Back to Lees Summit credit unions

Missouri Central

P O Box 6617, Lees Summit, MO 64064
NCUA Insured3.8 (37 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1931

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

Location & Directions

Address

P O Box 6617

Lees Summit, MO 64064

Service Area

This credit union is located in Lees Summit and serves members in the MO area. Currently serving 11,603 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

6.36%

Used Auto Loan

8.67%

Personal Loan

13.62%

Credit Card APR

13.99%

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).

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

Branches & Locations(2 total)

Member Reviews

3.8

37 Google reviews

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

View on Google Maps
Tamara Gunn

Tamara Gunn

8 months ago

We had a car loan with them for 16 months. 3 times in a row they lost our payment and acted like it was our fault. Last straw came when they tired to start charging us for car insurance saying we had not provided proof of insurance for 16 months. That was a lie because our insurance company sent it in every 6 months. I had to get all the paperwork and take to them. The manager Rebecca was rude and would not even sit down and talk. She didn't even introduce herself just rude and disrespectful to a customer. We took our business elsewhere. I would never recommend this place to anyone.

David Hinshaw

David Hinshaw

7 months ago

Had a stressful situation the other day with the drive thru. They had a person that was training and not trying to gather any additional information to rectify the issue. When I asked to speak with the branch manager I was told they were not in. I proceeded to leave the drive thru and go inside of the bank and Sherry was able to work with me to get the situation resolved.

Melanie Chaves

Melanie Chaves

8 months ago

I have been with us bank for many years - they are inconsiderate, and they lie. They let their tellers do all the dirty work. I will be closing my account permanently very soon please do not ever trust Jenny. They obviously through all the years have not appreciated, my loyalty to the bank. I would suggest you take your money elsewhere. I will be doing that as well. Update 9/16 She closed my account unauthorized to do so - no call back she is avoiding me I want to hear from your boss

james brightwell

james brightwell

a year ago

I would not use Missouri Credit Union under any circumstances. I went to see them as a current member prior to filing bankruptcy due to recently becoming a fully disabled Veteran. I met with loan manager Linda prior to filing bankruptcy. Linda told me either through incompetence or malicious intent if I re-established my auto loan, with a significant amount of negative equity, they would gladly extend me a new loan after the discharge based on a scoring system they did not use. I believe I was taken advantage of because I am an easy target, I struggle with PTSD and interacting in most situations people can navigate easily can give me incredible difficulty. I was a Finance Director in the auto industry prior to being fully disabled. I did not ask vague or open ended questions prior to executing this. Loan Manager -"As long as you don't include us, we don't care". Once my bankruptcy discharged and I reaffirmed a debt that was not needed and put me in another financial hardship, my loan was denied after I filed bankruptcy as we had discussed prior to me doing. This was escalated to the branch manager who never bothered to dispute what I was told, it happened. He just told me "there is nothing we can do". Deceptive and unethical behavior. Now I am trying to pay this loan down faster and I have just been told.... "that's how we do it..and then I am ignored by their representatives and management. They do not utilize the industry standard of a "principal only payment" allowing you to make an additional payment going to your principal payment for the month has been satisfied. I could not be more disappointed. I would not recommend this institution to FRIEND OR FOE.

Ashley Sanders

Ashley Sanders

2 years ago

There current system in place when you bank at a sister bank and need to make a withdrawal is a joke. They leave no slips out for you to fill out for your withdrawal. I waited patiently and quietly in line for over 20 minutes, just to get to the desk for them to hand me the slip I needed to complete for the withdrawal, requested I step a side, complete the form, and get right back in the long line that I had been in from the beginning. It's a complete joke. The staff stated they no longer keeps the slips out due to a recent completed remodel and it wasnt in their remodel plan. They are not having enough staff work the front to keep the line moving, but they also won't set out the slips you have to complete for a withdrawal either. There were multiple of us that were frustrated because we waited all that time to get a slip and get told to get right back in line. It's not that hard to give the community what they need to complete their transactions before they spend all that wasted time in line. However, that massive coffee bar, with the refrigerated water bottle cooler, that would take up way for room then some small papers, made it just fine into your remodel. They are about the visual appeal, but not actual quality service and customer ease.

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).