Quick answers to the most frequently asked questions.
Can’t find what you’re looking for? Email us at Helpdesk@uccumo.com or call us at (816) 325-6900.
- Who is eligible to join the credit union?
- How do I become a member?
- What are your current interest rates for savings accounts?
- What are your current interest rates for CDs?
- What are your loan rates?
- What should I do if I forget my online banking password?
- What are your ATM withdrawal limits?
- Do you charge fees for using ATMs outside your network?
- How can I report a lost or stolen card?
- What is your policy on overdrafts?
- Can I deposit a check using my mobile device?
- How can I dispute a transaction on my account?
- What are your hours?
- Where are your locations?
- What is the routing number?
1. Who is eligible to join the credit union?
Membership depends on where you live and work. This includes anyone who lives or works in:
- Jackson County, MO
- Buchanan County, MO
- Cass County, MO
- Clay County, MO
- Johnson County, MO
- Lafayette County, MO
- Platte County, MO
- Ray County, MO
And those who live, work, worship or attend school in:
- Johnson County, KS
- Wyandotte County, KS
Immediate family of current accountholders and eligible persons (such as your spouse, sibling, parent, grandparent, child or grandchild) is also eligible to join our community of members.
UCCU also serves employees and retirees of specific organizations. Learn more here: Join UCCU.
2. How do I become a member?
The first step to become a member is to open a Share Savings Account. Learn more and get started here.
3. What are your current interest rates for savings accounts?
Savings Account Rates
4. What are your current interest rates for CDs?
Click on the name of the type of CD rate you wish to see:
Regular CDs
Preferred CDs
Premium CDs
5. What are your loan rates?
Check out our current loan rates here.
6. What should I do if I forget my online banking password?
Click the ONLINE BANKING button at the top of any page of the website and follow the prompts to reset your login or password, or to reset in case of account lockout.
7. What are your ATM withdrawal limits?
The daily ATM withdrawal limit is $1,000.
8. Do you charge fees for using ATMs outside your network?
We have a large network you can use without any surcharges. Click here to learn more.
9. How can I report a lost or stolen card?
If your card is lost or stolen, we can help. Visit this page to report.
10. What is your policy on overdrafts?
Learn about overdraft protection here.
11. Can I deposit a check using my mobile device?
You can do this and more. Learn more about digital banking here.
12. How can I dispute a transaction on my account?
To report or dispute a transaction, call: 844-675-0301.
13. What are your hours?
Lobby Hours
Mon - Fri: 9:30am - 5:30pm
Sat: 9:30am - 12:30pm
Drive Through Hours
Mon - Fri: 7:00am - 6:00pm
Sat: 8:30am - 12:30pm
14. Where are your branch locations?
We have four locations: Independence, MO, Raytown, MO, St. Joseph, MO and Olathe, KS. See our map and locations here.
15. What is the routing number?
UCCU’s routing number is 301081414, and you can find both the routing number and your account number on your checks. Here’s where to look.