Questions & Answers
Why are we merging?
Both MCCU and CCCU have deep roots in the Kansas City area—MCCU since 1931 and CCCU since 1934. By merging, we combine our local histories and strengths to provide improved financial stability, expanded services, and more convenient locations for all members. Together, we’re building a stronger, community-focused credit union for the future.
How did CCCU and MCCU decide to merge with each other?
After inviting several local credit unions to submit proposals and following their interviewing of finalists, CCCU’s board unanimously selected Missouri Central Credit Union because MCCU shares their vision and mission: serving a diverse membership, improving our communities, and enhancing the financial lives of our members. MCCU’s long-term commitment to being the credit union for those starting out, starting up, and starting over resonated strongly with CCCU’s board as the best fit to support their membership’s needs and strengthen their branch communities.
Will the staff I know still be there?
Yes! The friendly staff you know and trust will continue to be here to help you through this transition and beyond.
What benefits will I see from the merger?
You’ll gain access to multiple full-service branches across the Kansas City metro, enhanced digital and automated phone banking tools, a wider range of loan and financial products, more competitive rates, and reduced fees on key services — all aimed at improving your banking experience and providing greater convenience.
Will both credit unions have a voice going forward?
Yes. To ensure continuity and that the interests of CCCU members are represented at Missouri Central, two CCCU board members have joined MCCU’s volunteer leadership teams—one now serves on MCCU’s Board of Directors and the other on its Supervisory Committee. Their ongoing involvement helps preserve CCCU’s mission and values as we move forward together.
Will I have access to automated phone banking?
Yes! MCCU offers automated phone banking, providing you convenient 24/7 access to your accounts by phone—a service that CCCU members recently lost but will regain with this merger.
How will this merger affect and/or improve my digital banking experience?
After the conversion of CCCU accounts to MCCU, which is planned to occur early next year, you’ll have access to MCCU’s upgraded mobile app and online banking platform. Features include real-time remote deposits, budgeting tools through SavvyMoney, Plaid integration, QuickBooks connectivity, easy account-to-account transfers, and soon, new financial education resources—all designed to simplify managing your finances.
Will the merger affect my accounts and services?
Your accounts and services will remain secure and accessible throughout the transition. The official account conversion for CCCU accounts is planned for early next year, pending vendor support. You don’t need to do anything—your accounts will transfer automatically and will remain unchanged until then.
Will my account number or debit/credit card numbers change?
For our new members, our goal is to keep your account numbers unaffected by the system conversion. However, as we finalize the process over the coming months, there may be some vendor-dictated updates required. If any changes are necessary, we will provide clear, detailed information well in advance to ensure a seamless transition with no disruption to your services. Current MCCU members, your account numbers will not be affected.
Will I see any benefits before the official account conversion?
Yes. We are beginning the process of aligning CCCU’s rate and fee structures with MCCU’s, which means you can expect lower fees and better rates in many key areas even before the full system conversion. We’ll keep you informed as these changes roll out.
Where can I get help or ask questions?
Email: growingtogether@mocentral.org
Phone: CCCU: 816-842-0727 | MCCU: 816-246-0002
We’re here to support you every step of the way.