Kansas City Credit Union Has Top-Rate 60-Month CD


Deal Summary: 60-month CD, 3.00% APY, $500 minimum deposit

Availability: Residents of Clay and Jackson Counties, Missouri; employees of Kansasa City (MO) government and Truman Medical Centers.

Kansas City Credit Union (KCCU) is currently offering 3.00% APY on its 60-month CD. The minimum opening deposit is $500, with no stated balance cap.

2.75%$500-Kansas City Credit Union60 Month CD
Rates as of May 19, 2024.

While banks may be quick to respond to rate environment changes, many credit unions seem to take a more measured approach, almost seeming to lag in their response time. This lag-time can provide a window of opportunity, allowing you to lock into a very competitive CD rate before the credit union eventually lowers its rates.

According to CSR, the Early Withdrawal Penalty is 12 months of interest, but only early closures are permitted – no partial withdrawals.


Headquartered in Kansas City, Missouri, the aptly-named Kansas City Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live, work, or worship in the Missouri counties of Clay or Jackson, eligible to join.

Employees of the Kansas City (MO) government, Truman Medical Centers, KCATA The Metro, AB May, and Prier Products also qualify for membership.

Family members of active KCCU members “in good standing” are welcome to apply.

Joining KCCU and/or opening a CD can be done at any of three full-service Missouri branches located in Gladstone and Kansas City (2).

It takes a $25 “ownership share” to open and you begin to earn dividends (interest) on balances over $100.

KCCU members have access to more than 30,000 surcharge-free ATMs through participation in the CO-OP ATM networks.

Credit Union Overview

Kansas City Credit Union has an overall health grade of "B+" at DepositAccounts.com, with a Texas Ratio of 2.21% (excellent) based on September 30, 2019 data. In the past year, KCCU has increased its total non-brokered deposits by $1.56 million, an excellent annual growth rate of 5.34%. Please refer to our financial overview of Kansas City Credit Union (NCUA Charter # 63388) for more details.

Established in 1940, Kansas City Credit Union will be celebrating its 80th anniversary in October. Originally serving only the employees of Kansas City, Missouri, the FOM has expanded and now includes the nearly 900,000 residents of Jackson and Clay Counties, the second and sixth largest Missouri counties, respectively.

How the CD Compares

When compared to 184 similar length-of-term CDs tracked by DepositAccounts.com that require a similar minimum deposit and are available within the FOM, Kansas City Credit Union’s 60-month CD APY currently ranks first.

These rates are accurate as of 3/9/2020.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Kansas City CD rates, 5-year CD rates

Previous Comments
  |     |   Comment #1
Hey folks, this is a $35 Million asset CU. Very small. I doubt they are really aware of this very high special rate and will probably cancel the offer when they get a few million is new deposits. Probably best to move along to another special.
  |     |   Comment #2
Given this CU's extremely restricted membership qualifications, probably most readers here "moved along" on the offer well before your present recommendation, - which is why (until now) there were no posts in regards to it.

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