Expansion
We’re Growing!
CMCCU is Expanding into Jackson & Cass Counties
Big news for Missouri! CMCCU is bringing lower loan rates, higher savings yields, and neighborly service to Jackson and Cass Counties.
Upgrade Your Drive!
CMCCU is Expanding into Jackson & Cass Counties
To celebrate our new borders, we are highlighting our best ways to help you save on the road. Whether you are buying from a dealership, buying from a private seller, or refinancing a costly loan from another lender, we've got you covered.
Auto Loans with Rates as Low As:
- New Auto Loans: 4.10% APR*
- Used Auto Loans: 4.60% APR*
Why finance your vehicle with CMCCU?
- Keep Payments Low: Take advantage of competitive, credit-union-only rates to keep your monthly budget happy.
- Skip a Payment: Enjoy life's milestones with our flexible payment deferral options.
- Quick Approvals: Get pre-approved before you shop so you can negotiate like a cash buyer.
*APR = Annual Percentage Rate. Rates are subject to credit approval and membership eligibility. Actual rate determined by creditworthiness and other factors. See credit union for complete details. Federally insured by NCUA.
Bring a Neighbor!
CMCCU is Expanding into Jackson & Cass Counties
"Bring a Neighbor" Referral Program
Are you already a CMCCU member? Help us welcome our new communities and get rewarded for it!
How It Works:
- Invite a Friend: Share the benefits of CMCCU with anyone who lives, works, or goes to school in Jackson or Cass counties.
- They Open an Account: Have them mention your name when they open their new account.
- You Both Get $50! We will deposit $50 into your account and $50 into theirs as a warm welcome. *Restrictions Apply
Why Choose a Credit Union Over a Bank?
- Better Rates: As a not-for-profit financial cooperative, we return our profits to you through lower loan rates and higher savings yields.
- Fewer Fees: We keep our account fees transparent and low, so your money stays where it belongs—with you.
- Community-First Focus: We aren't beholden to Wall Street shareholders. Our only priority is helping our neighbors and local small businesses thrive.
FAQ!
CMCCU is Expanding into Jackson & Cass Counties
Frequently Asked Questions
Do I have to live in Jackson or Cass County to join?
No! You can also join if you work, worship, or attend school in these counties, or if you are already eligible under our existing membership regions.
Where is the nearest branch?
As we expand our physical footprint, you can access your money 24/7 through our robust online banking, mobile app, and a vast network of free ATMs.
What do I need to open an account?
Just a valid government-issued ID, proof of address (if it doesn't match your ID), and a minimum $1 deposit to open your share savings account.
| Account Attribute | CMCCU Member Benefits | Typical Big Banks (e.g., Chase, BofA, Wells Fargo) |
|---|---|---|
| Monthly Checking Fees | $0.00 (100% free personal checking accounts) | $12.00 to $15.00/month unless strict direct deposit minimums are met. |
| Minimum Balance to Avoid Fees | $0.00 on standard checking accounts | $1,500.00+ daily balance often required to waive monthly maintenance costs. |
| Overdraft Protection Fees | Significantly lower than commercial competitors | $35.00 per item with multiple charges allowed daily. |
| Out-of-Network ATM Access | Free access via the nationwide CO-OP Network (30,000+ ATMs) | $2.50 to $5.00 per transaction, plus secondary fees from the ATM owner. |
| Savings Account Yields (APY) | Higher interest returns compounded quarterly | Near-zero base rates (frequently averaging 0.01%). |
| Auto & Personal Loan Rates | Lower baseline APRs due to localized risk modeling | High baseline margins designed to max corporate investor dividends. |
