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Welcome to R-G Federal Credit Union

Toll Free: 1-866-852-6478   R/T# 301080392



The first Credit Union cooperative started in Germany over a century ago. Today, Credit Unions are found everywhere in the world. The Credit Union movement started in this country in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church affiliated Credit Union, opened its doors in 1909. R-G Federal Credit Union was chartered on September 12th, 1957 to serve Richards-Gebaur Air Force Base's Military and Civilian Personnel. In 1984, the Whiteman Community Credit Union merged with R-G Federal Credit Union. R-G was then able to serve the military members associated with Whiteman Air Force Base and the surrounding communities. In July of 2008, R-G Federal merged with Missouri Family Credit Union. R-G Federal Credit Union is proud to serve the following counties in the state of Missouri: Jackson, Cass, Johnson, Bates, Vernon, Henry, St. Clair, Cedar, Hickory, Morgan, Benton and parts of Pettis. Today, one in every three Americans is a Credit Union member.

Who are we?

R-G Federal Credit Union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. We are member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Who owns R-G Federal Credit Union?

Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. R-G Federal Credit Union doesn't operate in that manner. Rather, each member owns one "share" of the organization. Being a member/owner also entitles you to vote on important issues, such as the election of member representatives to serve on the board of directors.

What is R-G Federal Credit Union's Purpose?

Our primary goal is to encourage members to save money. Another purpose is to offer loans to members. In fact, we have traditionally made loans to people of ordinary means. R-G can charge lower rates for loans (as well as pay higher dividends on savings) because we are a nonprofit cooperative. Rather than paying profits to stockholders, we return earnings to members in the form of dividends or improved services.

Who can join the Credit Union?

R-G exists to serve a specific group of people. We call this our "field of membership." Our field of membership includes where members live, where they work, where they worship, and where they attend school. If you have this common bond in any of the twelve counties in our field of membership, then you're just like everyone else who's already found're eligible to join! Not sure what area we serve? Click here to see!

Are Savings deposits secured?

Yes. All share (savings) accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Section 343 of the Dodd-Frank Act amended the Federal Credit Union Act to include full share insurance coverage, beyond the Standard Maximum Share Insurance Amount of $250,000, for the net amount held in a noninterest-bearing transaction account by any member or depositor at an insured credit union. "Noninterest-bearing" includes "non-dividend-bearing" for credit unions, so our Type 76 basic checking account would fall under this rule.