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Golden Plains Credit Union

Popular Accounts at this Credit Union

2.26%Reward CheckingGolden Rewards Checking
1.46%5-year CD60 Month CD
0.66%1-year CD12 Month CD

Overview / Commentary
1714 E Kansas Ave
Garden City, KS 67846-6235

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 458th largest credit union in the nation. It was established in 1951 and as of December of 2017, it had grown to 212 employees and 76,181 members at 15 locations. Golden Plains Credit Union has a B+ health rating.

Field of Membership Restrictions

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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Reviews (7)

A Great Credit Union

Posted by: tripoley | Feb 18, 2011

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.

Golden Plains Credit Union Opinion

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.

Long Standing Account

Posted by: flagbert | Feb 17, 2017

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!


Extremely Horrible Customer Service And Very Hard To deal With

Just Plain Awful And A Huge Headache

Posted by: Rafa | Dec 16, 2015

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!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Loans Bad Experience

Posted by: kc | Mar 22, 2012

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.

Poor Service

Posted by: bummed | Jan 11, 2012

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.



Health Grade Components

NCUA #62542
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.82%
Annual Interest Income$22.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$605.8MM$590.9MM
LoansQ4 2017vs Q4 2016$546.4MM$530.6MM
DepositsQ4 2017vs Q4 2016$525.8MM$497.1MM
Equity CapitalQ4 2017vs Q4 2016$61.0MM$58.0MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.3MM$3.8MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.4MM$4.5MM
Real Estate OwnedQ4 2017vs Q4 2016$2.2MM$1.9MM
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Always verify rates and promotions with the bank or credit union. We are not Golden Plains Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Golden Plains Credit Union Savings Account Rates

0.16%*$25k*-IRA Savings
OTHER TIERS: 0.10% $10 - $2k | 0.11% $2k - $10k | 0.13% $10k - $25k
0.16%*$25k*-Regular Savings
OTHER TIERS: 0.10% $10 - $2k | 0.11% $2k - $10k | 0.13% $10k - $25k
0.10%--Christmas Club

Golden Plains Credit Union Money Market Rates

0.20%*$25k*-Golden Investor Fund
OTHER TIERS: 0.15% $1k - $10k | 0.17% $10k - $25k

Golden Plains Credit Union Checking Account Rates

2.26%*-$25kGolden Rewards Checking
OTHER TIERS: 0.16% $25k+
0.16%*$25k*-Money Manager Checking Account
OTHER TIERS: 0.11% $2,500 - $10k | 0.13% $10k - $25k
0.16%*$25k*-Young at Heart Checking Account
OTHER TIERS: 0.10% $1k - $10k | 0.13% $10k - $25k
0.05%$750-Checking Account
0.05%$750-Student Checking Account

Golden Plains Credit Union CD Rates

2.29%$500$10k24 Month Variable T-Bill CD
1.46%*$25k*-60 Month CD
OTHER TIERS: 0.91% $500 - $10k | 1.41% $10k - $25k
1.06%*$25k*-48 Month CD
OTHER TIERS: 0.71% $500 - $10k | 1.01% $10k - $25k
0.96%*$25k*-30 Month CD
OTHER TIERS: 0.61% $500 - $10k | 0.91% $10k - $25k
0.71%*$25k*-18 Month CD
OTHER TIERS: 0.46% $500 - $10k | 0.66% $10k - $25k
0.66%*$25k*-12 Month CD
OTHER TIERS: 0.41% $500 - $10k | 0.61% $10k - $25k
0.46%*$25k*-6 Month CD
OTHER TIERS: 0.31% $500 - $10k | 0.41% $10k - $25k

Golden Plains Credit Union IRA Rates

2.41%$500-36 Month Variable IRA
1.46%*$25k*-60 Month IRA
OTHER TIERS: 0.91% $500 - $10k | 1.41% $10k - $25k
1.06%*$25k*-48 Month IRA
OTHER TIERS: 0.71% $500 - $10k | 1.01% $10k - $25k
0.96%*$25k*-30 Month IRA
OTHER TIERS: 0.61% $500 - $10k | 0.91% $10k - $25k
0.71%*$25k*-18 Month IRA
OTHER TIERS: 0.46% $500 - $10k | 0.66% $10k - $25k
0.66%*$25k*-12 Month IRA
OTHER TIERS: 0.41% $500 - $10k | 0.61% $10k - $25k
0.46%*$25k*-6 Month IRA
OTHER TIERS: 0.31% $500 - $10k | 0.41% $10k - $25k


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