NCUA Insured
Member-Owned
2 charter
Established in 1960
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Independence, MO may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1960
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Independence and serves members in the MO area. Currently serving 4,166 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.54%Used Auto Loan
5.94%Personal Loan
12.20%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in MO (NCUA Q4 2025).
Saint Louis, MO
Saint Louis, MO
Oakville, MO
Jefferson City, MO
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
4.1
44 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsJUSTxxRAYNE
12 months ago
I've banked here for roughly 30 years, since before I was even old enough to have an account when my grandfather opened a Scottie savers for me as a child. They've always been good and helpful to me. The staff is friendly and familiar faces that I've seen for at least the past decade or more. Even though I've moved about 45 minutes away now when I used to live right around the block, I still bank here as my primary and probably will forever honestly.
Jerri Fankhauser
7 months ago
The interest is too high. The hours are not convenient. And it is nearly impossible to make an online payment. Their online payment system is confusing and not user-friendly. Sometimes it will not allow me to make a payment and I have to call in. Sometimes the online payment works, and sometimes it doesn’t.
shawnell moye
3 years ago
I have been with this bank for 8 years this is an awesome bank its a small bank and sometimes get very busy and may not answer the phone but when I leave a message they always call me right back I know how to manage my account and pay my bills on time so I don't have any problems with fees and sometimes when I mess up the fees that they charge are manageable they will work with you when other banks want even give you a chance if you don't have perfect credit. When I started my credit was fair now I have excellent credit I will always be a loyal customer thanks!
Jeri Roberts
4 years ago
I am reading some of the bad reviews and I've never had a poor Experience. I've worked with Jennifer, the loan officer, for MULTIPLE loans the entire time I've banked here, and she's always called me back and been very quick with the process. If someone doesn't answer the phone, I've always received a call back. I've been banking here for 12 years and have never had an issue. I love this small credit union and the customer service
Mackenize Harris
3 years ago
I’ve banked at City Credit for 13 years! I was 15 years old when I opened my account. They give you top-notch service. If there was ever an issue they took care of it right away. I’ve had an auto loan through them also. They made the whole process from beginning and end smooth. I highly recommend them to everybody I know!
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(816) 252-2415Website
Visit WebsiteMembers
4,166
Total Assets
$62.3M
Year Opened
1960
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile