|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Summit Ridge Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Summit Ridge Credit Union's 5 Year/60 Month CD rates are at 2.95%, 4 Year/48 Month CD rates are at 2.75%, 3 Year/36 Month CD rates are at 2.55%, 18 month CD rates are at 2.50%, 2 Year/24 Month CD rates are at 2.35%. Summit Ridge Credit Union's Personal Loan Rates are as low as 9.99%. Summit Ridge Credit Union's Credit Card Rates are at 13.50%. MonitorBankRates evaluates the financial stability of Summit Ridge Credit Union with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.49%. Rates last updated and verified on 09/22/2026. Summit Ridge 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 Summit Ridge Credit Union? Share your experience about Summit Ridge Credit Union by leaving a review below, or read customer reviews before you decide to use Summit Ridge Credit Union. Summit Ridge Credit Union
Summit Ridge Credit Union 3485 NE Ralph Powell Rd
https://mysrcu.com Lees Summit, MO 64064 
Summit Ridge Credit Union CD Rates
Summit Ridge Credit Union Savings Rates
Summit Ridge Credit Union Auto Loan Rates
Summit Ridge Credit Union Credit Card Rates
Summit Ridge Credit Union Personal Loan Rates
Summit Ridge Credit Union Other Rates
Financial Health HistorySummit Ridge Credit Union’s Texas Ratio rose from 10.25% in Q2 2023 to 14.49% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A-. 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)
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Summit Ridge 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 Summit Ridge 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 Summit Ridge Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Summit Ridge Credit Union
Website
https://mysrcu.com
Address
3485 NE Ralph Powell Rd,
Lees Summit, MO 64064
Phone
816-272-6160
Fax
816-272-6266
President
Gerald (Gary) Derks
CEO
Sharri Wardlow
Full-Time Employees
4
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A- (93/100)
Texas Ratio
14.49%
Return on Assets (ROA)
0.0508%
Return on Equity (ROE)
0.6050%
Non-Performing Loans Ratio (NPL)
2.90%
Total Assets
19,430,830
Total Amount of Shares and Deposits
17,638,907
Total Shares and Deposits < 1 Year
16,465,890
Total Shares and Deposits 1 3 Years
718,307
Total Shares and Deposits > 3 Years
454,710
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
939,335
Total Uninsured Shares and Deposits > $250K (F+J)
939,335
Total Insured Shares and Deposits > $250K (item 17 less item K)
16,699,572
Total Interest Expense (Sum of items 6 8)
50,821
Share Certificates
194
Number of Accounts for Share Drafts
724
Number of Accounts for Regular Shares
1,888
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)
3,728,377
Total Liabilities
17,800,278
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Summit Ridge 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.
Add Your Rating and Review for Summit Ridge Credit Union
Frequently Asked Questions About Summit Ridge Credit UnionHow many branches does Summit Ridge Credit Union operate?Summit Ridge 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 Summit Ridge Credit Union?Yes, to access services at Summit Ridge 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, Summit Ridge 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, Summit Ridge Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Summit Ridge Credit Union offer online and mobile banking?Most modern institutions like Summit Ridge 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://mysrcu.com. Current Summit Ridge Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Educational Community Credit Union
Access Of Louisiana Federal Credit Union
Painesville Credit Union
PUD Federal Credit Union
River Community Credit Union
Logix Federal Credit Union
Main Impact Federal Credit Union
KIT Federal Credit Union
Tee Pak Credit Union
Straits Area Federal Credit Union
WHITE PLAINS P O EMPLOYEES
MADISON COUNTY
Bayonne School Employees Federal Credit Union
Members First Credit Union Corpus Christi, TX
Mount Olive Baptist Church Federal Credit Union
TRONA VALLEY COMMUNITY
First Commerce Credit Union
Timberline Federal Credit Union
Hometown Credit Union
New York Times Employees Federal Credit Union
Rio Grande Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
