vs Q4 2021$1.12B$1.07B
Equity CapitalQ4 2022vs Q4 2021$176.4MM$160.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$6.0MM$6.9MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$4.4MM$4.5MM
Real Estate OwnedQ4 2022vs Q4 2021$0$118.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Union of America Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$10k*-Flexible IRA
OTHER TIERS: 0.20% → $100 - $5k | 0.35% → $5k - $10k
0.10%*$2.5k*-Regular Share Account
OTHER TIERS: 0.05% → $100 - $2.5k
0.10%$100-Special Purpose Account
0.10%$25-Holiday Club Account
0.10%*$2.5k*-Business Simple Share Account
OTHER TIERS: 0.05% → $100 - $2.5k
0.10%$100-Business Special Purpose Savings

Credit Union of America Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$2.5kBalance Boost Money Market
OTHER TIERS: 0.30% → $50k+ | 0.35% → $25k - $50k | 0.40% → $15k - $25k | 0.45% → $5k - $15k | 0.75% → $2.5k - $5k
1.00%*$500k*-Performance Plus Money Market
OTHER TIERS: 0.55% → $25k - $50k | 0.60% → $50k - $75k | 0.65% → $75k - $125k | 0.70% → $125k - $250k | 0.80% → $250k - $500k
0.25%*$25k*-Business Liquidity Plus Money Market
OTHER TIERS: 0.05% → $2.5k - $5k | 0.10% → $5k - $15k | 0.15% → $15k - $25k

Credit Union of America Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$10k*-Free Core Account
OTHER TIERS: 0.05% → $1k - $5k | 0.10% → $5k - $10k
0.07%$1.5k-Business Simple Interest Checking Account

Credit Union of America CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-21 Month Certificate Special
4.75%$500-Business 21 Month Certificate Special
2.60%$500$100k5 Year Share Certificate
2.60%$500$100kBusiness 5 Year Simple Account Certificate
2.55%$500$100k4 Year Share Certificate
2.55%$500$100kBusiness 4 Year Simple Account Certificate
2.50%$500$100k3 Year Share Certificate
2.50%$500$100kBusiness 3 Year Simple Account Certificate
2.25%$500$100kBusiness 1 Year Simple Account Certificate
2.25%$500-1 Year Share Certificate
2.25%$100-1 Year Add-On Certificate
2.25%$25-1 Year Save to Win Add-on CD
2.20%$500$100k2 Year Share Certificate
2.20%$500$100kBusiness 2 Year Simple Account Certificate
2.15%$500$100k18 Month Share Certificate
2.15%$500$100kBusiness 18 Month Simple Account Certificate
2.10%$2.5k-30 Month Bump Rate Certificate
2.10%$2.5k-Business 30 Month Bump Rate Certificate
1.55%$500$100k6 Month Share Certificate
1.55%$500$100kBusiness 6 Month Simple Account Certificate
1.40%$500$100k3 Month Share Certificate
1.40%$500$100kBusiness 3 Month Simple Account Certificate

Credit Union of America IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-21 Month IRA Certificate Special
2.60%$500-5 Year IRA Certificate
2.55%$500-4 Year IRA Certificate
2.50%$500-3 Year IRA Certificate
2.25%$500-1 Year IRA Certificate
2.25%$100-1 Year Add-On IRA Certificate
2.20%$500-2 Year IRA Certificate
2.10%$2.5k-30 Month Bump Rate IRA Certificate
Locations

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