Credit union · NCUA insured
Mid American Credit Union
A $521M credit union headquartered in Wichita, KS, with 47,000 members and 9 branches in Kansas. Best rates: CDs 0.40% and savings 0.30% APY.
Mid American Credit Union Carrot Score
79
Carrot Score
Higher than 48% of U.S. banks and credit unions
#10 of 39 in Wichita, KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Mid American Credit Union
Chartered in 1936 as Kansas Federal Credit Union to serve credit union employees, volunteers, and their families, the institution converted to a state charter and became Mid American Credit Union in 1979.
Headquartered in Wichita, Kansas, the credit union serves 42 Kansas counties along with employer groups and members nationwide.
- Headquarters
- 8404 W Kellogg Dr, Wichita, KS 67209-1845
- NCUA charter
- 65378
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in one of the 42 served Kansas counties are eligible to join.
Employers and groups
- Members of Consumer United Program and employees of a company that is a member of Consumer United Program are eligible to join.
- Employees and retirees of a company or organization with a permanent office in the state of Kansas are eligible to join.
Family and household
- Family members of a Mid American Credit Union member (spouse, parent, stepparent, grandparent, child, step-child, foster child, sibling, grandchild or former spouse) are eligible to join.
Cost to join
- Membership requires opening a Basic Membership Savings Account and making a small deposit.
Branches
9 branches in Kansas
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Kansas
9 branches
Wichita area · 5
- Main OfficeMain office8404 W Kellogg Dr, Wichita, KS 67209Directions
- East Branch513 S Oliver Ave, Wichita, KS 67218Directions
- NE Branch Office2993 N Webb Rd, Wichita, KS 67226Directions
- Sedgwick County525 N Main St, Wichita, KS 67203Directions
- South Branch Office2433 W 31st St S, Wichita, KS 67217Directions
Arkansas City area · 1
- Arkansas City Branch1610 N Summit St, Arkansas City, KS 67005Directions
Larned area · 1
- Larned114 W 5th St, Larned, KS 67550Directions
Lawrence area · 1
- Lawrence Branch550 N Wakarusa Dr, Lawrence, KS 66049Directions
Kansas City area · 1
- Overland Park Branch9201 W 87th St, Overland Park, KS 66212Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.94% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.47% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $111 | $76 | — |
- CapitalNet worth ratio8.94%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.47%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$111Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Mid American Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.