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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 March 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: March 24, 2026
Summit Ridge Credit Union's savings rates are at 0.13%. Summit Ridge Credit Union's Personal Loan Rates are at 10.99%. 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 12.14%. Rates were last updated on 03/24/2026. 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 Savings Rates
Summit Ridge Credit Union Mortgage Rates
Summit Ridge Credit Union Credit Card Rates
Summit Ridge Credit Union Personal Loan Rates
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 (94/100)
Texas Ratio
12.14%
Return on Assets (ROA)
0.0872%
Return on Equity (ROE)
1.0224%
Non-Performing Loans Ratio (NPL)
2.01%
Total Assets
19,099,116
Total Amount of Shares and Deposits
17,326,810
Total Shares and Deposits < 1 Year
15,705,151
Total Shares and Deposits 1 3 Years
1,179,356
Total Shares and Deposits > 3 Years
442,302
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,102,326
Total Uninsured Shares and Deposits > $250K (F+J)
1,102,326
Total Insured Shares and Deposits > $250K (item 17 less item K)
16,224,484
Total Interest Expense (Sum of items 6 8)
200,584
Share Certificates
197
Number of Accounts for Share Drafts
727
Number of Accounts for Regular Shares
1,918
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,076,898
Total Liabilities
17,469,495
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Summit Ridge Credit UnionIs Summit Ridge Credit Union a safe place to deposit money?Yes, Summit Ridge Credit Union is considered a safe financial institution. With a Texas Ratio of 12.141902933259%, 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 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.
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