Kansas City Credit Union

Overview / Commentary
5110 Ararat Dr
Kansas City, MO 64129

Kansas City Credit Union is headquartered in Kansas City and is the 45th largest credit union in the state of Missouri. It is also the 2,393rd largest credit union in the nation. It was established in 1940 and as of March of 2024, it had grown to 17 employees and 5,647 members at 3 locations. Kansas City Credit Union's CD rates are 4X the national average, but it has a D health rating.

Field of Membership Restrictions

Kansas City Credit Union is open to those who live, work, or worship in the Missouri counties of Cass, Clay, or Jackson. Employees of the Kansas City (MO) government, the Truman Medical Center, and KCATA The Metro as qualify for membership.
See current membership details

Reviews (2)

My Credit Union

I have had nothing but quality experiences with my credit union. They are very efficient as it relates to my deposits into my checking and savings accounts. I never have to wait to have access to my money and they are very diligent at making sure that things are processed quickly. For instance, recently I had a cashier's check that I needed to deposit. I walked up to my personal teller and she greeted me very friendly and handled this deposit rather efficiently. I asked her when my funds would be available and she told me that the funds would be available immediately. I have been banking there for over 3 years now and I have never had to wait for my funds. All of my transactions have been very thorough and I am impressed with the overall performance of this credit union.

A great Credit Union

I have had a savings and a checking account at this particular credit union for the last 3 years. The thing I like most about my credit union is the wonderful customer service that I receive every time I conduct business with this credit union. All of the bank tellers and customer service reps greet me with a smile and they always seem generally interested in my day and well-being. In addition, when I have banking questions or concerns, they always do their best to explain their processes and how it impacts my business. They also do a good job of providing me with information as it relates to changes the credit union may be undergoing via e-mail. They also provide scholarship money to local area students which shows their commitment to the community. As far as my deposits go, anytime I deposit funds into my checking or savings account, the money always post on time and I have never had any issues pertaining to utilizing my debit card for transactions. I am very impressed with this credit union and I envision our relationship continuing for quite some time.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Kansas City Credit Union has a relatively low asset base, and a negative return on assets.

Health Grade Components

NCUA #63388
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD-4.64%
Return on Equity - YTD-67.42%
Annual Interest Income$678K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$54.6MM$62.9MM
LoansQ1 2024vs Q1 2023$45.8MM$51.9MM
DepositsQ1 2024vs Q1 2023$48.9MM$52.8MM
Equity CapitalQ1 2024vs Q1 2023$3.9MM$4.4MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1MM$342K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.3MM$111K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kansas City Credit Union Savings Account Rates

0.05%*$50k*-Savings Account
OTHER TIERS: 0.03% $100 - $50k
0.05%*$50k*-Holiday Club Account
OTHER TIERS: 0.03% $100 - $50k
0.05%*$50k*-Secondary Savings Account
OTHER TIERS: 0.03% $100 - $50k

Kansas City Credit Union Money Market Rates

1.50%*$150k*-Money Market Account
OTHER TIERS: 1.00% $1k - $50k | 1.25% $50k - $150k

Kansas City Credit Union CD Rates

4.00%$500-12 Month CD
3.25%$500-24 Month CD
2.75%$500-48 Month CD
2.75%$500-60 Month CD
2.50%$500-36 Month CD

Kansas City Credit Union Locations
Branch Office414 E 12th St Fl 1Kansas City, MO 64106-2702
Branch Office7245 N Oak TrfyGladstone, MO 64118-1852
Branch Office5110 Ararat DrKansas City, MO 64129-1917

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