Our Services

Our checking accounts have no minimum balances and no monthly fees. We offer overdraft protection from savings or a line of credit loan. Apply for a free Visa Check card. Visa check cards are easier and faster than writing a check. This check card can be used at point of sale merchants at no cost to you. Just use the card at the stores and the money is automatically withdrawn from your checking account. We offer ACH’s. You can notify your mortgage company, insurance company, and anyone else to automatically take the payment out of your checking account.
We offer savings accounts and Certificates of Deposit which earn competitive dividends. We offer Christmas Club and Vacation Club. These accounts let you save money all year long for holiday shopping or a vacation. You can use payroll deduction to make automatic deposits on a regular basis.
Visit the credit union before you visit the dealer to secure a pre-approved auto loan. At the credit union you will get a great rate with no hidden costs. Gap Coverage is available on auto loans for a reasonable cost. Gap Coverage will pay the difference between the market value of your vehicle and the loan balance if your vehicle is totaled due to an accident or theft. The credit union also has car warranties available at a reasonable cost.
A share secured loan uses your shares in the credit union as “collateral”. It is the easy way to keep the money in your share account earning dividends while you are using the funds from the loan.
With a line of credit loan, you will have credit available when you need it. Just draw on your approved maximum credit line as you go and use the funds as necessary. Credit limit depends on your income and credit rating.
Your signature is all that is needed to secure this loan. Amounts up to $2,500.00 are available, depending on your income and credit rating.
Loans are covered in the event of your death. This service is provided to members at a reasonable cost. Insurance can be purchased to cover primary member and co-borrower.
Low cost credit disability insurance is available on all loans at Independence Federal Credit Union. There is a 30-day grace period and benefits commence on the 31st day. This is available at a reasonable cost to the primary member.
It is one of the easiest and safest ways to conduct your credit union business. Use payroll deduction to save money or make loan payments. Most payroll departments will let employees have two allotments.
Direct deposit saves time and worry as your entire net paycheck is deposited directly into your checking or savings account. Paychecks or other recurring checks, such as social security or federal disbursements, are all handled with ease.


Phone: (816) 833-0781
Fax: (816) 833-2496

Lost/Stolen Credit/Debit Card
(800) 847-2911

301 W. Lexington Ave., Suite 260
Independence, MO 64050

Branch Hours
Mon – Tues:
8:30 a.m. – 12:30 p.m.
1:30 p.m. – 4:30 p.m.


Thurs – Fri: 8:30 a.m. – 12:30 p.m.
1:30 p.m. – 4:30 p.m.

Get in touch with us today if you have any questions about Independence FCU.