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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 First Missouri Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 6, 2026
First Missouri Credit Union's 18 month CD rates are at 4.05%. First Missouri Credit Union's Personal Loan Rates are at 7.20%. MonitorBankRates evaluates the financial stability of First Missouri Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.19%. Rates were last updated on 04/06/2026. First Missouri Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Missouri Credit Union? Share your experience about First Missouri Credit Union by leaving a review below, or read customer reviews before you decide to use First Missouri Credit Union. First Missouri Credit Union
Main Office 1690 Lemay Ferry Rd
https://www.1stmocu.org Saint Louis, MO 63125 
First Missouri Credit Union CD Rates
First Missouri Credit Union Checking Rates
First Missouri Credit Union Mortgage Rates
First Missouri Credit Union Home Equity & HELOC
First Missouri Credit Union Credit Card Rates
First Missouri Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Missouri Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Missouri Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Missouri Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Missouri Credit Union
Website
https://www.1stmocu.org
Address
1690 Lemay Ferry Rd,
Saint Louis, MO 63125
Phone
314-544-5050
Fax
314-544-1088
President
Michael Stemmler
CEO
Steve Poniewaz
Full-Time Employees
29
Part-Time Employees
4
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.19%
Return on Assets (ROA)
0.2480%
Return on Equity (ROE)
2.3257%
Non-Performing Loans Ratio (NPL)
1.55%
Total Assets
113,763,274
Total Amount of Shares and Deposits
101,036,212
Total Shares and Deposits < 1 Year
98,038,537
Total Shares and Deposits 1 3 Years
2,592,205
Total Shares and Deposits > 3 Years
405,469
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,309,926
Total Uninsured Shares and Deposits > $250K (F+J)
1,309,926
Total Insured Shares and Deposits > $250K (item 17 less item K)
99,726,286
Total Interest Expense (Sum of items 6 8)
1,266,436
Share Certificates
531
Number of Accounts for Share Drafts
4,100
IRA KEOGH Accounts
50
Number of Accounts for Regular Shares
8,314
Non Member Deposits
9
Money Market Shares
354
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,930,193
Total Liabilities
102,209,668
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Missouri Credit UnionIs First Missouri Credit Union a safe place to deposit money?Yes, First Missouri Credit Union is considered a safe financial institution. With a Texas Ratio of 11.188563664004%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Missouri Credit Union operate?First Missouri Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Missouri Credit Union?Yes, to access services at First Missouri Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Missouri Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Missouri Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Missouri Credit Union offer online and mobile banking?Most modern institutions like First Missouri Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.1stmocu.org. Current First Missouri Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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