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Advertiser Disclosure
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 Kansas City Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 19, 2026
Kansas City Credit Union's CDs of Deposit (CDs) - 12 month rates are at 4.00%, CDs of Deposit (CDs) - 24 month rates are at 3.45%, CDs of Deposit (CDs) - 36 month rates are at 3.40%, CDs of Deposit (CDs) - 48 month rates are at 3.35%, CDs of Deposit (CDs) - 60 month rates are at 3.30%. Kansas City Credit Union's savings rates are at 0.05%. Kansas City Credit Union's money market rates are at 1.50%. Kansas City Credit Union's Personal Loan Rates are as low as 11.90%. MonitorBankRates evaluates the financial stability of Kansas City Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.29%. Rates last updated and verified on 10/19/2026. Kansas City 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 Kansas City Credit Union? Share your experience about Kansas City Credit Union by leaving a review below, or read customer reviews before you decide to use Kansas City Credit Union. 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. Kansas City Credit Union CD Rates
Kansas City Credit Union Savings Rates
Kansas City Credit Union Money Market Rates
Kansas City Credit Union Auto Loan Rates
Kansas City Credit Union RV, Boat and Powersport Loan Rates
Kansas City Credit Union Personal Loan Rates
Financial Health HistoryKansas City Credit Union’s Texas Ratio rose from 16.97% in Q3 2023 to 18.29% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 4.7. 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. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Kansas City 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 Kansas City 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 Kansas City Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Kansas City Credit Union
Website
https://www.kccu.net
Address
5110 Ararat Dr,
Kansas City, MO 64129-1917
Phone
816-861-5700
Fax
816-861-5703
President
Janice Smith
CEO
Justin Wolfe
Full-Time Employees
15
Part-Time Employees
3
Branch Locations
3
ATM Locations
5
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B+ (88/100)
Texas Ratio
18.29%
Return on Assets (ROA)
0.2672%
Return on Equity (ROE)
3.0938%
Non-Performing Loans Ratio (NPL)
2.57%
Total Assets
46,397,995
Total Amount of Shares and Deposits
41,679,059
Total Shares and Deposits < 1 Year
40,668,715
Total Shares and Deposits 1 3 Years
887,976
Total Shares and Deposits > 3 Years
122,368
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,716,300
Total Uninsured Shares and Deposits > $250K (F+J)
1,716,300
Total Insured Shares and Deposits > $250K (item 17 less item K)
39,962,759
Total Interest Expense (Sum of items 6 8)
178,965
Share Certificates
182
Number of Accounts for Share Drafts
3,316
Number of Accounts for Regular Shares
6,244
Money Market Shares
202
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)
3,528,515
Total Liabilities
42,374,432
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Kansas City 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.
Add Your Rating and Review for Kansas City Credit Union
Frequently Asked Questions About Kansas City Credit UnionDoes Kansas City Credit Union offer CDs?Yes. Kansas City Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Kansas City Credit Union NCUA insured?Yes. Kansas City 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 Kansas City Credit Union?The highest CD rate MonitorBankRates has verified for Kansas City Credit Union is 4.00% APY on its CDs of Deposit (CDs) - 12 month, as of October 19, 2026. What CD terms does Kansas City Credit Union offer?The Kansas City Credit Union CD terms we track include 12 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.30% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Kansas City Credit Union for its full lineup. What is the highest savings rate at Kansas City Credit Union?The highest savings rate MonitorBankRates has verified for Kansas City Credit Union is 0.05% APY on its SAVINGS/HOLIDAY CLUB/SECONDARY SAVINGS, as of October 19, 2026. What is the highest money market rate at Kansas City Credit Union?The highest money market rate MonitorBankRates has verified for Kansas City Credit Union is 1.50% APY on its Money Market Account, as of October 19, 2026. What is the lowest auto loan rate at Kansas City Credit Union?The lowest auto loan rate MonitorBankRates has verified for Kansas City Credit Union is 4.50% APR on its Auto Loans - 2025 & Newer Model Year, as of October 19, 2026. What is the lowest personal loan rate at Kansas City Credit Union?The lowest personal loan rate MonitorBankRates has verified for Kansas City Credit Union is 11.90% APR on its Unsecured/Personal Loans, as of October 19, 2026. How many branches does Kansas City Credit Union operate?Kansas City 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 Kansas City Credit Union?Yes, to access services at Kansas City 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, Kansas City 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, Kansas City Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Kansas City Credit Union offer online and mobile banking?Most modern institutions like Kansas City 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.kccu.net. 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 Kansas City Credit Union rates compare?Kansas City Credit Union's top rates are 4.00% APY on its CDs of Deposit (CDs) - 12 month, 0.05% APY on savings, 1.50% APY on money market and personal loans from 11.90% APR, verified by MonitorBankRates on October 19, 2026. To compare Kansas City Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best personal loan rates, updated daily from banks and credit unions across the country. Current Kansas City Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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