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Summit Ridge Credit Union

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Summit Ridge Credit Union Rates & Review September 2026

Q: Is a member application needed to join Summit Ridge Credit Union?

Yes, to access services at Summit Ridge 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, Summit Ridge 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 3, 2026

Summit Ridge Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Summit Ridge Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.49%. Rates last updated and verified on 09/03/2026.

Summit Ridge 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 Summit Ridge Credit Union? Share your experience about Summit Ridge Credit Union by leaving a review below, or read customer reviews before you decide to use Summit Ridge Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.49%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Summit Ridge Credit Union
Summit Ridge Credit Union

3485 NE Ralph Powell Rd
Lees Summit, MO 64064

https://mysrcu.com

Summit Ridge Credit Union Savings Rates

Product	Rate	APY	View More
Regular Share Account(Membership Account)	0.13%	0.13%
Min Balance $100 Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.49%

Summit Ridge Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto	-	-	5.25%	Flexible
Details As Low As; Flexible terms available Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.49%

Summit Ridge Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	13.50%
Details Rates as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.49%

Summit Ridge Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%	60 months
Details Rates as low as Last Updated 09/03/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.49%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Summit Ridge Credit Union’s Texas Ratio rose from 10.25% in Q2 2023 to 14.49% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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	$19M	14.49%	5.0	A-
December 31, 2025	$19M	12.03%	5.0	A
September 30, 2025	$19M	11.61%	5.0	A
June 30, 2025	$20M	15.48%	5.0	A-
March 31, 2025	$20M	14.78%	5.0	A-
December 31, 2024	$21M	13.42%	5.0	A
September 30, 2024	$21M	13.00%	5.0	A
June 30, 2024	$21M	21.27%	4.5	B
March 31, 2024	$21M	22.00%	4.4	B
December 31, 2023	$21M	9.27%	5.0	A
September 30, 2023	$21M	8.10%	5.0	A
June 30, 2023	$22M	10.25%	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 Summit Ridge 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 Summit Ridge 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 Summit Ridge Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Summit Ridge Credit Union

Website https://mysrcu.com

Address 3485 NE Ralph Powell Rd, Lees Summit, MO 64064

Phone 816-272-6160

Fax 816-272-6266

President Gerald (Gary) Derks

CEO Sharri Wardlow

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 1

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- (93/100)

Texas Ratio

14.49%

Return on Assets (ROA)

0.0508%

Return on Equity (ROE)

0.6050%

Non-Performing Loans Ratio (NPL)

2.90%

Total Assets

19,430,830

Total Amount of Shares and Deposits

17,638,907

Total Shares and Deposits < 1 Year

16,465,890

Total Shares and Deposits 1 3 Years

718,307

Total Shares and Deposits > 3 Years

454,710

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

939,335

Total Uninsured Shares and Deposits > $250K (F+J)

939,335

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

16,699,572

Total Interest Expense (Sum of items 6 8)

50,821

Share Certificates

194

Number of Accounts for Share Drafts

724

Number of Accounts for Regular Shares

1,888

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)

3,728,377

Total Liabilities

17,800,278

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Summit Ridge 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 Summit Ridge Credit Union

How many branches does Summit Ridge Credit Union operate?

Summit Ridge 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 Summit Ridge Credit Union?

Yes, to access services at Summit Ridge 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, Summit Ridge 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, Summit Ridge Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Summit Ridge Credit Union offer online and mobile banking?

Most modern institutions like Summit Ridge 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://mysrcu.com.