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C&R Credit Union

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C&R Credit Union Rates & Review August 2026

Q: How many branches does C&R Credit Union operate?

C&R Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join C&R Credit Union?

Yes, to access services at C&R Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, C&R Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, C&R Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 29, 2026

C&R Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not C&R Credit Union, and you can see how they compare in the C&R Credit Union rate tables below. MonitorBankRates evaluates the financial stability of C&R Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Database rates last updated and verified on 08/29/2026.

C&R Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at C&R Credit Union? Share your experience about C&R Credit Union by leaving a review below, or read customer reviews before you decide to use C&R Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

C&R Credit Union
C and R Credit Union

801 5th St
Clay Center, KS 67432 2502

https://www.candrcreditunion.com

C&R Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Used Vehicle 2024 and newer Loan	-	-	0.00%
Details Collateral Age Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for C&R Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather C&R Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with C&R Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name C&R Credit Union

Website https://www.candrcreditunion.com

Address 801 5th St, Clay Center, KS 67432 2502

Phone 785-632-5161

Fax 785-632-5610

President GAIL WESTGATE

CEO STEFANIE GISSELBECK

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

Return on Assets (ROA)

0.0509%

Return on Equity (ROE)

0.3922%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

4,043,172

Total Amount of Shares and Deposits

3,514,113

Total Shares and Deposits < 1 Year

2,683,372

Total Shares and Deposits 1 3 Years

830,741

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,514,113

Total Interest Expense (Sum of items 6 8)

42,949

Share Certificates

Number of Accounts for Share Drafts

141

Number of Accounts for Regular Shares

678

Net Income (unless the amount is already included in Undivided Earnings)

2,055

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

825,543

Total Liabilities

3,518,922

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About C&R Credit Union

How many branches does C&R Credit Union operate?

C&R Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join C&R Credit Union?

Yes, to access services at C&R Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, C&R Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, C&R Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does C&R Credit Union offer online and mobile banking?

Most modern institutions like C&R Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.candrcreditunion.com.