Come experience the difference a member owned local credit union can make for you! Founded in 1928 by the employees of Burlington Railroad employees as a not-for-profit financial cooperative; BNCCU is now the oldest and one of the strongest community-chartered credit union's in the Kansas City metro. Through the years, membership has been expanded to now include anyone who lives or works in Clay County, Missouri. As your local credit union, we offer member/owners a wide variety of financial services to include free checking, mobile banking, online banking, text banking and mobile deposit.; along with competitive dividend rates on savings accounts and lower interest rates on loans.