October 5, 2026
Happy Everything With Our Holiday Loans
Take advantage of our great rates! KCACU is offering a special HOLIDAY LOAN now through January 31, 2027. Don’t put holiday expenses on a credit…
Read more →Limited time
Happy Everything With Our Holiday Loans
Don't put holiday expenses on a credit card! Max term of 1 year.
Rates as low as 5.25% APR*
Learn more → Apply
Holiday Skip-A-Payment
Skip A Payment, Not A Present
Forms are now available for November 2026, December 2026 or January 2027. $25 per loan.
Learn more → Apply
Auto loans
Rev Your Engine With An Auto Loan
Apply for a pre-approval today! *Must qualify for rate.
Rates as low as 4.99% APR*
Learn more → Apply
Signature loans
Sky's The Limit With Our Signature Loans!
For qualified applicants we may be able to loan up to $15,000.*
Rates as low as 10.99% APR*
Learn more → Apply
Boat loans
Our Boat Loan Rates Are a Great Catch!
Terms up to 144 months/12 years. See us about longer terms!
Rates as low as 8.99% APR*
Learn more → Apply
RV loans
Your Adventure Awaits!
Great rates on campers & RVs, with terms up to 144 months/12 years.
Rates as low as 8.99% APR*
Learn more → Apply
Mobile deposit
Need to make a deposit? Do it by phone!
Download our free mobile app and deposit your check without a trip to the office.
Learn more → Apply
Debt consolidation
Feeling Overstuffed With Bills?
Pay off debt and make one payment to us.
Rates as low as 8.99% APR*
Learn more → ApplySince 1946
Small enough to know you.
Large enough to serve you.
We serve government (federal, state, county, or city) employees, current and retired, working in Johnson and Wyandotte counties in Kansas and Jackson and Clay counties in Missouri, plus anyone living in, working in, or paid by Wyandotte County, KS, and their families.
LOAN RATES AS LOW AS · APR · TIER A (700+)
| Auto / collateral (2022+), up to 48 mo | 4.99% |
| Holiday loan, up to 12 mo | 5.25% |
| Debt consolidation, 36 mo | 8.99% |
| Signature loan, 36 mo | 10.99% |
| Share-secured loan | 2.50% |
Rates effective November 1 – November 30, 2026. Rates subject to change without notice; must qualify.
View all rates →What we offer
Everyday banking, without the big-bank runaround
$
Accounts
Savings and checking built for members.
- Share (savings)
- Share draft (checking)
- Christmas Club
🚗
Loans
Fair rates and people who know your name.
- New & used auto loans
- Signature & emergency advance loans
- Share, collateral & seasonal promotional loans
★
Member services
The little extras that save you a trip.
- Free notary (members) & fax service
- Mobile app with mobile deposit
- Wire transfers, money orders, gift cards
⚠ Lost or stolen debit card?Shazam Customer Service: (800) 383-8000Report card fraud: (833) 288-1126
News & promotions
What's happening at KC Area
October 5, 2026
Rev Your Engine With An Auto Loan
AS LOW AS: 4.99% Apply for a pre-approval today! *must qualify for rate Visit www.kcareacu.com for an online application and dealer listings from…
Read more →
October 5, 2026
Sky’s The Limit With Our Signature Loans!
We’re committed to offering the best rates around! We have rates as low as 10.99% *(*for qualified applicants) Apply for a SIGNATURE LOAN today!…
Read more →News you can use
Don't be a victim of fraud
Protect yourself and your loved ones from being financially taken advantage of. Read the article to learn more.
Visit us
Two Kansas City branches
M–F 7:30am–3:00pm
Downtown KCMO · Main Branch
Richard A. Bolling Federal Building, ground floor
601 E. 12th St., Rm G-61, Kansas City, MO 64106
816-936-5050
Bank with ease, 24/7
View accounts, make loan payments, transfer money, sign up for e-statements, and retrieve copies of checks at no charge.