At a glance
From its website, read 2 Nov 2026Holy Rosary Credit Union is a credit union based in Kansas City, Missouri. Its website describes auto loans, credit-builder loans, microloans and 2 other loan types. Stated loan amounts run from $2,500 to $250,000. Where it lends: HELOC available in Missouri and Kansas only. The consumer loan APR it states is 6%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (816) 221-2734 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.HolyRosaryCU.org |
| Office (official list) | 533 Campbell St, Kansas City, MO 64106 |
What their website says about applying
Call the credit union at 816.221.2734, choose your preferred language, then Option 4, and then Option 4 again.
sourceCOMPREHENSIVE and COLLISION coverage on the vehicle with deductibles not to exceed $2,000.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate: from 6% APR | Heloc rates as low as 6.00% APR* | source |
| Auto / vehicle loans | Term: see their wording | Terms up to 84 months on new autos | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Subject to membership and credit qualifications.
source - First-time homebuyer program
Designed for First-Time Homebuyers
source - Income limit applies
Subject to income guidelines and funding availability
source - Collateral required
Since HELOC Loans are secured by your home, the rates are usually lower
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Jun 2015 |
| RSSD ID | 737191 |
| Address | 533 Campbell St, Kansas City, MO 64106 Directions (Google Maps) |
| Website | www.HolyRosaryCU.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Business microloan and personal loan terms are only partly stated, and the HELOC size range is the only mortgage amount given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | $2,500 – $15,000 | $2,500-$15,000 | source |
| Credit-builder loans | — | Credit Builder Loan | source |
| Microloans | up to $7,000 | BUSINESS MICROLOANS UP TO $7,000 | source |
| Personal / consumer loans | — | Variable Rate Personal Line of Credit | source |
| Small-business loans | — | We offer small business loans designed to spark growth. | source |
Loan sizes
BUSINESS MICROLOANS UP TO $7,000
sourceWith loan amounts ranging from $5,000 to $250,000**, you can apply today
source$2,500-$15,000
source
Range used for the size filter: $2,500 to $250,000
Service area
HELOC available in Missouri and Kansas only
HELOC is available in Missouri and Kansas only.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply 24 hours a day
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$6.6 million in 8 awards from the U.S. Treasury's CDFI Fund, 2011–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | Small Dollar Loan Program | $280,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2011 | CDFI Program, Technical Assistance | $93,044 |
Emergency Capital Investment Program (ECIP)
Treasury invested $1 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as HOLY ROSARY (charter 64690). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $45.4 million (as of 30 Jun 2026) |
|---|---|
| Members | 7,042 (as of 30 Jun 2026) |
| Offices | 4 (as of 30 Jun 2026) |
Offices by state and county (4)
Missouri (4 offices)
- Buchanan County (1): 1002 N 4th St, Saint Joseph 64501
- Jackson County (3): 533 Campbell St, Kansas City 64106 (main office); 16995 E Dover Ln, Independence 64056; 533 Campbell St, Kansas City 64106
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Holy Rosary Credit Union (NCUA charter 64690, filed as “HOLY ROSARY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $31.6 million, 2,830 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.6% from $32.4 million on 30 Jun 2025 |
| Members | 7,042 (as of 30 Jun 2026); 6,860 (as of 30 Jun 2025) |
| Loans per member | $4,483 (total loans divided by members, 30 Jun 2026) |
| Total assets | $45.4 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $1.2 million | 3.8% |
| Used vehicle loans | $8.5 million | 26.9% |
| First-lien home mortgages (1-4 family) | $7.9 million | 25.0% |
| Other real estate loans (junior liens, other) | $7.8 million | 24.8% |
| Commercial (business) loans | $3.6 million | 11.5% |
| Credit cards | $436,779 | 1.4% |
| Other unsecured loans | $1.7 million | 5.3% |
| Leases and other secured loans | $439,264 | 1.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $250,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 72% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $45.4 million | Larger than 21% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 70% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $32.4 million → $31.6 million (-3%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 217 → 216. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 72% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 21% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 217 → 216 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Kansas City and Missouri
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- KC Unidos Federal Credit UnionCredit union · Kansas City, MOOfficial list only
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
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