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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
KC FAIRFAX 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
KC FAIRFAX's 90 Day CD rates are at 3.00%, 6 Month CD rates are at 2.50%, 36 Month IRA CD rates are at 2.40%, 36 Month CD rates are at 2.40%, 24 Month CD rates are at 2.30%. KC FAIRFAX's checking rates are as high as 0.10%. KC FAIRFAX's Personal Loan Rates are as low as 7.00%. MonitorBankRates evaluates the financial stability of KC FAIRFAX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.71%. Rates last updated and verified on 10/19/2026. KC FAIRFAX 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 FAIRFAX? Share your experience about KC FAIRFAX by leaving a review below, or read customer reviews before you decide to use KC FAIRFAX. KC FAIRFAX
KC Fairfax Federal Credit Union 104 Sunshine Rd
http://www.kcffcu.com Kansas City, KS 66115-1314  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. KC FAIRFAX CD Rates
KC FAIRFAX Savings Rates
KC FAIRFAX Checking Rates
KC FAIRFAX Auto Loan Rates
KC FAIRFAX Personal Loan Rates
KC FAIRFAX Other Rates
Financial Health HistoryKC FAIRFAX’s Texas Ratio fell from 9.07% in Q3 2023 to 4.71% in Q2 2026, so its financial health has improved and is now very strong 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 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 KC FAIRFAX 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 FAIRFAX 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 FAIRFAX's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
KC FAIRFAX
Website
http://www.kcffcu.com
Address
104 Sunshine Rd,
Kansas City, KS 66115-1314
Phone
913-647-9490
Fax
913-647-9489
President
Shiela Lee
CEO
Prentice Watson
Full-Time Employees
4
Part-Time Employees
3
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.71%
Return on Assets (ROA)
-1.1023%
Return on Equity (ROE)
-13.0217%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
6,765,596
Total Amount of Shares and Deposits
6,181,141
Total Shares and Deposits < 1 Year
5,445,147
Total Shares and Deposits 1 3 Years
485,994
Total Shares and Deposits > 3 Years
250,000
Total Insured Shares and Deposits > $250K (item 17 less item K)
6,181,141
Total Interest Expense (Sum of items 6 8)
22,874
Share Certificates
102
Number of Accounts for Share Drafts
523
IRA KEOGH Accounts
33
Number of Accounts for Regular Shares
1,930
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)
706,892
Total Liabilities
6,192,896
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About KC FAIRFAXDoes KC FAIRFAX offer CDs?Yes. KC FAIRFAX 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 KC FAIRFAX NCUA insured?Yes. KC FAIRFAX 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 KC FAIRFAX?The highest CD rate MonitorBankRates has verified for KC FAIRFAX is 3.00% APY on its 90 Day CD, as of October 19, 2026. What CD terms does KC FAIRFAX offer?The KC FAIRFAX CD terms we track include 6 month, 12 month, 2 year and 3 year terms, with rates from 2.30% to 3.00% APY. The institution may offer other terms or specials that are not listed here, so check with KC FAIRFAX for its full lineup. What is the highest checking rate at KC FAIRFAX?The highest checking rate MonitorBankRates has verified for KC FAIRFAX is 0.10% APY on its Checking Account, as of October 19, 2026. What is the lowest auto loan rate at KC FAIRFAX?The lowest auto loan rate MonitorBankRates has verified for KC FAIRFAX is 5.99% APR on its New Vehicles Loan, as of October 19, 2026. What is the lowest personal loan rate at KC FAIRFAX?The lowest personal loan rate MonitorBankRates has verified for KC FAIRFAX is 7.00% APR on its Signature Loans, as of October 19, 2026. How many branches does KC FAIRFAX operate?KC FAIRFAX 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 FAIRFAX?Yes, to access services at KC FAIRFAX, 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 FAIRFAX 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 FAIRFAX provides members with tools to manage their accounts and build a solid financial history. Does KC FAIRFAX offer online and mobile banking?Most modern institutions like KC FAIRFAX 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: http://www.kcffcu.com. 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 KC FAIRFAX rates compare?KC FAIRFAX's top rates are 3.00% APY on its 90 Day CD, 0.10% APY on checking and personal loans from 7.00% APR, verified by MonitorBankRates on October 19, 2026. To compare KC FAIRFAX with the top rates nationwide, see our best CD rates, best checking rates and best personal loan rates, updated daily from banks and credit unions across the country. Current KC FAIRFAX Rates
Retrieved from our database of financial products. Rates subject to change.
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