Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Central Missouri
Chartered in 1961, K C Area Credit Union has served the financial needs of residents across Johnson, Pettis, Ray, Carroll, Lafayette, and Henry counties, as well as Excelsior Springs. With three full-service branches in Warrensburg, Sedalia, and Richmond, we provide personalized banking solutions to nearly 15,000 members. Our institution operates with a member-first philosophy, offering competitive rates on savings, checking, and loan products while maintaining over $100 million in assets. We prioritize community engagement through educational resources and financial literacy programs. Our 24/7 digital services, including mobile banking and online bill pay, ensure convenient access to accounts.As a federally insured credit union regulated by the National Credit Union Administration, we combine local expertise with modern financial tools. Our team of professionals is dedicated to helping members achieve their financial goals through tailored solutions. We maintain partnerships with over 100 local employers and organizations to expand our service reach. Through shared branching networks, we provide nationwide access to banking services beyond our physical locations. Our commitment to innovation is demonstrated through features like mobile deposit and interactive financial calculators.
Services
Free Personal Checking
Share Certificates
Mortgage Services
Mobile App
Safe Deposit Boxes
Student Loan Refinance
Visa Credit Cards
Home Equity Loans
Online Bill Pay
Shared Branching
Details
- Year established: 1961
Highlights and features
- We offer 24/7 digital banking access through our mobile app and online services
- Our free personal checking account has no monthly maintenance fees
- We provide multiple savings options including Christmas Club and IRA accounts
- Our mortgage services feature competitive rates for home ownership dreams
- We serve over 100 local employers and organizations with specialized financial solutions
Associations and certifications
- National Credit Union Administration
- Credit Union National Association (CUNA)
Services
Free Personal Checking
Our no-fee personal checking account provides unlimited check writing privileges with free online bill pay. Members enjoy convenient access through ATMs, mobile banking, and our three Missouri branch locations. The account includes overdraft protection options and free debit card issuance.
Share Certificates
We offer competitive-rate share certificates with terms ranging from 6 months to 5 years. These fixed-rate savings vehicles help members grow their money securely while maintaining NCUA insurance coverage up to $250,000.
Mortgage Services
Our mortgage lending team provides fixed and adjustable-rate home loans with competitive terms up to 30 years. We offer purchase loans, refinancing options, and home equity lines of credit with personalized rate quotes and dedicated loan specialists.
Mobile App
The CMCCU Mobile App enables 24/7 account access with features like mobile deposit, bill payment, account transfers, and real-time balance monitoring. Available for iOS and Android devices with secure login options.
Safe Deposit Boxes
We provide secure storage solutions in four sizes (3"x5" to 10"x10") for important documents and valuables. Boxes available at Warrensburg and Sedalia branches with annual rental fees starting at $25 and key replacement services.
Questions
How can I become a member?
Membership is open to residents of six Missouri counties, employees of 100+ partner employers, and their family members. Visit any branch or apply online to start the process.
What digital banking services do you offer?
We provide mobile banking with deposit capture, online bill pay, eStatements, and 24/7 account access through our Virtual Branch platform and mobile app.
Are my deposits insured?
Yes, all accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency protecting credit union members.
What loan types are available?
We offer personal loans, home equity lines, mortgage loans, student loan refinancing, and credit cards with competitive rates for qualified applicants.
Do you have 24/7 customer support?
Our Audio Response system provides 24/7 account access at (877) 947-0397, with live support available during branch hours and emergency card assistance available around the clock.