Credit union · NCUA insured
SM Federal Credit Union
A $77.8M credit union headquartered in Mission, KS, with 2,364 members and 2 branches in Kansas. Best rates: CDs 4.06% and savings 0.50% APY.
SM Federal Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#48 of 79 in Kansas City, MO-KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SM Federal Credit Union
Founded in 1960 as SM Postal Federal Credit Union in Mission, Kansas, SM Federal Credit Union is a member-owned cooperative financial institution.
The credit union amended its charter in 1974 to serve Federal Aviation Administration employees in Olathe and adopted its current name in 1998.
- Headquarters
- 6029 BROADMOOR St, Mission, KS 66202-9995
- NCUA charter
- 13941
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Federal Aviation Administration in the Kansas City Metro area are eligible for membership.
- Employees of the US Postal Service in Johnson or Wyandotte Counties are eligible for membership.
Family and household
- Immediate family members of a member—defined as persons related by blood, marriage, or other recognized family relationship in the same household, or non-household grandparents, parents, spouses, siblings, children, or grandchildren—are eligible for membership.
Cost to join
- Joining requires a minimum deposit of $25.00 returned with a completed signature card.
Branches
2 branches in Kansas
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Kansas
2 branches
- Main OfficeMain office6029 BROADMOOR St, Mission, KS 66202Directions
- Branch250 S Rogers Rd, Olathe, KS 66062Directions
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 | 19.98% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio19.98%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ 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 SM Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.