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Golden Plains Credit Union

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Golden Plains Credit Union Rates & Review April 2026

Q: Is a member application needed to join Golden Plains Credit Union?

Yes, to access services at Golden Plains 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Golden Plains 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: April 19, 2026

Golden Plains Credit Union's 9-Month CD rates are at 3.90%, 9-Month CD Special rates are at 3.90%. MonitorBankRates evaluates the financial stability of Golden Plains Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.14%. Rates were last updated on 04/19/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.14%

Excellent Lower than avg

Golden Plains Credit Union
GPCU Garden City

1714 E Kansas Ave
Garden City, KS 67846 6235

https://www.gpcu.org

Golden Plains Credit Union CD Rates

Product	Rate	APY	Term
9-Month CD	-	3.90%	9
No additional details. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
9-Month CD Special	-	3.90%	9
Min Deposit $5,000 Details This is a limited time offer. Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

Golden Plains Credit Union Checking Rates

Product	Rate	APY
Gold Access Checking	-	4.06%
Min Deposit $100 Details Qualifications Required: 10 debit card transactions; Enroll and receive e-Statements; Access Golden Plains Online before 5 pm on the last day of the month; Qualifying balance up to $25,000.00 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%
Gold Access Checking	-	0.05%
Min Deposit $100 Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.14%

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 Golden Plains 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 Golden Plains 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 Golden Plains Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Golden Plains Credit Union

Website https://www.gpcu.org

Address 1714 E Kansas Ave, Garden City, KS 67846 6235

Phone 620-275-2151

Fax 620-271-9480

President William DeLong

CEO Rosa Saenz

Full-Time Employees 203

Part-Time Employees 13

Branch Locations 12

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.14%

Return on Assets (ROA)

0.7814%

Return on Equity (ROE)

6.1062%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

978,931,365

Total Amount of Shares and Deposits

844,253,171

Total Shares and Deposits < 1 Year

836,082,619

Total Shares and Deposits 1 3 Years

5,389,047

Total Shares and Deposits > 3 Years

2,781,505

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

72,116,366

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

72,116,366

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

772,136,805

Total Interest Expense (Sum of items 6 8)

16,336,060

Share Certificates

8,457

Number of Accounts for Share Drafts

28,923

IRA KEOGH Accounts

1,478

Number of Accounts for Regular Shares

96,024

Non Member Deposits

Money Market Shares

1,895

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

85,286,481

Total Liabilities

853,665,052

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Golden Plains Credit Union

Is Golden Plains Credit Union a safe place to deposit money?

Yes, Golden Plains Credit Union is considered a safe financial institution. With a Texas Ratio of 5.1405081268737%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Golden Plains Credit Union operate?

Golden Plains 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 Golden Plains Credit Union?

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

Does Golden Plains Credit Union offer online and mobile banking?

Most modern institutions like Golden Plains 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.gpcu.org.