Golden Plains Credit Union is headquartered in Garden City and is the 5th largest credit union in the state of Kansas. It is also the 445th largest credit union in the nation. It was established in 1951 and as of December of 2018, it had grown to 203 employees and 80,534 members at 15 locations. Golden Plains Credit Union has an A health rating.
Golden Plains Credit Union of Kansas is open to the residents, church members, and the people that maintain employment within these qualified counties: Anderson, Allen, Bourbon, Cherokee, Crawford, Labette, Linn, Montgomery, Neosho, and Wilson along with the Liberal Trade area, the members of the Lee Richardson Zoo, the credit union employees, members of credit union member affiliated organizations, and the family members of current credit union members.
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I've been a customer with Golden Plains Credit Union since September of 2010. I first became interested in GPCU because I'm a resident in central Kansas and because they have one of the best interest rates (4.44% as of this writing) in the country for rewards checking accounts. The set up was easy, although I did have to submit some information by mail and send in a check for my deposit as they didn't have an ACH bank funding method at the time. They were great to answer any questions I had and I was able to easily get a customer representative on the phone. Overall it's been a great experience and I'm very satisfied with them.
I have had a bank account with Golden Plains for over 8 years. They have always been professional and courteous. I have a checking account with them, that has no monthly fee as long as I log on to Golden Plains Online, completing 10 GPCU VISA Check Card transactions that post and clear your account and accepting emailed statements (e-Statements). These are things that i would normally do with a checking account, so they are of no trouble for me to complete in a month. I am a big believer in not paying for a service, such as a checking account, at any bank. I have never had any issues with my account being inaccurate. Therefore, i have nothing negative to say about Golden Plains Credit Union.
They do send me alot of emails and ads about various services that they can provide, but i'm sure that happens with any financial institution.
The rate has come down over the years but this is my longest and the only remaining reward checking account. Recently I had some difficulty using my debit card at the grocery store and called to find out they cut off all small card transactions in my state due some to fraud concern. Not just my card, but everyone! They automatically decline all transactions less than $50. They won't remove the block for over two weeks until it expires next month. It doesn't make it easy to meet the requirements when the card won't work!
This Saturday, at their drive-thru window, we attempted to withdraw cash from our savings account. First we were told to fill out a DEPOSIT slip... Why we asked. She said there was a withdrawal form on the deposit slip. OK. Next we wanted 40 $1.00 bills, 2 $10.00 bills, and 4 $5.00 bills: $80.00. All this was written down by the teller onto the deposit/withdrawal slip. Immediately we were questioned about the 40 $1.00 bills... When we reiterated what we wanted, she retorted we did not to get snippy. We asked for a supervisor. OK. The supervisor complied with the 40 $1.00 bills, but when we checked the cash, there were no $5.00 bills, but a $20.00 bill instead... So we asked to change the $20.00 for 4 $5.00's.
So finally, after 15 - 20 minutes of negotiations, we got what we asked for in the first place. Golden Plains customer service sucks, and it has really gone downhill in the last few years since the merger. They now act like it is an imposition to provide customer service, asking irrelevant questions, and are rude. We've finally had our fill.
I have a loan for a car from golden plains credit union and I have had nothing but trouble with them. Between them waiting forever to cash my payment and overdrawing my account to taking months to prove I have insurance on my vehicle. I am currently trying to solve that situation once again because we found better insurance provider and they have tacked on their insurance and want me to pay for the months that they couldn't see that I had insurance all that time. I can't even fully buy my car without having to pay for all that interest. I would have bought it out during last years tax season but come to find out I couldn't because I had to pay for the interest. Thanks to this company I may be ruining my credit by getting rid of the car and the loan altogether. I DO NOT RECOMMEND THIS COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Had loans with them for years then while moving asked about a new loan due to moving and they said it should be "no problem" and even pre approved us before we went house shopping. Then after accepting a contract and selling our home told us there was a mistake in the system and they couldn't give us the loan leaving us scrambling to find a loan at another bank with little time. We almost lost our new home and had already sold our old one. We won't do any further business with GPCU.
This Credit Union in my opinion has poor customer service they are hard to deal with, management is absolutely no help, I wish I had never used them for a loan.
I would steer clear and use other banks or credit unions.
BTW I have made all my payments on time.
|Return on Assets - YTD||0.6%|
|Return on Equity - YTD||6.09%|
|Annual Interest Income||$25.0MM|
|Assets and Liabilities|
|Assets||Q4 2018vs Q4 2017||$657.3MM$605.8MM|
|Loans||Q4 2018vs Q4 2017||$596.6MM$546.4MM|
|Deposits||Q4 2018vs Q4 2017||$554.7MM$525.8MM|
|Equity Capital||Q4 2018vs Q4 2017||$64.9MM$61.0MM|
|Loan Loss Allowance||Q4 2018vs Q4 2017||$4.9MM$4.3MM|
|Unbacked Noncurrent Loans||Q4 2018vs Q4 2017||$3.7MM$4.4MM|
|Real Estate Owned||Q4 2018vs Q4 2017||$2.1MM$2.2MM|
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Sorry, we do not have rate data for Golden Plains Credit Union.