What are the current interest rates at Raytown Lees Summit Community Credit Union?

Current rates for Raytown Lees Summit Community Credit Union include: 24-Month CD: 2.52%, 60-Month CD: 2.02%

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Raytown Lees Summit Community Credit Union

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Raytown Lees Summit Community Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Raytown Lees Summit Community 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: September 22, 2026

Raytown Lees Summit Community Credit Union's 48 MONTH CD rates are at 2.68%, 36 MONTH CD rates are at 2.62%, 24 MONTH CD rates are at 2.52%, 60 MONTH CD rates are at 2.02%. MonitorBankRates evaluates the financial stability of Raytown Lees Summit Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Raytown Lees Summit Community Credit Union
Raytown Branch

10021 E 66th Ter
Raytown, MO 64133

https://rlsccu.org

Raytown Lees Summit Community Credit Union CD Rates

Product	Rate	APY	Term
48 MONTH CD	2.65%	2.68%	48 MONTH
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
36 MONTH CD	2.60%	2.63%	36 MONTH
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
24 MONTH CD	2.50%	2.52%	24 MONTH
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
60 MONTH CD	2.00%	2.02%	60 MONTH
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

Raytown Lees Summit Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Traditional, Roth, and Educational IRA	2.50%	-	2.52%	6 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Traditional, Roth, and Educational IRA	2.60%	-	2.63%	12 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Traditional, Roth, and Educational IRA	2.65%	-	2.68%	18 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%
Traditional, Roth, and Educational IRA	2.00%	-	2.02%	24 Month
Min Deposit $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.84%

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.
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Financial Health History

Raytown Lees Summit Community Credit Union’s Texas Ratio fell from 8.31% in Q2 2023 to 5.84% in Q1 2026, so its financial health has improved 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)

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
March 31, 2026	$60M	5.84%	5.0	A+
December 31, 2025	$60M	6.19%	5.0	A
September 30, 2025	$60M	4.16%	5.0	A+
June 30, 2025	$59M	5.73%	5.0	A+
March 31, 2025	$60M	5.72%	5.0	A+
December 31, 2024	$58M	4.64%	5.0	A+
September 30, 2024	$59M	5.28%	5.0	A+
June 30, 2024	$61M	9.74%	5.0	A
March 31, 2024	$61M	7.15%	5.0	A
December 31, 2023	$62M	9.78%	5.0	A
September 30, 2023	$65M	6.90%	5.0	A
June 30, 2023	$66M	8.31%	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 Raytown Lees Summit Community 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 Raytown Lees Summit Community 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 Raytown Lees Summit Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Raytown Lees Summit Community Credit Union

Website https://rlsccu.org

Address 10021 E 66th Ter, Raytown, MO 64133

Phone 816-356-0791

Fax 816-356-1452

President Mark Wasko

CEO Carrie West

Full-Time Employees 12

Part-Time Employees 6

Branch Locations 2

ATM Locations 2

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

5.84%

Return on Assets (ROA)

0.1233%

Return on Equity (ROE)

1.4297%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

59,598,535

Total Amount of Shares and Deposits

54,207,047

Total Shares and Deposits < 1 Year

52,878,047

Total Shares and Deposits 1 3 Years

1,230,188

Total Shares and Deposits > 3 Years

98,813

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

515,113

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

515,113

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

53,691,934

Total Interest Expense (Sum of items 6 8)

29,895

Share Certificates

180

Number of Accounts for Share Drafts

3,597

IRA KEOGH Accounts

157

Number of Accounts for Regular Shares

8,284

Money Market Shares

145

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)

6,671,600

Total Liabilities

54,456,797

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Raytown Lees Summit Community Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Raytown Lees Summit Community Credit Union

How many branches does Raytown Lees Summit Community Credit Union operate?

Raytown Lees Summit Community 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 Raytown Lees Summit Community Credit Union?

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

Does Raytown Lees Summit Community Credit Union offer online and mobile banking?

Most modern institutions like Raytown Lees Summit Community 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://rlsccu.org.