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Golden Plains Credit Union Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Golden Plains Credit Union's 11-Month CD rates are at 4.05%. Golden Plains Credit Union's Credit Card Rates are at 9.90%. Golden Plains Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Golden Plains Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.93%. Rates last updated and verified on 10/29/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.93%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Golden Plains Credit Union
GPCU-Garden City
1714 E Kansas Ave
Garden City, KS 67846-6235
https://www.gpcu.org
Member NCUA
Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Golden Plains Credit Union CD Rates

Product Rate APY Term View More
11-Month CD - 4.05% 11 months
Details CD Special; Certain Restrictions Apply
Last Updated 10/29/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75%
3.25%3.90%4.55%Sep 14, 2026: 3.75% APYOct 29, 2026: 4.05% APYSep 14, 2026Nov 2, 2026
  • Oct 29, 20264.05%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.93%

Golden Plains Credit Union Credit Card Rates

Product Rate APR View More
VISA Platinum - 9.90%
Details Introductory APR of 7.90% for first six billing cycles, then 9.90%; applies to purchases, balance transfers and cash advances; Penalty APR:
Last Updated 10/29/2026
Rate History
No change since Oct 22, 2026 · 9.90% APR · checked 3 times
9.40%9.90%10.40%Oct 22, 2026: 9.90% APROct 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.93%
VISA Golden Rewards - 11.90%
Details Intro/promo APR: 9.90%; Intro rate expires: six (6) billing cycles; Regular APR: 11.90%; Introductory APR applies to purchases, balance transfers and cash advances; Minimum interest charge $1.00
Last Updated 10/29/2026
Rate History
No change since Oct 22, 2026 · 11.90% APR · checked 3 times
11.40%11.90%12.40%Oct 22, 2026: 11.90% APROct 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.93%
VISA Classic Plus - 13.90%
Details Intro/promo APR: 9.90%; Intro rate expires: 6 billing cycles; Regular APR: 13.90%; Introductory APR applies to purchases, balance transfers and cash advances
Last Updated 10/29/2026
Rate History
No change since Oct 22, 2026 · 13.90% APR · checked 3 times
13.40%13.90%14.40%Oct 22, 2026: 13.90% APROct 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.93%
VISA Classic - 15.90%
Details Intro/promo APR: 11.90%; Intro rate expires: six (6) billing cycles; Regular APR: 15.90%; Introductory APR applies to purchases, balance transfers and cash advances
Last Updated 10/29/2026
Rate History
No change since Oct 22, 2026 · 15.90% APR · checked 3 times
15.40%15.90%16.40%Oct 22, 2026: 15.90% APROct 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.93%
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.
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Financial Health History

Golden Plains Credit Union’s Texas Ratio rose from 4.17% in Q3 2023 to 5.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.17% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A Q4 2025 A+ Q1 2026 5.93% A+ Q2 2026
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 limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.0B5.93%5.0A+
March 31, 2026$1.0B5.41%5.0A+
December 31, 2025$977M6.97%5.0A
September 30, 2025$979M4.77%5.0A+
June 30, 2025$978M3.85%5.0A+
March 31, 2025$1.0B3.28%5.0A+
December 31, 2024$992M4.53%5.0A+
September 30, 2024$1.0B4.94%5.0A+
June 30, 2024$993M4.29%5.0A+
March 31, 2024$1.0B4.08%5.0A+
December 31, 2023$992M5.01%5.0A+
September 30, 2023$1.0B4.17%5.0A+
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 Golden Plains 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 Golden Plains 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 Golden Plains Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Golden Plains Credit Union
Website https://www.gpcu.org
Address 1714 E Kansas Ave, Garden City, KS 67846-6235
Phone 620-275-2151
Fax 620-271-9480
President Jessica Wikoff
CEO Rosa Saenz
Full-Time Employees 219
Part-Time Employees 8
Branch Locations 12
ATM Locations 11
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.93%
Return on Assets (ROA)
0.4403%
Return on Equity (ROE)
3.3329%
Non-Performing Loans Ratio (NPL)
1.06%
Total Assets
1,001,333,063
Total Amount of Shares and Deposits
863,573,344
Total Shares and Deposits < 1 Year
853,811,090
Total Shares and Deposits 1 3 Years
7,532,554
Total Shares and Deposits > 3 Years
2,229,700
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
84,909,911
Total Uninsured Shares and Deposits > $250K (F+J)
84,909,911
Total Insured Shares and Deposits > $250K (item 17 less item K)
778,663,433
Total Interest Expense (Sum of items 6 8)
9,355,037
Share Certificates
8,004
Number of Accounts for Share Drafts
29,667
IRA KEOGH Accounts
1,811
Number of Accounts for Regular Shares
102,849
Non Member Deposits
2
Money Market Shares
2,106
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)
164,092,479
Total Liabilities
869,051,362
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Golden Plains 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/golden-plains-credit-union-rates-review-62542">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Golden Plains Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Golden Plains Credit Union

Does Golden Plains Credit Union offer CDs?

Yes. Golden Plains Credit Union current CD rates include its 11-Month CD at 4.05% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Golden Plains Credit Union NCUA insured?

Yes. Golden Plains Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Golden Plains Credit Union?

The highest Golden Plains Credit Union CD rate is its 11-Month CD at 4.05% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Golden Plains Credit Union offer?

Golden Plains Credit Union CD rates are 4.05% APY for an 11 month CD and 4.05% APY for a 12 month CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Golden Plains Credit Union for its full lineup.

What is the lowest credit card APR at Golden Plains Credit Union?

The lowest Golden Plains Credit Union credit card APR is its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Golden Plains Credit Union operate?

Golden Plains 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 Golden Plains Credit Union?

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

Does Golden Plains Credit Union offer online and mobile banking?

Most modern institutions like Golden Plains 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.gpcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Golden Plains Credit Union rates compare?

Golden Plains Credit Union's CD rates are 34% higher than the MonitorBankRates national average, and it has an A+ health rating. Golden Plains Credit Union's top rates are its 11-Month CD at 4.05% APY and its VISA Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Golden Plains Credit Union Rates

  • 12-Month CD4.05%
Retrieved from our database of financial products. Rates subject to change.

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