What are the current interest rates at City Credit Union?

Current rates for City Credit Union include: 12-Month CD: 3.80%, 18-Month CD: 3.70%, 24-Month CD: 3.60%, 60-Month CD: 3.45%, Savings: 0.75%, MMA: 2.25%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
City Credit Union

iAdvertiser Disclosure

City Credit Union Rates & Review October 2026

Q: How many branches does City Credit Union operate?

City 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 City Credit Union?

Yes, to access services at City 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, City 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, City 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: October 10, 2026

City Credit Union's top rates as of October 10, 2026 are 3.95% APY on its 6-Month CD, 0.75% APY on savings, 2.25% APY on money market accounts, and personal loans from 10.71% APR, according to rates verified by MonitorBankRates. Other City Credit Union CD rates include 3-Month CD at 3.90%, 1-Year CD at 3.80%, and 18-Month CD at 3.70%. MonitorBankRates evaluates the financial stability of City Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.51%. Rates last updated and verified on 10/10/2026.

City 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 City Credit Union? Share your experience about City Credit Union by leaving a review below, or read customer reviews before you decide to use City Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.51%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

City Credit Union
City Credit Union

2550 S State Route 291
Independence, MO 64057-1226

https://www.city-cu.com/

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

City Credit Union CD Rates

Product	Rate	APY	Term
6-Month CD	-	3.95%	6 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
3-Month CD	-	3.90%	3 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
1-Year CD	-	3.80%	1 year
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
18-Month CD	-	3.70%	18 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
2-Year CD	-	3.60%	2 years
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
3-Year CD	-	3.55%	3 years
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
4-Year CD	-	3.50%	4 years
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
5-Year CD	-	3.45%	5 years
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Savings Rates

Product	Rate	APY
Quarterly IRA Savings	-	0.75%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Holiday Savings	-	0.25%
Details No minimum balance. Funds are released October 1. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Savings	-	0.25%
Min Balance $5 Details All members must maintain a $5 balance. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Vacation Savings	-	0.25%
Details No minimum balance. Four free withdrawals per year. $5 charge for each subsequent withdrawal. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Youth Savings	-	0.25%
Min Balance $5 Details All members must maintain a $5 balance. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Money Market Rates

Product	Rate	APY
Money Market	2.25%	2.25%
Min Balance $1,500 Details Balance: $1500 - $2499.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	2.00%	2.00%
Min Balance $2,500 Details Balance: $2500 - $9999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	1.19%	1.19%
Min Balance $150,000 Details Balance: over $150,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.19% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	1.12%	1.12%
Min Balance $100,000 Details Balance: $100,000 - $149,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	1.08%	1.08%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.08% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	0.98%	0.98%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.98% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Money Market	0.69%	0.69%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.69% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.75%	Up to 180 months
Details Variable Rate Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Autos	-	-	4.84%	Up to 72 months
Details As Low As; 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Older Vehicles (2004-2018) 85% LTV Loan	-	-	7.28%	Up to 48 months
Details As Low As; Retail value greater than $3,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.28% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
RVs & Watercrafts Loan	-	4.84%	Up to 84 months
Details As Low As; Insurance required Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Motorcycles & ATVs Loan	-	5.84%	Up to 72 months
Details As Low As; 2019-2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.71%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 10.71% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

City Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Antiques Loan	-	-	6.22%	Up to 60 months
Details As Low As; 2001 & Older Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.22% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
FLEX Line of Credit	-	-	10.69%
Details As Low As; Up to $7,500 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 10.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
HELP Loans	-	-	3.02%	Up to 120 months
Details up to $15,000; As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.02% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%
Untitled Collateral Loan	-	-	6.52%	Up to 60 months
Details As Low As; UCC will be filed Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.52% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.51%

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.

Financial Health History

City Credit Union’s Texas Ratio rose from 6.01% in Q3 2023 to 8.51% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$66M	8.51%	5.0	A
March 31, 2026	$64M	5.87%	5.0	A+
December 31, 2025	$62M	8.68%	5.0	A
September 30, 2025	$61M	7.60%	5.0	A
June 30, 2025	$61M	5.37%	5.0	A+
March 31, 2025	$60M	6.04%	5.0	A
December 31, 2024	$56M	6.69%	5.0	A
September 30, 2024	$57M	6.85%	5.0	A
June 30, 2024	$55M	6.23%	5.0	A
March 31, 2024	$57M	6.64%	5.0	A
December 31, 2023	$55M	6.21%	5.0	A
September 30, 2023	$57M	6.01%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for City 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 City 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 City Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name City Credit Union

Website https://www.city-cu.com/

Address 2550 S State Route 291, Independence, MO 64057-1226

Phone 816-252-2415

Fax 816-461-0161

President Larry Horne

CEO Lisa Autry

Full-Time Employees 11

Part-Time Employees 2

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 (96/100)

Texas Ratio

8.51%

Return on Assets (ROA)

0.3100%

Return on Equity (ROE)

2.5987%

Non-Performing Loans Ratio (NPL)

1.90%

Total Assets

65,529,914

Total Amount of Shares and Deposits

56,571,147

Total Shares and Deposits < 1 Year

55,156,160

Total Shares and Deposits 1 3 Years

933,459

Total Shares and Deposits > 3 Years

481,527

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,174,018

Total Uninsured Shares and Deposits > $250K (F+J)

5,174,018

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

51,397,129

Total Interest Expense (Sum of items 6 8)

328,247

Share Certificates

458

Number of Accounts for Share Drafts

2,789

IRA KEOGH Accounts

108

Number of Accounts for Regular Shares

4,655

All other shares

Money Market Shares

262

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)

3,493,417

Total Liabilities

57,712,953

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

City Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/city-credit-union-rates-review-67924">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for City Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for City Credit Union

Frequently Asked Questions About City Credit Union

How many branches does City Credit Union operate?

City 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 City Credit Union?

Yes, to access services at City 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, City 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, City Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does City Credit Union offer online and mobile banking?

Most modern institutions like City 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.city-cu.com/.