Great Plains Federal Credit Union Info + Reviews
Great Plains Federal Credit Union is the Missouri CU we’ll cover here. This article will go over info like their products, rates, membership eligibility and more. By the end of this, you should be in a good position to know whether it’s the right financial community to join.
At the end of this article, you can add in your own personal review of GPFCU if you have experience with them.
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*Routing #: 301178288
*Phone #: 1-800-388-1318
*Home Office:
2306 S. Range Line Rd.
PO Box 2968
Joplin, MO 64803
A Little History on Great Plains Federal Credit Union
Forming a little later than the average credit union, this one was started in 1950. As with many other CU’s, it was formed to serve one group of employees at a chemical plant in Kansas City, Missouri.
Throughout many changes of sponsors, acquisitions, and continued growth, they are now a pretty big CU in Missouri.
According to their NCUA profile, their assets are over $350 million, too. Not bad at all. Because of their partnerships with Transfund and Moneypass ATMs, you can get your cash at over 30,000 different places nationwide and surcharge-free.
Do they give back at all?
It does not look like they are involved with any charitable efforts based on a search of their website.
Membership Requirements
If you want to join Great Plains Federal Credit Union, then you will need to meet some requirements. Depending on where you’re living, working, worshiping, or going to school, those play a major part in your chances of getting there.
Most credit unions have their eligibility requirements pretty clearly outlined on their websites, but, GPFCU would prefer that you call them at (800) 388-1318 or contact a local branch to find out if you qualify for membership. If you operate in a county where one of their branches is located, then you’re in.
Family members can also get you in, so, ask around to see if anyone belongs in case you don’t meet the other requirements.
Great Plains Federal Credit Union Products
GPFCU is just focused on personal products, so, it doesn’t look like there are any major business offerings. You can get a business credit card, though. They have three major checking accounts that you can choose from, which is about average among credit unions.
There’s the Economy Share Draft Account, Regular Share Draft Account, and Money Market Share Draft Account. The first account (Economy) does not pay any dividends but there’s also no minimum balance requirements or transaction limitations.
The Regular Share Draft Account at Great Plains Federal Credit Union earns interest monthly on balances of $500 or more. You will need to pay a monthly fee on this account if the balance falls below $500 at any time during a given month.
Their Money Market is the big one, so, if you have a lot of money to earn dividends with, this is the account you need. You will earn interest compounded monthly on balances of $2,500 or more.
Additional Products
They have a basic savings account ( which is necessary to maintain a membership, too). That has a $25 minimum opening deposit, no monthly maintenance fees, and other features.
You can also find CDs, IRAs, debit cards and credit cards at Great Plains Federal Credit Union, too. Their loan products can cover most personal purchases. Those include auto loans, mortgages, and personal loans.
They offer insurance through TruStage.
Rates
(all subject to change without notice)
Savings/Checking
Effective date: 12/21/2021
| Minimum Balance* | APY** | |
|---|---|---|
| Prime Savings | $25 | 0.15% |
| Regular Savings | $0 | 0.15% |
| Christmas Club | $0 | 0.25% |
| Regular Checking | $500 | 0.05% |
| Economy Checking | $0 | 0.00% |
| Money Market Checking | $2,500 | 0.30% |
**APY = Annual percentage yield. Rates subje
Certificates at Great River Federal Credit Union
Effective date: 12/21/2021
| Minimum Balance* | APY** | |
|---|---|---|
| 91-day | $500 | 0.33% |
| $10,000 | 0.43% | |
| 6-month | $500 | 0.41% |
| $10,000 | 0.51% | |
| 1 year | $500 | 0.25% |
| $10,000 | 0.45% | |
| $25,000 | 0.55% | |
| 2 year | $500 | 0.35% |
| $10,000 | 0.55% | |
| $25,000 | 0.65% | |
| 3 year | $500 | 0.40% |
| $10,000 | 0.60% | |
| $25,000 | 0.70% | |
| 4 year | $500 | 0.45% |
| $10,000 | 0.65% | |
| $25,000 | 0.75% | |
| 5 year | $500 | 0.55% |
| $10,000 | 0.75% | |
| $25,000 | 0.85% |
IRAs
Effective date: 12/21/2021
| Minimum Balance* | APY** | |
|---|---|---|
| Passbook | $500 | 0.30% |
| 6 month | $500 | 0.51% |
| 1 year | $500 | 0.55% |
| 2 year | $500 | 0.65% |
| 3 year | $500 | 0.75% |
Auto Loan Rates
| Effective date: 1/1/21 | Rates as low as… | Terms up to… |
|---|---|---|
| New– 2020 – 2022 model | 3.00% | 84 months |
| Preowned– 2018 – 2022 model | 3.25% | 84 months |
| Preowned– 2014 – 2017 model | 3.35% | 72 months |
| Preowned– 2010 – 2013 model | 5.00% | 60 months |
Rates are stated as annual percentage rates and are subject to change without notice. Call for complete details.
Loan Rates at Great River Federal Credit Union
Effective date: 1/1/21
| Rates as low as… | Terms up to… | |
|---|---|---|
| Auto | 3.00% | 84 months |
| Boat | 5.50% | 120 months |
| Motorcycle | 4.75% | 84 months |
| Signature | 9.75% | 60 months |
| Motor Home/Travel Trailer | 6.00% | 120 months |
| Mobile Home | 6.00% | 144 months |
| Airplane | 6.75 % | 120 months |
| Appliance, Computers, RV, Lawn/Garden Tractor | 7.50% | 48 months |
| Home Equity Line of Credit | Subject to market | 180 months |
| Mortgages | Subject to market | 360 months |
Rates are stated as annual percentage rates and are subject to change without notice. Call for complete details.
Great Plains Federal Credit Union – Final Thoughts
Great Plains Federal Credit Union is a mid-size CU in Missouri that carries basic personal products and one business offering. If you need a simple checking or savings account that pays you dividends or interest, then this is the right place to look. If you are looking for a Missouri CU offering business products or one that is involved with a lot of charity and giving back, there are other ones around the state that you should take a look at.
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
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