United Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

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

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

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

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

www.unitedcu.org

573-581-8651

802 E Breckenridge St
Mexico, MO 65265

United Credit Union is headquartered in Mexico and is the 18^th largest credit union in the state of Missouri. It is also the 1,063^rd largest credit union in the nation. It was established in 1935 and as of December of 2024, it had grown to 91 employees and 28,114 members at 7 locations. United Credit Union's CD rates are 56% higher than the national average, and it boasts 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.
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 #	63597
Year Chartered	1935
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	1.62%
Return on Equity - YTD	12%
Annual Interest Income	$13.9MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$277.5MM$273MM
Loans	Q4 2024vs Q4 2023	$190.2MM$214.5MM
Deposits	Q4 2024vs Q4 2023	$236.7MM$228.4MM
Equity Capital	Q4 2024vs Q4 2023	$36.9MM$32.8MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$3.1MM$3.1MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.3MM$1.7MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.54%

Our Rating

4.2 / 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

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

3.70%

Our Rating

4.3 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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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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
0.25%	$1	-	Share Savings Accounts
0.25%	$1	-	Special Shares
0.25%	$1	-	Christmas Club

United Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$50k^*	-	Money Market Account
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.30% → $10k - $20k \| 0.35% → $20k - $50k
0.45%^*	$50k^*	-	IRA Money Market Account
OTHER TIERS: 0.25% → $2.5k - $10k \| 0.30% → $10k - $20k \| 0.35% → $20k - $50k

United Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%^*	$0	$25k	Reward Checking
OTHER TIERS: 0.25% → $25k+

United Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.33%	$500	-	9 Month CD Special
2.50%	$500	-	60 Month CD
2.25%	$500	-	48 Month CD
2.00%	$500	-	36 Month CD
1.75%	$500	-	24 Month CD
1.50%	$500	-	18 Month CD
1.40%	$500	-	12 Month CD
1.25%	$500	-	6 Month CD
1.10%	$500	-	3 Month CD
0.50%	$50	-	12 Month Simple Saver CD

United Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.33%	$500	-	9 Month IRA Special
2.50%	$500	-	60 Month IRA
2.25%	$500	-	48 Month IRA
2.00%	$500	-	36 Month IRA
1.75%	$500	-	24 Month IRA
1.50%	$500	-	18 Month IRA
1.40%	$500	-	12 Month IRA
1.25%	$500	-	6 Month IRA
1.10%	$500	-	3 Month IRA
0.25%	$1	-	IRA Shares

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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