United Credit Union

Overview / Commentary

www.unitedcu.org

573-581-8651

802 E Breckenridge St
Mexico, MO 65265

United Credit Union is headquartered in Mexico and is the 17^th largest credit union in the state of Missouri. It is also the 1,046^th largest credit union in the nation. It was established in 1935 and as of September of 2022, it had grown to 85 employees and 27,220 members at 7 locations. United Credit Union has an A health rating.

Field of Membership Restrictions

United Credit Union membership is open to those who live or work in Audrain, Adair, Callaway, Boone, Chariton, Lincoln, Howard, Linn, Macon, Monroe, Marion, Montgomery, Ralls, Pike, Randolph or Shelby counties.
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Health

Data as of Q3 2022

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Health Grade Components

Overall
NCUA #	63597
Year Chartered	1935
Employees	85
Primary Regulator

Profit Margin
Return on Assets - YTD	1.09%
Return on Equity - YTD	11.46%
Annual Interest Income	$7.3MM

Assets and Liabilities
Assets	Q3 2022vs Q3 2021	$278.0MM$255.5MM
Loans	Q3 2022vs Q3 2021	$194.6MM$169.5MM
Deposits	Q3 2022vs Q3 2021	$246.4MM$225.3MM
Equity Capital	Q3 2022vs Q3 2021	$26.3MM$26.2MM
Loan Loss Allowance	Q3 2022vs Q3 2021	$1.6MM$950.00K
Unbacked Noncurrent Loans	Q3 2022vs Q3 2021	$512.00K$103.00K
Real Estate Owned	Q3 2022vs Q3 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$1	-	Share Savings Accounts
0.15%	$1	-	Special Shares
0.15%	$1	-	Christmas Club
0.15%	$1	-	IRA Shares

United Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.20% → $2.5k - $20k \| 0.30% → $20k - $50k
0.35%^*	$50k^*	-	IRA Money Market Account
OTHER TIERS: 0.20% → $2.5k - $20k \| 0.30% → $20k - $50k

United Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$25k	Reward Checking
OTHER TIERS: 0.15% → $25k+
0.05%	$500	-	Checking Plus
0.05%	$1k	-	Business Checking Plus

United Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.23%	$500	-	16 Month CD Special
1.15%	$500	-	36 Month CD
1.00%	$500	-	24 Month CD
0.80%	$500	-	18 Month CD
0.75%	$500	-	12 Month CD
0.60%	$500	-	6 Month CD
0.50%	$500	-	3 Month CD
0.15%	$50	-	12 Month Simple Saver CD

United Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$500	-	60 Month IRA
1.25%	$500	-	48 Month IRA
1.15%	$500	-	36 Month IRA
1.00%	$500	-	24 Month IRA
0.80%	$500	-	18 Month IRA
0.75%	$500	-	12 Month IRA
0.60%	$500	-	6 Month IRA
0.50%	$500	-	3 Month IRA

Locations

United Credit Union Locations
Branch Office	1204 S Business 54	Fulton, MO 65251
Branch Office	210 W Washington St	Vandalia, MO 63382
Branch Office	1791 E Outer Rd	Moberly, MO 65270-4570
Branch Office	200 Main St	Troy, MO 63379
Branch Office	3421 Grindstone Pkwy	Columbia, MO 65201-5691
Branch Office	802 E Breckenridge St	Mexico, MO 65265
Branch Office	907 E Liberty St	Mexico, MO 65265

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