United Consumers Credit Union
Headquarters
1111 E 23rd St S
Independence, MO 64055
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2024 Overview
General Credit Union Information
United Consumers is an NCUA insured institution located in Independence, MO. It was founded in 1941 and has approximately $206.59 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68410 |
| Date Established | 1941 |
| Assets | $206.59 million |
| Loans | $145.35 million |
| Deposits | $174.35 million |
| Capital | $22.36 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 - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
|
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $9,999 |
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|
|
Money Market
|
0.10% | $10,000 | $49,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $500 | $24,999 |
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|
| 6 Mo CD
|
0.45% | $75,000 | - |
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|
| 12 Mo CD
|
0.55% | $500 | $24,999 |
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|
| 12 Mo CD
|
0.55% | $75,000 | - |
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|
| 18 Mo CD
|
0.60% | $500 | $24,999 |
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|
| 18 Mo CD
|
0.60% | $75,000 | - |
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|
| 24 Mo CD
|
0.75% | $500 | $24,999 |
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|
| 24 Mo CD
|
0.75% | $75,000 | - |
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|
| 30 Mo CD
|
0.80% | $500 | $24,999 |
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|
| 30 Mo CD
|
0.80% | $75,000 | - |
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|
| 36 Mo CD
|
0.95% | $500 | $24,999 |
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|
| 36 Mo CD
|
0.95% | $75,000 | - |
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|
| 48 Mo CD
|
1.11% | $500 | $24,999 |
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|
| 48 Mo CD
|
1.11% | $75,000 | - |
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|
| 60 Mo CD
|
1.21% | $500 | $24,999 |
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|
| 60 Mo CD
|
1.21% | $75,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1,000 | - | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2262032 License#: RM.804810.000 |
6.368% | 6.250% | 0.75 | $4,000 | $1,971 | Learn More |
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.482% | 6.375% | 0.75 | $3,610 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to United Consumers
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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.
Your Location:
Columbus,Ohio
United Consumers Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 606.11 | A | View Lobby Hours | |
| 607.34 | B | View Lobby Hours | |
| 608.24 | C | View Lobby Hours | |
| 608.25 | D | View Lobby Hours | |
| 612.17 | E | View Lobby Hours | |
| 625.80 | F | View Lobby Hours | |
| 630.68 | G | View Lobby Hours | |
| 1528.46 | H | View Lobby Hours |
Climate Policy and Initiatives
UNITED CONSUMERS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 3.31% | 5.83 |
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 June 30, 2024, United Consumers had $620,750 in non-current loans and $152,185 in owned assets. To cover these potential losses it had $22,359,714 in net worth and $986,748 in loans loss reserves. That gives it a Texas Ratio of 3.31%.
Net Worth
| United Consumers | U.S. Average |
|---|---|
| 10.79% | 13.93% |
United Consumers FCU has a net worth of 10.79% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for United Consumers
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