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Top 10 Credit Unions in Kansas - 2025 Sortable APR Guide


Top credit unions in Kansas ranked by best APR.

Sort the best APR by loan type, and see how these rates affect car payments in our Kansas car payment calculator.

Car rates are for 72 months. The rates listed are the best offered by the top credit unions in KS for A-tier credit scores.
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The APR listed may change at any time. Rates vary based on application date, terms, and credit rating.
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Sort rates by clicking the top of the list.
Best Credit Unions in Kansas
Rank Credit Union Car APR Home APR CC APR Locations
1 Meritrust 15
2 Envista 12
3 Skyward 6
4 Quantum 3
5 Wichita FCU 3
6 CommunityAmerica 35
7 Mainstreet 12
8 Mazuma 13
9 Heartland 10
10 Azura 11
Meritrust Credit Union
Meritrust was established in 1935 and has over 125,000 members at 15 credit unions in Kansas. The first members were aircraft builders making planes for interstate mail delivery.

All Kansas residents are eligible to join.

Meritrust CU ranks #1 on our 2025 credit union list for competitive rates on all loan types with top customer service.

Headquarters: 151 N Main St, Wichita, KS 67202
Top Credit Union Award
Envista Federal Credit Union
Envista was established in 1957 and serves 50,000 members from 12 locations in Kansas. The first members were railway workers laying tracks for a direct route from Chicago to Kansas City.

The ways to join include residents in the counties of Butler, Chase, Douglas, Franklin, Geary, Greenwood, Harvey, Jackson, Jefferson, Kingman, Leavenworth, Lyon, Marion, Mcpherson, Morris, Osage, Pottawatomie, Pratt, Reno, Rice, Riley, Sedgwick, Shawnee, Stafford, Wabunsee, Woodson, and Wyandotte..

Headquarters: 3626 SW Wanamaker Rd, Topeka, KS 66614
Skyward Credit Union
Skyward was founded in 1941 and has over 22,000 members from 6 credit unions in Kansas. The first members were aircraft builders for Beechcraft and Cessna.

Following a passion for flight, Skyward CU offers flying club loans that provide financing for members who want to become pilots.

Anyone can join, and new members receive a 1-year membership to the Kansas Aviation Museum as listed in the ways to join Skyward.

Headquarters: 4 Cessna Blvd, Wichita, KS 67215
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Quantum Credit Union
Quantum CU was created in 1938 for employees of the Southwestern Bell Telephone Company. It has 14,000 members at 3 branches.

The ways to join include residents in the counties of Allen, Anderson, Butler, Coffey, Cowley, Franklin, Greenwood, Harvey, Kingman, Lyon, Osage, Reno, Sedgwick, Sumner, and Woodson.

Headquarters: 6300 W 21st St, North Wichita, KS 67205
Wichita Federal Credit Union
WFCU was founded in 1940 and has 15,000 members from 3 locations in KS. The field of membership includes Sedgwick County.

The first members were local heroes in Wichita including Police, Fire, and Emergency Services. WFCU would rank higher on the 2025 list of top credit unions in Kansas if it had more branches and additional ways to join.

Headquarters: 9835 E 21st St, North Wichita, KS 67206
CommunityAmerica Credit Union
Founded in 1940, CommunityAmerica serves 320,000 members from 35 unions in KS. It was chartered for air travel employees.

Membership eligibility encompasses the KC Metro Area including the counties of Douglas, Johnson, Jefferson, Leavenworth, Miami, Shawnee, Wyandotte, Jackson, Cass, Clay, and Platte.

CommunityAmerica is the largest credit union in Kansas, but it started with 1 pilot from Trans World Airlines.

Headquarters: 9777 Ridge Dr, Lenexa, KS 66219
Mainstreet Federal Credit Union
Mainstreet FCU first opened in 1953. It has over 70,000 members at 11 locations. It was created by school teachers using a vacant classroom as their office.

The field of membership includes Douglas, Franklin, Johnson, Leavenworth, Linn, Miami, and Wyandotte County.

Headquarters: 13001 W 95th St, Lenexa, KS 66215
Mazuma Credit Union
Founded in 1948 for government employees, Mazuma CU serves 80,000 customers at 13 unions in Kansas.

The field of membership includes residents Wyandotte, Johnson, Jackson, Cass, Clay, or Platte County.

Headquarters: 7260 W 135th St, Overland Park, KS 66223
Heartland Credit Union
Established in 1948 for Kansas educators, HCU serves 40,000 clients at 10 branches.

All Kansas residents can qualify for membership as listed in the ways to join HCU.

Headquarters: 900 E 23rd Avenue, Hutchinson, KS 67502
Azura Credit Union
Established in 1939, Azura has over 65,000 customers at 11 credit unions in Kansas. It was created for school teachers in Topeka.

The field of membership includes staff and students of Kansas education, and residents of the counties listed in the ways to join Azura.

Headquarters: 610 SW 10th Ave, Topeka, KS 66612
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