Credit Unions in Kansas City, MO & KS
All 43 credit unions with branches in the Kansas City metro, who can join each one, and today's best credit union rates ranked against KC banks. Right now credit unions beat banks on 1-year CDs, 3.86% to 3.14% on average. Updated daily, ranked by rate, never by advertising.
Best credit union rates in Kansas City today
1-year CD · 4 credit unions
NF
Navy Federal Credit Union
4.35%
CommunityAmerica Credit Union
3.75%
Mazuma Credit Union
3.70%
All KC 1-year CD rates →Savings · 4 credit unions
Mainstreet Credit Union
5.25%
Truity Credit Union
3.00%
Mazuma Credit Union
0.25%
All KC savings rates →Money market · 4 credit unions
CommunityAmerica Credit Union
3.45%
Mazuma Credit Union
3.00%
Mainstreet Credit Union
1.20%
All KC money market rates →Checking · 2 credit unions
Mazuma Credit Union
0.17%
Mainstreet Credit Union
0.10%
All KC checking rates →Credit unions vs banks in KC
| Product | Credit unions avg | Banks avg |
|---|---|---|
| 1-year CD | 3.86% | 3.14% |
| Savings | 2.19% | 1.69% |
Averages of every published rate we track in the KC metro. Individual institutions vary widely; the ranked lists above show who actually pays the most.
How to join a credit union in Kansas City
- Check eligibility. Community-charter credit unions take anyone who lives or works in the metro. Employer or association credit unions need a qualifying job, church or union.
- Open a share savings account. That is your membership. The minimum is usually $5 to $25 and it stays in the account.
- Then open the product you came for. CDs, checking and loans are available once you are a member. Rates are the same for new and existing members.
Deposits are NCUA-insured to $250,000 per member, the credit union equivalent of FDIC insurance.
All 43 Kansas City credit unions
Sorted by how many rates each publishes online, then by branches. Credit unions without published rates quote in-branch; we list them so you know they exist.
CommunityAmerica Credit Union
34 KC branches · Johnson, KS, Platte, MO, Clay, MO, Jackson, MO +3
Who can joinAnyone who lives or works in the Kansas City metro.
Mazuma Credit Union
11 KC branches · Jackson, MO, Clay, MO, Cass, MO, Johnson, KS
Who can joinAnyone who lives or works in the Kansas City metro.
Mainstreet Credit Union
9 KC branches · Johnson, KS, Leavenworth, KS, Clay, MO, Wyandotte, KS
Who can joinPeople who live, work or worship in its Kansas and Missouri service counties, including Johnson and Wyandotte.
NF
Navy Federal Credit Union
1 KC branch · Leavenworth, KS
Who can joinActive and retired military, Department of Defense staff, veterans and their families.
Azura Credit Union
3 KC branches · Johnson, KS
Who can joinKansas residents and workers; check the join page for your county.
Truity Credit Union
1 KC branch · Johnson, KS
Who can joinOpen to most people through a partner association; check the join page.
PS
Public Safety
5 KC branches · Jackson, MO, Clay, MO, Johnson, KS
Who can joinPublic-safety employees and their families in the KC area.
rates quoted in-branch
UC
United Consumers
4 KC branches · Jackson, MO, Johnson, KS
Who can joinMembership rules are set by United Consumers; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
BE
Bluescope Employees'
3 KC branches · Jackson, MO
Who can joinMembership rules are set by Bluescope Employees'; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
Frontier Community Credit Union
3 KC branches · Leavenworth, KS, Johnson, KS
Who can joinPeople who live or work in the Leavenworth area.
HR
Holy Rosary
3 KC branches · Jackson, MO
Who can joinMembership rules are set by Holy Rosary; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
KC
Kansas City
3 KC branches · Clay, MO, Jackson, MO
Who can joinSelect employer groups and KC-area residents; check the join page.
rates quoted in-branch
KA
KC Area
3 KC branches · Jackson, MO, Johnson, KS, Wyandotte, KS
Who can joinMembership rules are set by KC Area; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
CC
Central Communications
2 KC branches · Jackson, MO, Clay, MO
Who can joinMembership rules are set by Central Communications; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
C
CSD
2 KC branches · Jackson, MO, Clay, MO
Who can joinMembership rules are set by CSD; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
FI
Farmers Insurance
2 KC branches · Johnson, KS
Who can joinMembership rules are set by Farmers Insurance; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
K
K.U.M.C.
2 KC branches · Johnson, KS, Wyandotte, KS
Who can joinMembership rules are set by K.U.M.C.; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
RG
R G
2 KC branches · Cass, MO
Who can joinMembership rules are set by R G; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
RS
Raytown-Lee'S Summit Community
2 KC branches · Jackson, MO
Who can joinMembership rules are set by Raytown-Lee'S Summit Community; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
R
Reliance
2 KC branches · Wyandotte, KS
Who can joinMembership rules are set by Reliance; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
S
SM
2 KC branches · Johnson, KS
Who can joinMembership rules are set by SM; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
SR
Summit Ridge
2 KC branches · Johnson, KS, Jackson, MO
Who can joinMembership rules are set by Summit Ridge; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
1M
1st Midamerica
1 KC branch · Jackson, MO
Who can joinMembership rules are set by 1st Midamerica; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
B
B&V
1 KC branch · Johnson, KS
Who can joinMembership rules are set by B&V; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
BN
Burlington Northtown Community
1 KC branch · Clay, MO
Who can joinMembership rules are set by Burlington Northtown Community; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
CF
Catholic Family
1 KC branch · Jackson, MO
Who can joinMembership rules are set by Catholic Family; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
C
City
1 KC branch · Jackson, MO
Who can joinMembership rules are set by City; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
DM
Del Met
1 KC branch · Johnson, KS
Who can joinMembership rules are set by Del Met; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
IT
Independence Teachers
1 KC branch · Jackson, MO
Who can joinMembership rules are set by Independence Teachers; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
I
Interfaith
1 KC branch · Jackson, MO
Who can joinMembership rules are set by Interfaith; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
KC
K C K Firemen & Police
1 KC branch · Wyandotte, KS
Who can joinMembership rules are set by K C K Firemen & Police; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
KF
KC Fairfax
1 KC branch · Wyandotte, KS
Who can joinMembership rules are set by KC Fairfax; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
KU
KC Unidos
1 KC branch · Jackson, MO
Who can joinMembership rules are set by KC Unidos; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
MA
Mid American
1 KC branch · Johnson, KS
Who can joinMembership rules are set by Mid American; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
MR
Midwest Regional
1 KC branch · Wyandotte, KS
Who can joinMembership rules are set by Midwest Regional; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
MC
Missouri Central
1 KC branch · Jackson, MO
Who can joinMembership rules are set by Missouri Central; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
N
Nova
1 KC branch · Johnson, KS
Who can joinMembership rules are set by Nova; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
QH
Quindaro Homes
1 KC branch · Wyandotte, KS
Who can joinMembership rules are set by Quindaro Homes; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
RD
Roberts Dairy Employees
1 KC branch · Johnson, KS
Who can joinMembership rules are set by Roberts Dairy Employees; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
US
U S P L K Employees
1 KC branch · Leavenworth, KS
Who can joinMembership rules are set by U S P L K Employees; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
UL
United Labor
1 KC branch · Jackson, MO
Who can joinMembership rules are set by United Labor; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
UO
Unity One
1 KC branch · Wyandotte, KS
Who can joinMembership rules are set by Unity One; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
W
Wedevelopment
1 KC branch · Jackson, MO
Who can joinMembership rules are set by Wedevelopment; most KC credit unions accept anyone who lives or works nearby. Check its join page.
rates quoted in-branch
Credit unions by county
Kansas City credit union FAQ
How many credit unions are in Kansas City?+
KCBanks tracks 43 credit unions with branches in the Kansas City metro, on both the Missouri and Kansas sides. 6 of them publish deposit rates online; the rest quote rates in-branch.
Can anyone join a credit union in Kansas City?+
Almost. The largest KC credit unions, including CommunityAmerica and Mazuma, have community charters that let anyone who lives or works in the metro join. Smaller ones serve specific employers, unions, churches or neighborhoods. Joining usually means opening a savings account with $5 to $25.
Do Kansas City credit unions pay better rates than banks?+
On 1-year CDs, KC credit unions currently average 3.86% against 3.14% at KC banks. It varies by product and by institution, which is why KCBanks ranks every published rate side by side.
Are credit union deposits insured?+
Yes. Credit unions are insured by the NCUA up to $250,000 per member, per institution, per ownership category, the same federal protection banks get from the FDIC.
What is the best credit union in Kansas City?+
For rates, Navy Federal Credit Union currently has the highest credit union 1-year CD in KC at 4.35%. For branches, CommunityAmerica has the most locations. The best one for you depends on which product you need; compare by product on KCBanks.