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1st Kansas Credit Union

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1st Kansas Credit Union Rates & Review September 2026

Q: How many branches does 1st Kansas Credit Union operate?

1st Kansas Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join 1st Kansas Credit Union?

Yes, to access services at 1st Kansas Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Kansas Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 16, 2026

1st Kansas Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of 1st Kansas Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates last updated and verified on 09/16/2026.

1st Kansas Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 1st Kansas Credit Union? Share your experience about 1st Kansas Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Kansas Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

1st Kansas Credit Union
1st Kansas Credit Union

400 S Kansas Ave Ste B
Topeka, KS 66603-3438

https://www.1stkansascu.com

1st Kansas Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	5.49%	2026-2023
Details Rates effective October 1, 2025. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used Vehicle Loan	-	-	6.99%	2022-2020
Details Rates are based on credit score, the above rates are for credit scores above 600, if your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Used Vehicle Loan	-	-	7.99%	2019-older
Details Rates are based on credit score, the above rates are for credit scores above 600, if your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1st Kansas Credit Union Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	10.00%
Details Up to $8000.00 depending on your credit score. Unsecured loans can only be refinanced twice in a rolling calendar year, and after 10% has been paid down. Rates are based on credit score, the above rates are for credit scores above 600, if your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

1st Kansas Credit Union Other Rates

Product	Rate	Points	APY/APR
College Loan	-	-	3.00%
Details Loan amount up to $2500.00. Call the credit union for more details! Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Premium Account	-	-	0.35%
Min Deposit $2,500 Details Has to be opened within the first 14 days of each quarter. Dividends paid quarterly. Not linked to debit card, or checking account. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Regular Share	-	-	0.15%
Min Deposit $5 Min Balance $50 Details Dividends paid quarterly. Only 6 transfers or automatic withdrawals a month, Per Reg D. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

1st Kansas Credit Union’s Texas Ratio rose from 0.00% in Q2 2023 to 1.54% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$12M	1.54%	5.0	A+
December 31, 2025	$12M	1.39%	5.0	A+
September 30, 2025	$12M	0.06%	5.0	A+
June 30, 2025	$11M	3.01%	5.0	A+
March 31, 2025	$11M	1.80%	5.0	A+
December 31, 2024	$11M	1.61%	5.0	A+
September 30, 2024	$11M	0.00%	5.0	A+
June 30, 2024	$11M	1.25%	5.0	A+
March 31, 2024	$11M	1.29%	5.0	A+
December 31, 2023	$11M	2.36%	5.0	A+
September 30, 2023	$11M	0.00%	5.0	A+
June 30, 2023	$11M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 1st Kansas Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 1st Kansas Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 1st Kansas Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Kansas Credit Union

Website https://www.1stkansascu.com

Address 400 S Kansas Ave Ste B, Topeka, KS 66603-3438

Phone 785-233-4323

Fax 785-233-4112

President ASHLEY HAMM

CEO Felicity Gorski

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.54%

Return on Assets (ROA)

0.1158%

Return on Equity (ROE)

0.5916%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

12,225,934

Total Amount of Shares and Deposits

9,827,379

Total Shares and Deposits < 1 Year

9,827,379

Total Insured Shares and Deposits > $250K (item 17 less item K)

9,827,379

Total Interest Expense (Sum of items 6 8)

56,247

Number of Accounts for Share Drafts

319

Number of Accounts for Regular Shares

1,091

All other shares

104

Money Market Shares

166

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

461,714

Total Liabilities

9,832,449

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

1st Kansas Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About 1st Kansas Credit Union

How many branches does 1st Kansas Credit Union operate?

1st Kansas Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 1st Kansas Credit Union?

Yes, to access services at 1st Kansas Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 1st Kansas Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 1st Kansas Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Kansas Credit Union offer online and mobile banking?

Most modern institutions like 1st Kansas Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stkansascu.com.