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Missouri Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
missouricu.org
573-874-1477
111 E Broadway
Columbia, MO 65203

Missouri Credit Union is headquartered in Columbia and is the 5th largest credit union in the state of Missouri. It is also the 684th largest credit union in the nation. It was established in 1969 and as of March of 2025, it had grown to 76 employees and 36,693 members at 7 locations. Missouri Credit Union's money market rates are 8X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Missouri Credit Union is open to those who live or work in the Missouri counties of Audrain, Boone, Callaway, Cole, Cooper, Howard, Miller, Moniteau, Osage, or Randolph. Employees, retirees, and alumni of University of Missouri, Central Methodist University, Columbia College, Lincoln University, Stephens College, Truman State University, or William Woods University qualify for membership. Employees of several SEGS (including the State of Missouri) are also eligible to join, as are immediate family members of a current MCU member.
See current membership details

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #65656
Year Chartered1969
Employees76
Primary Regulator
Profit Margin
Return on Assets - YTD-0.24%
Return on Equity - YTD-2.48%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$593.1MM$555.6MM
LoansQ1 2025vs Q1 2024$307.4MM$336.7MM
DepositsQ1 2025vs Q1 2024$526.6MM$493.3MM
Equity CapitalQ1 2025vs Q1 2024$56.5MM$50.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.9MM$2.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$499K$360K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Missouri Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$50k*-Savings Plan
OTHER TIERS: 0.10% → $0 - $25k | 0.45% → $25k - $50k
0.50%$1k-Health Savings Account

Missouri Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.46%*$100k*-Money Market Account
OTHER TIERS: 0.69% → $1k - $10k | 1.09% → $10k - $25k | 1.80% → $25k - $50k | 2.51% → $50k - $100k

Missouri Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$0$2.5kYour Money with Interest Checking - Reverse Tier Account
OTHER TIERS: 0.10% → $2.5k+

Missouri Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-12 Month CD
4.15%$500-8 Month CD
4.05%$500-6 Month CD
4.00%$500-24 Month CD
4.00%$500-3 Month CD
3.50%$500-60 Month CD
3.25%$500-48 Month CD
3.25%$500-36 Month CD
3.25%$10-12 Month Payroll Deposit CD

Missouri Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.35%*$50k*-IRA Investment Savings
OTHER TIERS: 4.32% → $0 - $50k
4.15%$500-12 Month IRA
4.15%$500-8 Month IRA
4.05%$500-6 Month IRA
4.00%$500-3 Month IRA
4.00%$500-24 Month IRA
3.50%$500-60 Month IRA
3.25%$500-36 Month IRA
3.25%$500-48 Month IRA
Locations


Missouri Credit Union Locations
Branch Office910 Eastland DrJefferson City, MO 65101
Branch Office3200 W Edgewood DrJefferson City, MO 65109-6866
Branch Office1815 Southwest BlvdJefferson City, MO 65109
Branch Office111 E BroadwayColumbia, MO 65203
Branch Office1310 Smiley LnColumbia, MO 65202-1934
Branch Office2101 W BroadwayColumbia, MO 65203
Branch Office3401 Buttonwood DrColumbia, MO 65201-3719

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