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Joplin Metro Credit Union

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Joplin Metro Credit Union Rates & Review April 2026

Q: Is a member application needed to join Joplin Metro Credit Union?

Yes, to access services at Joplin Metro 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Joplin Metro Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

Joplin Metro Credit Union's Personal Loan Rates are at 4.39%. MonitorBankRates evaluates the financial stability of Joplin Metro Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.31%. Rates were last updated on 04/25/2026.

Joplin Metro 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 Joplin Metro Credit Union? Share your experience about Joplin Metro Credit Union by leaving a review below, or read customer reviews before you decide to use Joplin Metro Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.31%

Excellent Lower than avg

Joplin Metro Credit Union
Joplin Metro Credit Union

3301 Texas Ave
Joplin, MO 64804

https://www.joplinmcu.com

Joplin Metro Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New and Used Auto Loan	-	-	4.39%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Joplin Metro Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	10.90%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Joplin Metro 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 Joplin Metro 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 Joplin Metro Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Joplin Metro Credit Union

Website https://www.joplinmcu.com

Address 3301 Texas Ave, Joplin, MO 64804

Phone 417-623-9816

Fax 417-627-1004

President Dennis Berryhill

CEO Christi Moorehouse

Full-Time Employees 17

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.31%

Return on Assets (ROA)

1.7686%

Return on Equity (ROE)

10.1443%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

53,465,853

Total Amount of Shares and Deposits

43,900,288

Total Shares and Deposits < 1 Year

43,449,598

Total Shares and Deposits 1 3 Years

430,690

Total Shares and Deposits > 3 Years

20,000

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

109,985

Total Uninsured Shares and Deposits > $250K (F+J)

109,985

Total Insured Shares and Deposits > $250K (item 17 less item K)

43,790,303

Total Interest Expense (Sum of items 6 8)

187,178

Share Certificates

170

Number of Accounts for Share Drafts

3,306

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,124

Net Income (unless the amount is already included in Undivided Earnings)

367,580

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,426,560

Total Liabilities

44,168,846

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Joplin Metro Credit Union

Is Joplin Metro Credit Union a safe place to deposit money?

Yes, Joplin Metro Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3102928454464%, 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 Joplin Metro Credit Union operate?

Joplin Metro 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 Joplin Metro Credit Union?

Yes, to access services at Joplin Metro 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, Joplin Metro 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, Joplin Metro Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Joplin Metro Credit Union offer online and mobile banking?

Most modern institutions like Joplin Metro 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.joplinmcu.com.