How do I apply for a loan?
CLICK HERE to apply for a loan online. Or, you can walk into one of our three branches to apply.
What causes KCCU to deny a loan?
There are several factors that help us determine whether or not a loan can be approved or not. What usually causes a loan to be denied is a very low credit score, short time frame on current job, and previous delinquencies on record with us.
What are your current loan interest rates?
Is there a penalty for paying off a loan early?
We do not charge a penalty for paying off a loan early. And, the positive side to paying off a loan early is that you will end up paying less interest then you previously would have paid – had you not paid off the loan early.
What happens if I miss a loan payment?
Your account becomes delinquent, and a “past due” notice is sent to you in the mail within 5 to 10 days after your loan payment has not been received. If you are unable to make your loan payment, please contact our Collections/Risk Manager, Kevin Welp at 816-861-5700, ext. 106 or at firstname.lastname@example.org with your reason for not being able to pay, and the date by which you may be able to make the payment to us. All delinquencies are reported to the credit bureaus after the loan payment is 30 days past due. Delinquencies reported to credit bureaus will have an adverse affect on your credit score.
What happens if I can no longer make any of my loan payments? Do you offer any type of assistance such as lowering the amount due each month?
If you have a legitimate source of income, we may offer you a one month extension, and possibly lower your payment.
Can I order a teller check & have it mailed to me?
Yes. You can call us at 816-861-5700 to request a teller check to be mailed to you.
How do I check my account balance?
If you are signed up for our Online Banking, then you can check your balance online 7 days a week, 24 hours a day. Click here to access Online Banking. And, if you are signed up for our Audio Response Teller (banking by phone), then you can check your balance via your telephone 7 days a week, 24 hours a day. Click here for more information. Also, you may call us during normal business hours at 816-861-5700 to request your balance or it may be requested in person at any of our three branches.
Who can join KCCU?
What are the branch locations & hours of operation?
If the branch is not open, how can I still do my banking?
If you are signed up for our Online Banking, then you can bank online 7 days a week, 24 hours a day. Click here to learn more about our Online Banking. And, if you are signed up for our Audio Response Teller (banking by phone), then you can bank via your telephone 7 days a week, 24 hours a day. Click here for more information. Also, you can drop off deposits at our “night” drop safety deposit box at our Main Branch on 5110 Ararat Drive, KCMO 64129. And, limited banking can be conducted at our 7 free ATM’s.
Is there a Notary on staff at each branch, and is there a fee charged?
Yes there is a notary on staff at each of our 3 branch locations. And, notarizations are FREE for our members.
What is the difference between an ATM card and a Debit Card? And, is there a cost for each?
The ATM is for the Savings Account only, and the Debit Card is only for the Checking Account. And, both cards are free.
What is the balance requirement on your checking account?
There are no minimum balance requirements for the checking account.
Does KCCU count loose coin?
At our Main Branch we have a FREE coin machine that members can use. Simply bring your loose coin into the Main Branch, and you can drop it into the machine to be counted. Non members pay a 5% fee on the amount of coin that is counted in the machine.
How do I sign up for Online Banking?
You can sign up via our website. Click here to sign up for Online Banking.
How do I access my Online Banking Account?
You can access it via our website from your computer or cell phone. Click here to access Online Banking. Once on our website, visit our Homepage and click on the “Member Login” button under the Kansas City CU logo.
What do I do if my password is not working for my Online Banking account? I’m unable to get into my account.
You can reset your own password online. Click here to access Online Banking. Next, click on “Forgot Security Code”. The system will then take you through the steps to reset a new password. Or, you can call us at 816-861-5700 to request a member service representative to reset your password for you.
How do I sign up for Online Bill Pay?
You must first sign in to your “ONLINE banking” account, then you can sign up for a “BILL pay” account. Click here to access Online Banking. Once you have logged on to your Online Banking account, at the main screen where it shows your accounts, there’s a tab along the top that says “Bill Payment”. You click there to sign up for bill pay. You cannot call us to sign you up for Bill Pay over the phone, but if you need assistance with getting signed up, then you may go into one of our branches and we can help you through the process.
Why can I no longer access my Bill Pay Account? How do I get it reactivated?
You probably can no longer access it due to “inactivity”. Your bill pay account may have been deactivated because you had not used it for over 90 days or because you no longer have a checking account. A bill pay account can only be used with a checking account, and not a savings account.
You can get your bill pay account reactivated by calling a KCCU member service representative at 816-861-5700.
How do I sign up for Estatements?
You can sign up for E-statements when you log into your Online Banking account or you can call us at 816-861-5700 and ask a Member Service Representative to sign you up for E-statements.
How do I sign up for 24 hour Banking by Phone with KCCU?
Call us at 816-861-5700 to get signed up for our 24-hour telephone Audio Response Teller (ART). A member service representative will assign a password pin for you to be able access your accounts through the automated telephone system. Once you have your password pin, then you can access the audio response system by calling 816-861-2704.
How do I request a wire?
To wire funds to Kansas City Credit Union, please WIRE TO:
Kansas City Credit Union
Routing Number 301180111
FURTHER CREDIT: Kansas City Credit Union, Account Number 301081016.
FINAL CREDIT: Member’s Name, Member’s Account Number.
Please know that you can also walk into one of our three branches to request a wire be done.
I received a suspicious email and or text asking me for my account information. What do I do?
Ignore the email and/or text message. And, do NOT give out your account information, social security number, etc., and inform us immediately. Kansas City Credit Union will NEVER ask for your account information or social security number via an email or text message.
How much money do I need to start a CD?
At least $500
How much money do I need to start a Money Market Account?
At least $1,000