Golden Plains Credit Union


Overview / Commentary
620-275-2151
1714 E Kansas Ave
Garden City, KS 67846

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 491st largest credit union in the nation. It was established in 1951 and as of December of 2020, it had grown to 196 employees and 80,962 members at 13 locations. Golden Plains Credit Union has an A+ health rating.

Field of Membership Restrictions

Golden Plains Credit Union of Kansas is open to individuals who live, work, or worship in any of the following 77 Kansas counties: Allen, Anderson, Barber, Barton, Bourbon, Butler, Cherokee, Cheyenne, Clark, Clay, Cloud, Comanche, Cowley, Crawford, Decatur, Dickinson, Edwards, Ellis, Ellsworth, Finney, Ford, Geary, Gove, Graham, Grant, Gray, Greeley, Hamilton, Harper, Harvey, Haskell, Hodgeman, Kearney, Kingman, Kiowa, Labette, Lane, Lincoln, Linn, Logan, McPherson, Marion, Meade, Mitchell, Montgomery, Morton, Neosho, Ness, Norton, Osborne. Ottawa, Pawnee, Phillips, Pratt, Rawlins, Reno, Rice, Riley, Rooks, Rush, Russell, Saline, Scott, Sedgwick, Seward, Sherman, Smith, Stafford, Stanton, Stevens, Sumner, Thomas, Trego, Wallace, Wichita, or Wilson, or the Liberal Trade area. Members of the Friends of Lee Richardson Zoo or the Leave a Legacy Foundation also qualify for membership.
See current membership details

Great Rates!

Posted by: |

We have been customers of Golden Plains Credit Union for the past 3 years and have been very pleased. Their online banking works well and they have a great bill pay service that makes it easy to use and to track. We have always been treated well when making transactions at our branch.

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: |

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!

Banking Customer Service Hell.

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.

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Health
A+

Health Grade Components

Overall
NCUA #62542
Year Chartered1951
Employees196
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD9.37%
Annual Interest Income$28.9MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$743.5MM$674.9MM
LoansQ4 2020vs Q4 2019$628.0MM$613.4MM
DepositsQ4 2020vs Q4 2019$656.8MM$587.5MM
Equity CapitalQ4 2020vs Q4 2019$77.7MM$70.5MM
Loan Loss AllowanceQ4 2020vs Q4 2019$6.7MM$5.0MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$1.6MM$2.1MM
Real Estate OwnedQ4 2020vs Q4 2019$891.00K$1.6MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.16%*$25k*-Regular Savings
OTHER TIERS: 0.10% $10 - $2k | 0.11% $2k - $10k | 0.13% $10k - $25k

Golden Plains Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.81%$5k-15 Month CD Special
Locations

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