K.C. Area Credit Union Kansas City MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to K.c. Area, your trusted partner in financial success! Located at 601 E 12Th St Rm G61, Kansas City, MO 64106, we have proudly served our community since 1946. As a member-focused credit union, we prioritize your financial well-being above all else, offering personalized services tailored to meet your needs. At K.c. Area, we believe that every member deserves access to comprehensive banking solutions. With a total membership of 2,085 and assets exceeding $10,880,687, we are committed to providing exceptional financial products, including personal and auto loans, checking and savings accounts, and business banking services. Our total deposits stand at an impressive $1,184,748, reflecting the trust our members place in us. Our leadership team is dedicated to fostering a welcoming environment for all members. Under the guidance of our CEO, Elisha Churchill, and Board President Josef Gunter, we strive to enhance your banking experience while contributing positively to the community. While you can reach us directly at 816-936-5050 for any inquiries or assistance you may need, official correspondence should be sent to our mailing address: PO Box 15566, Kansas City, MO 64106. Join us today and discover how we can help you achieve your financial goals! Visit our website at KCAREACU.COM for more information or to explore the various services we offer. Your journey towards financial empowerment starts here!

Branch History & Mission

Welcome to K.c. Area, a credit union with a rich legacy that began in 1946. Since our inception, we have been dedicated to serving the community of Kansas City, MO, and surrounding areas. Our branch is located at 601 E 12Th St Rm G61, Kansas City, MO 64106, a central location that makes it convenient for our members to access essential financial services. Over the years, K.c. Area has grown significantly. We proudly serve over 2,085 members and manage total assets of approximately $10,880,687. Our journey has been marked by milestones that reflect our commitment to providing exceptional service and support to our community. From expanding our loan offerings to enhancing our digital banking capabilities, we strive to meet the evolving needs of our members. At K.c. Area, our mission is straightforward yet profound: to empower our members financially while fostering a sense of community. We believe in providing not just financial products like personal banking services, auto loans, and mortgages but also in creating opportunities for education and outreach within the community. This commitment drives us to partner with local organizations and initiatives that promote financial literacy and overall well-being. While members can visit us at 601 E 12Th St Rm G61 Kansas City Mo 64106, official correspondence should be sent to PO Box 15566, Kansas City, MO 64106. We invite everyone to experience the friendly service and support that sets us apart from traditional banks. Our operating hours are Monday through Friday from 7:30 AM to 3:00 PM, making it easy for you to stop by or reach out at 816-936-5050. K.c. Area is equipped with ATM services for your convenience; however, we do not currently offer drive-thru banking or shared service centers. We are committed to maintaining ADA compliance and ensuring that all members can access our facilities easily. Join us on this journey as we continue to grow and adapt while staying true to our roots in Kansas City. Become part of the K.c. Area family today and discover how we can help you achieve your financial goals! Visit us online at KCAREACU.COM for more information on membership eligibility and services offered.

Branch Location & Accessibility

Accessibility and Parking

At K.c. Area, we understand that accessibility is important. Our branch is ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably. There's ample parking available, making it easy for you to stop by without any hassle.

Operating Hours

We're here for you Monday through Friday from 7:30 AM to 3:00 PM. Our friendly staff is ready to assist you during these hours, ensuring that your banking experience is smooth and enjoyable.

Services Offered

As a member of K.c. Area, you'll enjoy a variety of services tailored to meet your needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got something for everyone. Plus, with ATM availability on-site, accessing your funds has never been easier! While we do not offer drive-thru service, our team is dedicated to providing personalized support inside the branch. Whether you're looking for advice on loans or need assistance with your account, we're just a phone call away at (816) 936-5050.

Visit Us Today!

We invite you to come by and experience the friendly service at K.c. Area. Whether you're new to the area or have been around for years, we're excited to help you achieve your financial goals. Don't hesitate to reach out or stop by today!

Member Eligibility

At K.c. Area, we believe that becoming a member is like joining a caring family where everyone looks out for one another. If you're interested in joining us, the eligibility requirements are designed to be welcoming and straightforward. Generally, anyone who lives, works, or worships in the Kansas City area can become a member. This means that if you're part of our vibrant community, you're likely eligible! You can find all the specific details about who qualifies by visiting our website at https://kcareacu.com/about/. Joining K.c. Area not only opens the door to a variety of financial services tailored to your needs but also connects you with a supportive network committed to your financial well-being. Opening an account is easy and hassle-free; simply give us a call at (816) 936-5050 or stop by our branch at 601 E 12Th St Rm G61 Kansas City Mo 64106 during our operating hours. We're excited to welcome you into our community!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not funded any member or non-member commercial loans, we are dedicated to creating opportunities for local entrepreneurs. If you're looking for a partner to help you navigate the financial landscape of business, K.c. Area is ready to assist.

Real-World Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what matters running your business. Imagine being able to accept payments easily from customers while enjoying lower transaction fees compared to larger banks. We aim to provide you with the tools necessary for efficient cash flow management and improved customer experience. Located at 601 E 12Th St Rm G61 Kansas City Mo 64106 in Kansas City, MO, we're just a call away at (816) 936-5050. Whether you're starting out or looking to expand, let us be your trusted partner in success.

Comprehensive List Of Services

ATM Access

If you need cash on the go, take advantage of our ATM & Cash Withdrawal Services available at various locations. Basic ATM access allows for quick withdrawals and balance checks without the hassle. At K.c. Area Credit Union, we understand that each member's journey is unique. That's why we're committed to providing personalized service that meets your specific financial goals. Have questions or need assistance? Call us at 816-936-5050 or visit us at our branch in Kansas City. We invite you to explore all that we have to offer and see how K.c. Area can support your financial journey!

Business Banking Services

For our entrepreneurial members, we offer comprehensive Business Banking solutions including Merchant Services and Business Loans. This means you can focus on growing your business while we handle your financial needs.

Credit Cards That Reward You

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and earn rewards that can benefit you later whether it's cash back or travel points, we want you to enjoy the perks of being a member.

Digital Banking Convenience

In today's world, convenience is key. That's why we provide robust Online & Mobile Banking features that allow you to manage your accounts anywhere, anytime. Our mobile app makes it easy to check balances, transfer funds, and even send money to friends through Person-to-Person payments.

Home Financing Made Simple

Thinking about buying a home? Our Mortgage Loans & Refinancing options provide you with the support and resources necessary for making informed decisions about homeownership. With expert guidance from our staff, navigating the mortgage process becomes less daunting.

Personal Banking Solutions

Managing your day-to-day finances is easier with our personal banking services. We offer Checking & Savings Accounts designed to fit your lifestyle. Imagine having easy access to your funds while earning interest on savings our accounts make it simple and rewarding. When it comes time for big purchases, our Auto Loans & Vehicle Financing can help you hit the road in no time, offering competitive rates and flexible terms.

Personal Loans for Every Need

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services are here to help you manage those costs effectively. Whether it's for medical bills, home repairs, or consolidating debt into one easy payment, we've got you covered.

Digital & Online Banking

Key Services Offered

With our online banking platform available at https://KCAREACU.COM/, you can easily check balances, pay bills, and manage your accounts from the comfort of your home or on the go. If you're looking for an eco-friendly option, our e-statements are readily available, making it simple to stay organized while reducing paper waste. Plus, with our user-friendly mobile application, accessing your account has never been easier. Need to send money quickly? Our person-to-person transfer feature allows you to easily send funds to friends or family without hassle. Just a few taps on your smartphone, and you're done! Although we don't currently offer mobile payments, we're focused on providing you with the best tools for managing your financial needs.

Security and Accessibility

At K.c. Area, security is our top priority. While we do not currently use electronic signature authorization for transactions, rest assured that we employ strong safeguards to keep your information safe. Our 24/7 online banking service ensures that you have round-the-clock access to manage your finances securely. Whether you're checking balances late at night or making transfers during lunch breaks, our online banking services are built with you in mind. Enjoy peace of mind knowing that no matter where life takes you, your finances are just a click away!

Financial Strength

At K.c. Area, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that in today's ever-changing economy, knowing your financial institution is strong can provide peace of mind. With a net worth of $1,839,032, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 16.90% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Members' savings are secured through $6,458 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $725,109 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is significant, with $37,485 in used auto loans and a total of $54,666 in loans and leases, supporting members' financial goals across various sectors. Our operational efficiency shines through with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 2,767, showing a strong and growing member base that trusts us with their finances. This robust membership reflects the confidence our community has in K.c. Area as a reliable partner for their financial needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, K.c. Area is your trusted partner. Visit us at 601 E 12Th St Rm G61 Kansas City Mo 64106 or call 816-936-5050 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

In addition to these loan products, K.c. Area provides various financial services including personal banking accounts and business banking solutions. Whether you need merchant services or business loans, we're here to support your financial journey. If you're ready to explore our loan offerings or have questions about eligibility criteria, please give us a call at 816-936-5050 or visit us at 601 E 12Th St Rm G61 Kansas City Mo 64106. For more information on our services and how we can assist you in achieving your financial goals, visit us online at KCAREACU.COM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,163,508 in used vehicle loans and $773,742 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, making it easy for you to drive away in the car you want.

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify the process of buying or refinancing a home. Currently, we offer Junior Lien 1-4 Family Residential Properties loans totaling $0, which can be a great way to make your dream of owning a home a reality. If you're considering refinancing your existing mortgage, don't hesitate to reach out; our team is here to guide you through eligibility options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although our total for these loans currently stands at $0, we aim to help our members manage their finances effectively. Our credit card products come with competitive rates and no hidden fees.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information you receive is up-to-date and reliable.

K.C. AREA CREDIT UNION - Kansas City, MO

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