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KC Area Credit Union

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KC Area Credit Union Rates & Review May 2026

Q: How many branches does KC Area Credit Union operate?

KC Area 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 KC Area Credit Union?

Yes, to access services at KC Area 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: Is there a first-time homebuyer program?

Currently, KC Area 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, KC Area 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: May 12, 2026

KC Area Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of KC Area Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.93%. Rates were last updated on 05/12/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.93%

Excellent Lower than avg

KC Area Credit Union
K C Area Credit Union

601 E 12th St Rm G 61
Kansas City, MO 64106

https://www.kcareacu.com

KC Area Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details As Low As; *must qualify for rate Last Updated 05/10/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.93%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for KC Area 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 KC Area 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 KC Area Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KC Area Credit Union

Website https://www.kcareacu.com

Address 601 E 12th St Rm G 61, Kansas City, MO 64106

Phone 816-936-5050

Fax 816-936-5060

President Josef Gunter

CEO Elisha Churchill

Full-Time Employees 4

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

1.93%

Return on Assets (ROA)

0.5750%

Return on Equity (ROE)

3.4476%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

11,537,873

Total Amount of Shares and Deposits

9,515,653

Total Shares and Deposits < 1 Year

9,515,653

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

4,126

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

4,126

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

9,511,527

Total Interest Expense (Sum of items 6 8)

28,192

Share Certificates

Number of Accounts for Share Drafts

580

Number of Accounts for Regular Shares

2,052

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,333,086

Total Liabilities

9,613,534

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for KC Area 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

Add Your Rating and Review for KC Area Credit Union

Frequently Asked Questions About KC Area Credit Union

How many branches does KC Area Credit Union operate?

KC Area 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 KC Area Credit Union?

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

Does KC Area Credit Union offer online and mobile banking?

Most modern institutions like KC Area 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.kcareacu.com.