1111 E 23RD ST S
Independence, MO 64055
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.40% →
1-Year CD 0.55% 1.15% →
2-Year CD 0.75% 1.26% →
5-Year CD 1.21% 1.60% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

United Consumers is an NCUA insured institution located in Independence, MO. It was founded in 1941 and has approximately $147.68 millions in assets.

NCUA Insured Yes
Charter Number # # 68410
Date Established 1941
Assets $147.68 million
Loans $83.20 million
Deposits $129.49 million
Capital $16.41 million

Field of Membership Restrictions

Membership is open to those who live, worship or work in Johnson County, Kansas or live in Jackson, Buchanan, Clay, or Cass Counties and the city of Cameron.Missouri.

Deposit Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $9,999 Learn More
Money Market
0.10% $10,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.45% $500 $24,999 Learn More
6 Mo CD
0.45% $75,000 - Learn More
12 Mo CD
0.55% $500 $24,999 Learn More
12 Mo CD
0.55% $75,000 - Learn More
18 Mo CD
0.60% $500 $24,999 Learn More
18 Mo CD
0.60% $75,000 - Learn More
24 Mo CD
0.75% $500 $24,999 Learn More
24 Mo CD
0.75% $75,000 - Learn More
30 Mo CD
0.80% $500 $24,999 Learn More
30 Mo CD
0.80% $75,000 - Learn More
36 Mo CD
0.95% $500 $24,999 Learn More
36 Mo CD
0.95% $75,000 - Learn More
48 Mo CD
1.11% $500 $24,999 Learn More
48 Mo CD
1.11% $75,000 - Learn More
60 Mo CD
1.21% $500 $24,999 Learn More
60 Mo CD
1.21% $75,000 - Learn More
Variable IRA Rates APY MIN MAX
0.05% $2,000 $4,999 Learn MoreShow Less
Fixed IRA
0.55% $500 $24,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - July 3, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNITED CONSUMERS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

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Below are United Consumers branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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United Consumers Locations

Financial Details

United Consumers Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United Consumers. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
United Consumers U.S. Average
4.54% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, United Consumers had $476,474 in non-current loans and $324,948 in owned assets. To cover these potential losses it had $16,411,813 in net worth and $1,250,894 in loans loss reserves. That gives it a Texas Ratio of 4.54%.

Net Worth
United Consumers U.S. Average
11.11% 13.86%

United Consumers FCU has a net worth of 11.11% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United Consumers

Branches and Savings

What is United Consumers?

A federal credit union, registered with the NCUA under certificate #68410.
Learn more about credit unions here.

Is United Consumers FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United Consumers?

Please see Field of Membership information above for information on who is eligible to join.

What are United Consumers's share account and share certificate rates?

United Consumers's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United Consumers?

United Consumers has total capital of $16.41 million. Full information on United Consumers's financial position is located above.

Who owns United Consumers?

Credit Unions are owned by their members.

Where are United Consumers branches located?

See branch locations nearby.

Are United Consumers ATMs Open 24/7?

Do United Consumers ATMs accept cash deposits?

Can United Consumers customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United Consumers have a mobile app?

Does United Consumers have mobile deposit?

Does United Consumers have quick pay?

How can United Consumers transfer money to other banks or credit unions?

Does United Consumers report to credit bureaus?

Does United Consumers use Chexsystems?

Does United Consumers use Equifax?

What is United Consumers's toll free phone number?

What is United Consumers's ACH Routing Number?

What is United Consumers's SWIFT code?

Where can I find United Consumers's wire transfer form?

What is the United Consumers address for deposits?

What Products Does United Consumers Offer

Does United Consumers offer mortgages?

Compare mortgage rates here.

Does United Consumers offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United Consumers offer auto and RV loans?

Compare auto loan rates here.

Does United Consumers offer student loans or personal loans?

Compare personal loan rates here.

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