Credit union · NCUA insured
United Consumers Credit Union
Top CarrotA $216.5M credit union headquartered in Independence, MO, with 16,726 members and 4 branches in 2 states. Best rates: CDs 4.20% and savings 3.00% APY.
United Consumers Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#11 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 United Consumers Credit Union
Established in 1941, United Consumers Credit Union is a member-owned cooperative financial institution.
The credit union operates branch locations in Independence, Raytown, and St. Joseph, Missouri, as well as Olathe, Kansas.
- Headquarters
- 1111 E 23rd St S, Independence, MO 64055
- NCUA charter
- 68410
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligible to join if you live, work, worship, or attend school in Johnson County or Wyandotte County, Kansas.
- Eligible to join if you live or work in Jackson, Buchanan, Cass, Clay, Johnson, Lafayette, Platte, or Ray County, Missouri.
Employers and groups
- Eligible to join as an employee or retiree of partner Select Employee Groups across Health & Home Care, Industrial Business, Religious, Retirement Community, and Specialty Business groups.
Military, government and schools
- Eligible to join as an employee or retiree of affiliated Educational Groups including Adam & Eve Cosmetology, Fort Osage School District, and Kids Kastle.
- Eligible to join as an employee or retiree of qualifying City, County, & Government groups, including United States Government Employees, Active and Reserve Military and veterans (including affiliated organizations), Postal Employees, and participating city and county governments.
Family and household
- Immediate family members of current accountholders and eligible persons (including spouse, sibling, parent, grandparent, child, or grandchild) are eligible to join.
Cost to join
- Membership requires maintaining a $5 balance (one share) in a share savings account.
Branches
4 branches in 2 states
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Missouri
3 branches
Kansas City area · 2
- SavageMain office1111 E 23rd St S, Independence, MO 64055Directions
- Raytown8730 E 63rd St, Raytown, MO 64133Directions
St. Joseph area · 1
- South Belt724 N Belt Hwy, St. Joseph, MO 64506Directions
Kansas
1 branch
- Olathe1105 W Dennis Ave, Olathe, KS 66061Directions
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 | 11.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.17% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.08% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $83 | $76 | — |
- CapitalNet worth ratio11.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.17%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.08%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$83Peers’ 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 United Consumers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.