Business Details
50+ Years
experience
Your Trusted Financial Partner in Kansas City, KS
Midwest Regional Credit Union has served Eastern Kansas and Jackson County, Missouri since 1938, evolving from the Teachers Credit Union to a full-service financial institution. We operate as a member-owned cooperative, prioritizing community needs through savings accounts, loans, and financial education. Our NCUA-insured services include auto loans, student loans, credit builder programs, and personalized banking solutions. With two physical locations in Kansas City and Lawrence, we combine local expertise with modern financial tools like surcharge-free ATMs and digital banking platforms.Our mission focuses on empowering members through responsible lending practices, financial literacy initiatives, and community reinvestment. The credit union maintains transparent fee structures, 24/7 account access, and specialized services like safe deposit boxes and wire transfers. Our volunteer board ensures member-driven governance while maintaining federal compliance standards. Through strategic expansions and technology integration, we continue serving over 85 years as a trusted financial partner in the region.
Services
Auto Loans
Student Loans
Credit Builder Loans
Savings Accounts
Checking Accounts
Wire Transfers
ATM Services
Online Banking
Safe Deposit Boxes
Financial Counseling
Details
- Year established: 1938
Highlights and features
- We've served Kansas communities since 1938 with financial expertise
- Member-owned cooperative structure prioritizes customer needs over profits
- NCUA federal insurance protects accounts up to $250,000
- Local decision-making with volunteer board representation
- Comprehensive financial education resources for members
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We offer competitive auto loan programs for new and used vehicle purchases. Our financing options include fixed-rate terms up to 72 months with no prepayment penalties. Members receive personalized rate quotes based on credit history and loan-to-value ratios.
Student Loans
Our student loan programs provide funding for undergraduate and graduate education expenses. We offer fixed interest rates with flexible repayment options including deferred payments during schooling. Loan amounts range from $1,000 to full cost-of-attendance coverage.
Savings Accounts
We provide federally insured savings accounts with tiered interest rates. Minimum $25 opening deposit earns ownership shares in the cooperative. Accounts include free online access and bill payment capabilities with no monthly maintenance fees.
Credit Builder Loans
These secured loans help establish or rebuild credit histories. Loan amounts from $500 to $2,500 are held in certificate accounts while payments build positive credit reports. Terms available from 6 to 24 months with fixed interest rates.
Online Banking
Our 24/7 digital platform enables account management, bill payments, and fund transfers. Features include mobile check deposit, transaction alerts, and budgeting tools. Security measures include multi-factor authentication and encrypted communications.
Questions
How do I become a member?
You qualify by living or working in designated Kansas counties or Jackson County, Missouri. Maintain minimum share requirements and meet credit criteria.
What loan types do you offer?
We provide auto loans, student loans, credit builder loans, signature loans, and mortgage financing options for qualified members.
Are accounts federally insured?
Yes, all deposits receive NCUA insurance up to $250,000 per ownership category through our federal charter.
Do you have mobile banking?
Our mobile app provides 24/7 account access with features like mobile check deposit, bill payment, and real-time transaction alerts.
What are your branch hours?
Main office open Monday-Friday 8am-6pm drive-up, Saturday 8am-1pm. Lawrence office Monday-Friday 8:30am-5:30pm with Saturday morning availability.
How do I report lost cards?
Contact our 24-hour card services at 1-800-554-8969 for immediate debit/credit card replacement assistance.
