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Midwest Regional Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: May 10, 2026

Midwest Regional Credit Union's 12 Month CD rates are at 3.64%, 24 Month CD rates are at 3.49%, 36 Month CD rates are at 3.30%, 6 Month CD rates are at 3.03%, 60 Month CD rates are at 3.00%. Midwest Regional Credit Union's Personal Loan Rates are at 12.50%. MonitorBankRates evaluates the financial stability of Midwest Regional Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.52%. Rates were last updated on 05/10/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.52%
Excellent Lower than avg
Midwest Regional Credit Union
Main Office
7240 STATE AVE
KANSAS CITY, KS 66112
https://www.mrcu.com
Member NCUA

Midwest Regional Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificate 3.60% 3.64% 12 Month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
24 Month Share Certificate 3.45% 3.49% 24 Month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
36 Month Share Certificate 3.25% 3.30% 36 Month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
6 Month Share Certificate 3.00% 3.03% 6 Month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
60 Month Share Certificate 2.97% 3.00% 60 Month
Details 5-year minimum deposit = $5,000
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%

Midwest Regional Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.75%
Details As Low As; Rate based on creditworthiness and term of loan.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%

Midwest Regional Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 4.99%
Details As Low As; Rate based on creditworthiness and term of loan.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%

Midwest Regional Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 7.90%
Details As Low As; Rate based on creditworthiness and term of loan.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
Visa Card Options - 7.90%
Details Platinum APR*: Regular APR: 7.9%
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
Visa Card Options - 11.90%
Details Secured APR*: Regular APR: 11.90%
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
Visa Card Options - 12.90%
Details Classic APR*: Regular APR: 12.90%
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%

Midwest Regional Credit Union Personal Loan Rates

Product Rate APR View More
PERSONAL Loans - 12.50%
Details As Low As; Borrow between $500 and $7,500 with Personal Loans starting at 12.50% APR*.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.52%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Midwest Regional 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 Midwest Regional 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 Midwest Regional Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Midwest Regional Credit Union
Website https://www.mrcu.com
Address 7240 STATE AVE, KANSAS CITY, KS 66112
Phone 913-334-4200
Fax 913-334-9672
President Simon Cole
CEO Melissa Douglas
Full-Time Employees 15
Part-Time Employees 1
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
2.52%
Return on Assets (ROA)
0.6448%
Return on Equity (ROE)
6.0736%
Non-Performing Loans Ratio (NPL)
0.59%
Total Assets
71,599,630
Total Amount of Shares and Deposits
63,579,535
Total Shares and Deposits < 1 Year
60,969,914
Total Shares and Deposits 1 3 Years
2,091,466
Total Shares and Deposits > 3 Years
518,155
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,384,415
Total Uninsured Shares and Deposits > $250K (F+J)
1,384,415
Total Insured Shares and Deposits > $250K (item 17 less item K)
62,195,120
Total Interest Expense (Sum of items 6 8)
233,833
Share Certificates
411
Number of Accounts for Share Drafts
2,664
IRA KEOGH Accounts
144
Number of Accounts for Regular Shares
6,132
All other shares
748
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,039,455
Total Liabilities
63,998,724
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Midwest Regional Credit Union earned the Verified Strong badge

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Customer Reviews

There are no reviews for Midwest Regional 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 Midwest Regional Credit Union

How many branches does Midwest Regional Credit Union operate?

Midwest Regional 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 Midwest Regional Credit Union?

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

Does Midwest Regional Credit Union offer online and mobile banking?

Most modern institutions like Midwest Regional 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.mrcu.com.

Current Midwest Regional Credit Union Rates

  • 12-Month CD3.64%
  • 24-Month CD3.49%
  • 60-Month CD3.00%
Retrieved from our database of financial products. Rates subject to change.

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