Missouri Electric Cooperatives Empl Credit Union
Verified rate book
Current Missouri Electric Cooperatives Empl Credit Union rates
38 published offers verified as of August 4, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Land - 5 Year Adjustable5 1 arm | 6.250% APR | 6.250% | — | Standard |
| Land - 10 Year Adjustable10 1 arm | 6.750% APR | 6.750% | — | Standard |
| Constructionother | 7.250% APR | 7.250% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loanheloc | 7.250% APR | 7.250% | — | Standard |
Personal loan rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Short-term Personal (with credit score 650 or >)personal | 6.000% APR | 6.000% | — | Standard |
| Home Improvementpersonal | 7.000% APR | 7.000% | — | Standard |
| Platinum Personalpersonal | 9.000% APR | 9.000% | — | Standard |
| Short-term Personal (with credit score of less than 650)personal | 11.000% APR | 11.000% | — | Standard |
| Personal Loanpersonal | 13.000% APR | 13.000% | — | Standard |
| Overdraft Line of Creditpersonal | 14.500% APR | 14.500% | — | Standard |
| Personal Line of Creditploc_variable | 14.500% APR | 14.500% | — | Standard |
Student loan rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Student Loanstudent | 6.000% APR | 6.000% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Visa (with credit score 650 or >)credit_card_platinum | 8.000% APR | 8.000% | — | Standard |
| Platinum Visa (with credit score of less than 650)credit_card_platinum | 12.500% APR | 12.500% | — | Standard |
Savings & CD rates
24 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 3-Month Certificatecd_3mo | 3.30% APY | 3.30% | 3 mo | Standard |
| 3 Months Jumbocd_3mo | 3.40% APY | 3.40% | 3 mo | Standard |
| 3 Months Jumbo+cd_3mo | 3.45% APY | 3.45% | 3 mo | Standard |
| 18-Month Certificatecd_18mo | 3.80% APY | 3.80% | 18 mo | Standard |
| 36-Month Certificatecd_36mo | 3.85% APY | 3.80% | 36 mo | Standard |
| 24-Month Certificatecd_24mo | 3.91% APY | 3.85% | 24 mo | Standard |
| 36 Months Jumbocd_36mo | 3.96% APY | 3.90% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 3.96% APY | 3.90% | 60 mo | Standard |
| 18 Months Jumbocd_18mo | 3.96% APY | 3.90% | 18 mo | Standard |
| 6-Month Certificatecd_6mo | 4.00% APY | 4.00% | 6 mo | Standard |
| 24 Months Jumbocd_24mo | 4.01% APY | 3.95% | 24 mo | Standard |
| 18 Months Jumbo+cd_18mo | 4.01% APY | 3.95% | 18 mo | Standard |
| 36 Months Jumbo+cd_36mo | 4.01% APY | 3.95% | 36 mo | Standard |
| 24 Months Jumbo+cd_24mo | 4.06% APY | 4.00% | 24 mo | Standard |
| 60 Months Jumbocd_60mo | 4.06% APY | 4.00% | 60 mo | Standard |
| 6 Months Jumbocd_6mo | 4.10% APY | 4.10% | 6 mo | Standard |
| 60 Months Jumbo+cd_60mo | 4.11% APY | 4.05% | 60 mo | Standard |
| 6 Months Jumbo+cd_6mo | 4.15% APY | 4.15% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 4.20% APY | 4.20% | 12 mo | Standard |
| 12 Months Jumbocd_12mo | 4.30% APY | 4.30% | 12 mo | Standard |
| 12 Months Jumbo+cd_12mo | 4.35% APY | 4.35% | 12 mo | Standard |
| 48-Month Certificatecd_48mo | 4.42% APY | 4.35% | 48 mo | Standard |
| 48 Months Jumbocd_48mo | 4.52% APY | 4.45% | 48 mo | Standard |
| 48 Months Jumbo+cd_48mo | 4.58% APY | 4.50% | 48 mo | Standard |
As of August 4, 2026, Missouri Electric Cooperatives Empl Credit Union offers a 5 1 arm mortgage at 6.25% APR. HELOC rates from 7.25% APR. Personal loan rates from 6% APR. Credit card rates from 8% APR. Savings and certificate yields up to 4.58% APY.
Source: RateAPI.dev, verified from Missouri Electric Cooperatives Empl Credit Union's official website
Latest available market position · Snapshot July 25, 2026
Missouri Electric Cooperatives Empl Credit Union statewide rate position
This dated snapshot compares the credit union's best published rate in each tracked product with other MO credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| HELOC (best offer) | 3.50% APR | #1 of 24 · top 5% | 3.50% | 6.50% | 300 bp better than state median |
| Personal Loan (unsecured, best offer) | 6.00% APR | #2 of 42 · top 5% | 5.68% | 10.66% | 466 bp better than state median |
| 12-Month CD (best APY) | 4.42% APY | #2 of 32 · top 7% | 6.00% | 3.50% | 92 bp better than state median |
Loading branch locator…
About Missouri Electric Cooperatives Empl Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 13.7K
- Assets
- $387.8M
- Founded
- 1975
- Locations reported
- 1
- NCUA charter
- 67739
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Missouri Electric Cooperatives Empl Credit Union
Membership eligibility from Missouri Electric Cooperatives Empl Credit Union's own published criteria. How we verify this.
Membership via employers (Rural Missouri Electric Cooperatives +8 more)
- EmployerRural Missouri Electric Cooperatives, KAMO Power, Northeast Oklahoma, Access Energy, Chariton Valley, Southern Iowa, Ozarks Electric (AR), AMEC, MECE Credit Union
Cost to join: About $25.
Verified from Missouri Electric Cooperatives Empl Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Missouri Electric Cooperatives Empl Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Missouri Electric Cooperatives Empl Credit Union ranks against Missouri peers.
Frequently Asked Questions
What rates does Missouri Electric Cooperatives Empl Credit Union offer?
Missouri Electric Cooperatives Empl Credit Union currently offers mortgage, HELOC, personal loan, student loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Missouri Electric Cooperatives Empl Credit Union rates updated?
RateAPI verifies Missouri Electric Cooperatives Empl Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Missouri Electric Cooperatives Empl Credit Union's rate data?
Rate data is collected directly from Missouri Electric Cooperatives Empl Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Missouri Electric Cooperatives Empl Credit Union's mortgage rate?
As of August 4, 2026, Missouri Electric Cooperatives Empl Credit Union offers a 5 1 arm mortgage at 6.25% APR.
What is Missouri Electric Cooperatives Empl Credit Union's HELOC rate?
As of August 4, 2026, Missouri Electric Cooperatives Empl Credit Union offers home equity lines of credit from 7.25% APR.
What is Missouri Electric Cooperatives Empl Credit Union's personal loan rate?
As of August 4, 2026, Missouri Electric Cooperatives Empl Credit Union offers personal loans from 6% APR.
What is Missouri Electric Cooperatives Empl Credit Union's best CD rate?
As of August 4, 2026, Missouri Electric Cooperatives Empl Credit Union offers savings and certificate (CD) yields up to 4.58% APY.
Related Rate Data
Compare Missouri Electric Cooperatives Empl Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Missouri Electric Cooperatives Empl Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when Missouri credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Missouri Electric Cooperatives Empl Credit Union
curl "https://api.rateapi.dev/credit-unions/missouri/missouri-electric-cooperatives-empl" \
-H "Authorization: Bearer YOUR_API_KEY"