Credit union · NCUA insured
KC Area Credit Union
A $11.5M credit union headquartered in Kansas City, MO, with 1,937 members and 3 branches in 2 states.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KC Area Credit Union
Formed in 1946, KC Area Credit Union serves government employees working in Johnson and Wyandotte counties in Kansas, as well as Jackson and Clay counties in Missouri.
The credit union maintains offices in Kansas City, Missouri and Kansas City, Kansas.
- Headquarters
- 601 E 12th St Rm G-61, Kansas City, MO 64106
- NCUA charter
- 64939
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in, work in, or are paid from Wyandotte County, KS are eligible for membership.
Employers and groups
- Any person employed in the Richard A. Bolling Federal Building (601 E. 12th Street, KCMO), the DOT office building (901 Locust, KCMO), or the U.S. Federal Courthouse (400 E. 9th St, KCMO) is eligible for membership.
- Employees of Certain-Teed Corp, Afroquip-Guston Bacon Division, Russell Stover Candies Inc and subsidiaries, Simmons Mattress Co, and Civacon (formally known as Knappco) are eligible for membership.
Military, government and schools
- Employees, current and retired, of the city, state, local and federal government who work in offices in Johnson County, KS; Wyandotte County, KS; Jackson County, MO; or Clay County, MO are eligible for membership.
Family and household
- Spouses, children, brothers, sisters, parents, and grandchildren of eligible members, current or retired, are eligible for membership.
Other ways
- All other Credit Unions chartered in the State of Missouri are eligible for membership.
Branches
3 branches in 2 states
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Missouri
2 branches
- K C Area Credit UnionMain office601 E 12th St Rm G-61, Kansas City, MO 64106Directions
- Summit Ridge Credit Union3485 NE Ralph Powell Rd, Lee's Summit, MO 64064Directions
Kansas
1 branch
- -Fairfax Branch1401 Fairfax Trfy Ste 100E, Kansas City, KS 66115Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.20% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.09% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.22% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio17.20%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.09%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.22%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KC Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.