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Missouri Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.80%
Our Rating
4.3  / 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 4/19/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 690th largest credit union in the nation. It was established in 1969 and as of December of 2024, it had grown to 76 employees and 36,848 members at 7 locations. Missouri Credit Union's money market rates are 8X the national average, and it has 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #65656
Year Chartered1969
Employees76
Primary Regulator
Profit Margin
Return on Assets - YTD0.98%
Return on Equity - YTD9.83%
Annual Interest Income$27.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$565.7MM$537.3MM
LoansQ4 2024vs Q4 2023$315.6MM$333.6MM
DepositsQ4 2024vs Q4 2023$501.5MM$477.5MM
Equity CapitalQ4 2024vs Q4 2023$56.1MM$49.6MM
Loan Loss AllowanceQ4 2024vs Q4 2023$2.7MM$2.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$550K$673K
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
4.54%
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
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.80%
Our Rating
4.3  / 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 4/19/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/19/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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Always verify rates and promotions with the bank or credit union. We are not Missouri Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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
4.37%$500-7 Month CD Special
3.39%$500-60 Month CD
3.39%$20-60 Month Payroll Deposit CD
2.99%$500-48 Month CD
2.99%$20-48 Month Payroll Deposit CD
2.84%$500-36 Month CD
2.84%$20-36 Month Payroll Deposit CD
2.42%$500-12 Month CD
2.42%$20-12 Month Payroll Deposit CD

Missouri Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.35%*$50k*-IRA Investment Savings
OTHER TIERS: 4.32% → $0 - $50k
4.37%$500-7 Month IRA Special
3.39%$500-60 Month IRA
2.99%$500-48 Month IRA
2.84%$500-36 Month IRA
2.42%$500-12 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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