De Soto Mo Pac Credit Union

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11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

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online savings accounts that
routinely beat the competition

1.20% APY

Overview / Commentary

www.desotomopaccu.com

636-586-9922

418 N Main St
De Soto, MO 63020-1538

De Soto Mo Pac Credit Union is headquartered in De Soto and is the 67^th largest credit union in the state of Missouri. It is also the 3,703^rd largest credit union in the nation. It was established in 1939 and as of June of 2017, it had grown to 4 employees and 1,279 members at 1 location. De Soto Mo Pac Credit Union's savings rates are 92% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership in De Soto Mo Pac Credit Union is open to employees of Union Pacific Railroad who live or work in St. Francois or Washington Counties in Missouri.
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Health

C+

Data as of Q2 2017

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. De Soto Mo Pac Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	63507
Year Chartered	1939
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	1.23%
Return on Equity - YTD	11.9%
Annual Interest Income	$310.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$15.8MM$14.3MM
Loans	Q2 2017vs Q2 2016	$12.4MM$10.8MM
Deposits	Q2 2017vs Q2 2016	$14.1MM$12.8MM
Equity Capital	Q2 2017vs Q2 2016	$1.6MM$1.4MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$55.00K$42.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$208.00K$46.00K
Real Estate Owned	Q2 2017vs Q2 2016	$0$0

Rates

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De Soto Mo Pac Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$100	-	Share Accounts

De Soto Mo Pac Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%	$5k	-	Share Draft Accounts

De Soto Mo Pac Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	$5k	$100k	Certificate of Deposit

Locations

De Soto Mo Pac Credit Union Locations
Branch Office	418 N Main St	De Soto, MO 63020-1538