What are the current interest rates at Joplin Metro Credit Union?

Current rates for Joplin Metro Credit Union include: 12-Month CD: 3.82%

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Joplin Metro Credit Union

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Joplin Metro Credit Union Rates & Review October 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 and Verified: October 9, 2026

Joplin Metro Credit Union's top rates as of October 9, 2026 are 4.07% APY on its 6 Month CD Terms, 2.28% APY on checking, personal loans from 10.99% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other Joplin Metro Credit Union CD rates include 1 Year CD Terms at 3.82%. 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 3.09%. Rates last updated and verified on 10/09/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Joplin Metro Credit Union
Joplin Metro Credit Union

3301 Texas Ave
Joplin, MO 64804

https://www.joplinmcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Joplin Metro Credit Union CD Rates

Product	Rate	APY	Term
6 Month CD Terms	4.00%	4.07%	6 Month
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
1 Year CD Terms	3.75%	3.82%	1 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Joplin Metro Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Checking	-	2.28%
Min Balance $25,000 Details Qualifications Required: valid email address; continuously enrolled in online banking and e-statements; at least 15 debit card transactions must post and clear in the monthly qualification cycle; at least (1) one ACH credit of $300 must be posted to the checking account in the monthly qualification cycle and not in pending status; Rate accurate as of 1/1/26. Earn dividends on your average daily balance up to $25,000 (subject to change without notification). Refund up to $15.00 in foreign ATM fees each month. No minimum balance required. Dividends deposited monthly into your checking account. The average daily balance method will be used to calculate dividends. No dividends will be paid if the account is closed prior to dividends being credited. Debit card transactions must post and clear during the monthly qualification cycle and may take one or more business days to clear. Pending transactions do not qualify. ATM transactions and transfers do not qualify. Monthly qualification cycle is the calendar month. The dividend rate and annual percentage yield* (APY) may change every month based on the determination of the credit union board of directors. Membership eligibility restrictions apply . Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.28% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Joplin Metro Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Pre-Owned Auto Loan	-	-	4.64%	60 month
Details As Low As; APR=Annual Percentage Rate (rate excludes loan fees) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39% Oct 1, 20264.64%▲ from 4.39% Sep 14, 20264.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan	-	-	5.14%	72 month
Details As Low As; APR=Annual Percentage Rate (rate excludes loan fees) Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89% Oct 1, 20265.14%▲ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Joplin Metro Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Credit Card	-	10.90%
Details As Low As; APR*=Annual Percentage Rate (excludes loan fees) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

Joplin Metro Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.99%
Details As Low As; APR*=Annual Percentage Rate (excludes loan fees) Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.09%

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.

Financial Health History

Joplin Metro Credit Union’s Texas Ratio rose from 1.30% in Q3 2023 to 3.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$58M	3.09%	5.0	A+
March 31, 2026	$56M	1.87%	5.0	A+
December 31, 2025	$56M	2.00%	5.0	A+
September 30, 2025	$53M	1.28%	5.0	A+
June 30, 2025	$52M	2.02%	5.0	A+
March 31, 2025	$51M	2.36%	5.0	A+
December 31, 2024	$50M	2.48%	5.0	A+
September 30, 2024	$49M	0.83%	5.0	A+
June 30, 2024	$48M	0.69%	5.0	A+
March 31, 2024	$49M	0.90%	5.0	A+
December 31, 2023	$49M	0.42%	5.0	A+
September 30, 2023	$48M	1.30%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 19

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+ (98/100)

Texas Ratio

3.09%

Return on Assets (ROA)

1.0312%

Return on Equity (ROE)

5.8176%

Non-Performing Loans Ratio (NPL)

0.78%

Total Assets

57,801,398

Total Amount of Shares and Deposits

47,312,434

Total Shares and Deposits < 1 Year

47,144,062

Total Shares and Deposits 1 3 Years

140,399

Total Shares and Deposits > 3 Years

27,973

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

317,598

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

317,598

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

46,994,836

Total Interest Expense (Sum of items 6 8)

113,175

Share Certificates

192

Number of Accounts for Share Drafts

3,186

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,118

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

329,927

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,636,674

Total Liabilities

47,555,849

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Joplin Metro Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/joplin-metro-credit-union-rates-review-64691">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Joplin Metro Credit Union

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.