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United Consumers Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.uccumo.com
816-325-6900
1111 E 23rd St S
Independence, MO 64055

United Consumers Credit Union is headquartered in Independence and is the 19th largest credit union in the state of Missouri. It is also the 1,270th largest credit union in the nation. It was established in 1941 and as of September of 2024, it had grown to 50 employees and 17,398 members at 5 locations. United Consumers Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

United Consumers Credit Union is open to those who live in Buchanan, Cass, Clay, Jackson counties, and in the city of Cameron, Missouri; and those who worship, work or live in Johnson County, Kansas. Additionally, those who work for the City of St. Joseph and other Select Employee Groups.
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Health
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68410
Year Chartered1941
Employees50
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD4.45%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$199.2MM$201.2MM
LoansQ3 2024vs Q3 2023$150.9MM$135MM
DepositsQ3 2024vs Q3 2023$175.2MM$169.9MM
Equity CapitalQ3 2024vs Q3 2023$22.1MM$21MM
Loan Loss AllowanceQ3 2024vs Q3 2023$2.2MM$2.1MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$898K$843K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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Always verify rates and promotions with the bank or credit union. We are not United Consumers 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.

United Consumers Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$0$10kKasasa Saver
OTHER TIERS: 0.15% → $10k+
0.40%*$50k*-Regular Share
OTHER TIERS: 0.05% → $500 - $1k | 0.10% → $1k - $2.5k | 0.25% → $2.5k - $5k | 0.30% → $5k - $25k | 0.35% → $25k - $50k
0.40%*$50k*-IRA Savings
OTHER TIERS: 0.05% → $2k - $5k | 0.25% → $5k - $10k | 0.30% → $10k - $50k
0.20%$0-Christmas Club
0.20%$0-Youth Savings

United Consumers Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.85%*$75k*-Classic Money Market
OTHER TIERS: 0.75% → $0 - $2.5k | 1.00% → $2.5k - $10k | 1.30% → $10k - $50k | 1.75% → $50k - $75k
1.85%*$75k*-Preferred Money Market
OTHER TIERS: 0.75% → $0 - $2.5k | 1.00% → $2.5k - $10k | 1.30% → $10k - $50k | 1.75% → $50k - $75k

United Consumers Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$0$10kKasasa Cash
OTHER TIERS: 0.15% → $10k+
0.20%$0-Preferred Checking
0.20%$0-Business Checking

United Consumers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$75k-6 Month Premium CD
4.40%$75k-12 Month Premium CD
4.30%$75k-18 Month Premium CD
4.20%$25k$75k6 Month Preferred CD
4.20%$25k$75k12 Month Preferred CD
4.11%$25k$75k18 Month Preferred CD
4.11%$75k-24 Month Premium CD
4.00%$500$25k6 Month CD
4.00%$500$25k12 Month CD
4.00%$75k-30 Month Premium CD
4.00%$75k-36 Month Premium CD
3.90%$500$25k18 Month CD
3.90%$25k$75k24 Month Preferred CD
3.80%$25k$75k30 Month Preferred CD
3.80%$25k$75k36 Month Preferred CD
3.80%$75k-60 Month Premium CD
3.70%$500$25k24 Month CD
3.70%$25k$75k60 Month Preferred CD
3.70%$75k-48 Month Premium CD
3.60%$500$25k30 Month CD
3.60%$500$25k36 Month CD
3.60%$500$25k60 Month CD
3.60%$25k$75k48 Month Preferred CD
3.51%$500$25k48 Month CD

United Consumers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.40%$75k-6 Month Premium IRA
4.40%$75k-12 Month Premium IRA
4.30%$75k-18 Month Premium IRA
4.20%$25k$75k6 Month Preferred IRA
4.20%$25k$75k12 Month Preferred IRA
4.11%$25k$75k18 Month Preferred IRA
4.11%$75k-24 Month Premium IRA
4.00%$500$25k6 Month IRA
4.00%$500$25k12 Month IRA
4.00%$75k-30 Month Premium IRA
4.00%$75k-36 Month Premium IRA
3.90%$500$25k18 Month IRA
3.90%$25k$75k24 Month Preferred IRA
3.80%$25k$75k30 Month Preferred IRA
3.80%$25k$75k36 Month Preferred IRA
3.80%$75k-60 Month Premium IRA
3.70%$500$25k24 Month IRA
3.70%$75k-48 Month Premium IRA
3.70%$25k$75k60 Month Preferred IRA
3.60%$500$25k30 Month IRA
3.60%$500$25k36 Month IRA
3.60%$500$25k60 Month IRA
3.60%$25k$75k48 Month Preferred IRA
3.51%$500$25k48 Month IRA
Locations


United Consumers Credit Union Locations
Branch Office8730 E 63rd StRaytown, MO 64133
Branch Office400 W US Highway 24Independence, MO 64050
Branch Office1111 E 23rd St SIndependence, MO 64055
Branch Office724 N Belt HwySaint Joseph, MO 64506-3011
Branch Office1105 W Dennis AveOlathe, KS 66061

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