PO Box 858
Mexico, MO 65265
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.05% →
1-Year CD 0.55% 1.05% →
2-Year CD 0.75% 1.11% →
5-Year CD 1.10% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

United is an NCUA insured institution located in Mexico, MO. It was founded in 1935 and has approximately $192.36 millions in assets.

NCUA Insured Yes
Charter Number # # 63597
Date Established 1935
Assets $192.36 million
Loans $140.46 million
Deposits $166.50 million
Capital $25.71 million

Field of Membership Restrictions

Membership is open to those who live or work in Audrain, Adair, Chariton, Boone Callaway, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, and Shelby Counties in Missouri.

Deposit Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.35% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.30% $10,000 $14,999 Learn More
3 Mo CD
0.30% $100,000 $199,999 Learn More
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.65% $10,000 $14,999 Learn More
18 Mo CD
0.65% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.85% $10,000 $14,999 Learn More
36 Mo CD
0.85% $100,000 $199,999 Learn More
48 Mo CD
0.95% $10,000 $14,999 Learn More
48 Mo CD
0.95% $100,000 $199,999 Learn More
60 Mo CD
1.10% $10,000 $14,999 Learn More
60 Mo CD
1.10% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.20% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNITED

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.758% 2.690% 0.88 $2,244 $1,013 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to UNITED
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Below are United 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:

United Locations

Financial Details

United Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of United. 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
United U.S. Average
2.58% 6.71

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 30, 2020, United had $661,396 in non-current loans and $25,000 in owned assets. To cover these potential losses it had $25,714,618 in net worth and $908,640 in loans loss reserves. That gives it a Texas Ratio of 2.58%.

Net Worth
United U.S. Average
13.36% 13.61%

United FCU has a net worth of 13.36% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About United

Branches and Savings

What is United?

A federal credit union, registered with the NCUA under certificate #63597.
Learn more about credit unions here.

Is United FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join United?

Please see Field of Membership information above for information on who is eligible to join.

What are United's share account and share certificate rates?

United's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is United?

United has total capital of $25.71 million. Full information on United's financial position is located above.

Who owns United?

Credit Unions are owned by their members.

Where are United branches located?

See branch locations nearby.

Are United ATMs Open 24/7?

Do United ATMs accept cash deposits?

Can United customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does United have a mobile app?

Does United have mobile deposit?

Does United have quick pay?

How can United transfer money to other banks or credit unions?

Does United report to credit bureaus?

Does United use Chexsystems?

Does United use Equifax?

What is United's toll free phone number?

What is United's ACH Routing Number?

What is United's SWIFT code?

Where can I find United's wire transfer form?

What is the United address for deposits?

What Products Does United Offer

Does United offer mortgages?

Compare mortgage rates here.

Does United offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does United offer auto and RV loans?

Compare auto loan rates here.

Does United offer student loans or personal loans?

Compare personal loan rates here.

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