Missouri Credit Union

Headquarters

Po Box 1795
Columbia, MO 65205
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.55% →
1-Year CD 0.35% 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD 1.05% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Missouri is an NCUA insured institution located in Columbia, MO. It was founded in 1969 and has approximately $555.61 millions in assets.

Who can join?

If you live or work in Audrain, Boone, Callaway, Cole, Cooper, Howard, Miller, Moniteau, Osage, or Randolph, you are eligible for membership.
If you are an immediate family member of a currently existing member, you are eligible for membership. Immediate family is defined as spouse, children, stepchildren, parents, grandparents, sisters, and brothers.
You are eligible if you are employed by or affiliated with the state of Missouri including:
• Retirees
• Societies
• Systems
• Agencies
• Associations
• Boards
• Commissions
• Co-partnerships
• Corporations
• Educational Institutions
You are eligible if you are employed by or affiliated with any educational institution in Missouri including:
• Central Methodist University
• Columbia College
• Lincoln University
• Stephens College
• Truman State University
• William Woods University
• University of Missouri
• Students
• Retirees
• Societies
• Systems
• Agencies
• Associations
• Boards
• Commissions
• Co-partnerships
• Corporations
You are eligible if you are attached to any public school in Missouri including but not limited to:
• Camdenton Teachers Association
• Fulton Teachers Association
• North Callaway R-1 School District
• Northeast Missouri Teachers Association
You are eligible if you are in central and northeast Missouri employed by or affiliated with the federal government:
• Retirees
• Societies
• Associations
• Co-partnerships
• Corporations
You are eligible if you are employed by or affiliated with cities in Missouri including:
• City of Branson
• City of Columbia
• City of Camdenton
• City of Canton
• City of Fulton
• City of Holts Summit
• City of Jefferson
• City of Kirksville
• City of Marceline
• City of Nevada
• City of Osage Beach
• Cole County Courthouse
• Associations
• Co-partnerships
• Corporations
• Retirees
• Societies
You are eligible if you are employed by or affiliated with medical facilities including:
• Boone Hospital Center
• Boone Clinic
• Charter Hillside Hospital
• Columbia Center for Psychiatry
• Columbia Orthopedic Group
• Columbia Regional Hospital
• Dialysis Clinic, Inc
• Ellis Fischel Cancer Center
• Eye Consultants Group, Inc
• Harry S Truman VA Hospital
• Health South Howard A. Rusk Rehabilitation Center
• Phelps County Regional Medical Clinic
• University of Missouri Health Care Hospitals and Clinics
• Visiting Nurses Association
• Associations
• Co-partnerships
• Corporations
• Retirees
• Societies
If you are a part of one of the Select Employee Groups (SEGs), you are eligible to join:
• Missouri Intergovernmental Risk Management Association (MIRMA)
• Missouri Auto Dealers
• Missouri Bar Association (Employees)
• Missouri Division of Credit Unions
• Missouri Municipal League
• Thomas Hill Public Water

NCUA Insured Yes / State-Chartered
Charter Number # # 65656
Date Established 1969
Assets $555.61 million
Loans $336.66 million
Deposits $493.28 million
Capital $54.48 million
 

Field of Membership Restrictions

Membership is open to those who live or work in Audrian, Callaway, Boone, Cole, Cooper, Howard, Miller, Moniteau, Osage or Randolph Counties in Missouri. Membership is also open to employees of the state of Missouri, the cities of Branson, Canton, Kirksville, Marceline, Nevada, Camdenton, or Osage Beach, the state of Missouri public schools and colleges and universities, Central Methodist University, Columbia College, Stephens College and William Woods University, federal employees in Central or Northeast Missouri, Boone Hospital Center; Boone Clinic; Charter Hillside Hospital; Columbia Orthopedic Group; Columbia Regional Hospital; Dialysis Clinic, Inc.; Ellis Fischel Cancer Center; Eye Consultants Group, Inc.; Harry S Truman VA Hospital; Howard A. Rusk Rehabilitation Center; Phelps County Regional Medical Center, University of Missouri Health Care Hospitals and Clinics, and other Select Employer Groups.

Deposit Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.35% $10,000 - Learn More
36 Mo CD
0.55% $10,000 - Learn More
48 Mo CD
0.90% $10,000 - Learn More
60 Mo CD
1.05% $10,000 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
1.51% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
3.00% $1 $99 Learn MoreShow Less
Int Ckg
3.00% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 19, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Missouri

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.644% 6.500% 0.50 $4,803 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.711% 6.625% 0.63 $2,850 $2,049 Learn More
Rocket Mortgage
NMLS ID: 3030
7.076% 6.990% 0.88 $2,800 $2,127 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Missouri
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Branches

Below are Missouri branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Missouri Locations around zip code 20146




Climate Policy and Initiatives

MISSOURI is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Missouri Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Missouri. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Missouri U.S. Average
1.97% 6.52

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2024, Missouri had $1,030,830 in non-current loans and $57,497 in owned assets. To cover these potential losses it had $54,478,468 in net worth and $850,494 in loans loss reserves. That gives it a Texas Ratio of 1.97%.

Net Worth
Missouri U.S. Average
9.78% 13.65%

Missouri FCU has a net worth of 9.78% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Missouri

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