Overview / Commentary
816-325-6900
1111 E 23rd St S
Independence, MO 64055

United Consumers Credit Union is headquartered in Independence and is the 20th largest credit union in the state of Missouri. It is also the 1,291st largest credit union in the nation. It was established in 1941 and as of June of 2018, it had grown to 57 employees and 18,150 members at 7 locations. United Consumers Credit Union's money market rates are 14% higher than the national average, and it has a B 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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Reviews (4)

Community Neighborhood Credit Union

United Consumer's Credit Union has been my financial institution for 25 years. The customer service and support is overwhelmingly outstanding. They recently made changes to their web/mobile services that make banking online an even more safe and secure experience. The ease of use while banking online is very transparent with transaction updates posted immediately. I have gotten loans through United Consumer's Credit Union that had easy to budget monthly payments that are also affordable. Overall, I would highly recommend United Consumer's Credit Union to anyone looking for a community financial institution that is local with ATM machines at many different locations throughout the city.

Couldn't ask for more.

Posted by: RichardJ42 | Nov 3, 2016

Everything you could want in a credit union. very fair fees. very quick and easy to sign up for an account. Everyone is always very friendly. They always get me in and out extremely fast. and at my local branch every friday someone who works there brings in home made cookes that are soooo good. I actually switched up the day i normally go by the bank so i'm always there for the cookies haha.

The only slight downside is the website. Your balance itself updates instantly but its usually like at least 24 hours before it shows where that money actually went. But all in all that's just a minor inconvenience. I originally joined simply because they were near my apt and i didn't have a car at the time but I will be sticking with them no matter what.

United Consumer Credit Union

My family has taken out several CDs and small bond accounts with this bank for slow growth interest. They are very helpful with managing and assisting us with any questions or concerns about the accounts. They give us through detailed year to year planning and what to expect can happen to these accounts over the course of time. I was able to have a good nest egg through the interested I complied and gained as well has helped plan for college expenses gained over time from these. Without the great rates and service provided from this credit union, I would have a more trouble and costs associated with my time in college.

Really solid credit union

This branch has some of the best customer service I've came across yet. I really enjoy the service level this branch has given me. I had some bonds that were issued under my name as a child. Any time I wanted to get in and check the status or pull these out I was given excellent service in answering questions, giving me time tables on when these would mature and overall how much interest I would make from them. It was nice to feel that everything was answered and met. In the future with my own kids, I think about investing here as their rates and interest are in the upper tiers and are hard to match anywhere else.



Health

Health Grade Components

Overall
NCUA #68410
Year Chartered1941
Employees57
Primary Regulator
Profit Margin
Return on Assets - YTD-0.07%
Return on Equity - YTD-0.73%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$145.8MM$144.3MM
LoansQ2 2018vs Q2 2017$81.9MM$90.1MM
DepositsQ2 2018vs Q2 2017$129.4MM$128.8MM
Equity CapitalQ2 2018vs Q2 2017$14.5MM$14.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.6MM$1.8MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.9MM$2.3MM
Real Estate OwnedQ2 2018vs Q2 2017$624.00K$647.00K
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
0.15%*$25k*-Regular Share
OTHER TIERS: 0.05% $500 - $5k | 0.10% $5k - $25k
0.15%*$25k*-IRA Savings
OTHER TIERS: 0.05% $2k - $10k | 0.10% $10k - $25k
0.05%--Christmas Club
0.05%--Youth Savings

United Consumers Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Preferred Money Market
OTHER TIERS: 0.10% $2.5k - $10k | 0.40% $10k - $50k | 0.45% $50k - $75k
0.30%$2.5k-Classic Money Market

United Consumers Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Preferred Checking
0.10%--Business Checking

United Consumers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500$25k24 Month CD
2.50%$25k$75k24 Month Preferred CD
2.50%$75k-24 Month Premium CD
2.30%$500$25k60 Month CD
2.30%$25k$75k60 Month Preferred CD
2.30%$75k-60 Month Premium CD
2.20%$500$25k48 Month CD
2.20%$25k$75k48 Month Preferred CD
2.20%$75k-48 Month Premium CD
2.00%$500$25k36 Month CD
2.00%$25k$75k36 Month Preferred CD
2.00%$75k-36 Month Premium CD
1.90%$500$25k30 Month CD
1.90%$25k$75k30 Month Preferred CD
1.90%$75k-30 Month Premium CD
1.80%$500$25k18 Month CD
1.80%$25k$75k18 Month Preferred CD
1.80%$75k-18 Month Premium CD
0.95%$500$25k12 Month CD
0.95%$25k$75k12 Month Preferred CD
0.95%$75k-12 Month Premium CD
0.85%$500$25k6 Month CD
0.85%$25k$75k6 Month Preferred CD
0.85%$75k-6 Month Premium CD

United Consumers Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500$25k24 Month IRA
2.50%$25k$75k24 Month Preferred IRA
2.50%$75k-24 Month Premium IRA
2.30%$500$25k60 Month IRA
2.30%$25k$75k60 Month Preferred IRA
2.30%$75k-60 Month Premium IRA
2.20%$500$25k48 Month IRA
2.20%$25k$75k48 Month Preferred IRA
2.20%$75k-48 Month Premium IRA
2.00%$500$25k36 Month IRA
2.00%$25k$75k36 Month Preferred IRA
2.00%$75k-36 Month Premium IRA
1.90%$500$25k30 Month IRA
1.90%$25k$75k30 Month Preferred IRA
1.90%$75k-30 Month Premium IRA
1.80%$500$25k18 Month IRA
1.80%$25k$75k18 Month Preferred IRA
1.80%$75k-18 Month Premium IRA
0.95%$500$25k12 Month IRA
0.95%$25k$75k12 Month Preferred IRA
0.95%$75k-12 Month Premium IRA
0.85%$500$25k6 Month IRA
0.85%$25k$75k6 Month Preferred IRA
0.85%$75k-6 Month Premium IRA
Locations


United Consumers Credit Union Locations
Branch Office1105 W Dennis AveOlathe, KS 66061
Branch Office8730 E 63rd StRaytown, MO 64133
Branch Office400 W US Highway 24Independence, MO 64050
Branch Office1111 E 23rd St SIndependence, MO 64055
Branch Office17911 E US Highway 24Independence, MO 64056
Branch Office724 N Belt HwySaint Joseph, MO 64506-3011
Branch Office2301 Main StKansas City, MO 64108

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