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United Consumers

1111 E 23RD ST S, Independence, MO 64055
NCUA Insured3.6 (192 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1941

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1111 E 23RD ST S

Independence, MO 64055

Google Maps🗺Waze
(816) 325-6900

Service Area

This credit union is located in Independence and serves members in the MO area. Currently serving 16,704 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.49%

Used Auto Loan

8.44%

Personal Loan

14.25%

Credit Card APR

13.49%

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.

Best Rates in MO

Lowest rates currently reported by credit unions in MO (NCUA Q4 2025).

Co - Lib— New Auto Loan

Saint Louis, MO

2.99%
Co - Lib— Used Auto Loan

Saint Louis, MO

2.99%
Patriot— Personal Loan

Oakville, MO

7.99%
Missouri Electric Cooperatives Empl— Credit Card APR

Jefferson City, MO

8.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.6

192 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Patricia Martin

Patricia Martin

4 months ago

I have been with united consumers credit union since the 80's. They have always provided excellent customer service.

dredaylarue

dredaylarue

3 months ago

Been a member for several years now. Great loan programs and service. Thank you

Pat Wells

Pat Wells

3 months ago

Have been with them for a long time. My father followed them as it was the Steelworkers Union before United Consumers.

Amanda

Amanda

11 months ago

Before April 4, 2025 had zero issues, depositing checks through the App - I do this 2-3 times a week. It was very efficient - upload image front and back and it posted immediately to my account. I liked this option after two branches by my house were closed. After April 7, with the new and improved "System Upgrade" that was supposed to be stronger more efficient system, with up-to-date technology - is a joke!!!! It's not efficient for me the customer it's actually costing me time and money!! Having to now drive to the bank just to deposit checks. I mean I could use the app but then I have to wait until the next day and then use my time to call them to see why they haven't done their jobs. I was told it was a system issue to it's not a system issue it's one person that enters all of the remote deposits and she's been busy but will get to it when she can. That's not an efficient system after all. The one before was much better!!! Who's ever idea it was to go with this new system needs to have their position reevaluated cause they may just end up costing UCCU a lot of customers- I'm ready to switch banks over this issue with the remote deposit. Why offer something that DOESN'T WORK ok it works but I shouldn't have to babysit UCCU's employees making sure they do their jobs!!

Emma Reeves

Emma Reeves

a year ago

If you want a bank with an app that is "down for maintenance" or is being "updated" constantly this is the bank for you. Randomly being unable to access your mobile bank account during weekends is a normal occurrence. EDIT: The unnamed new app im supposed to download hasn't been dropped for android. No problem for my bank, but I still have bills to pay. Seriously making me question my membership.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).