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 Members 1st Credit Union Saint Louis, MO Rates & Review November 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.
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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 and Verified: October 30, 2026
Members 1st Credit Union Saint Louis, MO's 75th Anniversary CDs of Deposit 12 Month rates are at 4.84%, 75th Anniversary CDs of Deposit 24 Month rates are at 4.58%, 75th Anniversary CDs of Deposit 36 Month rates are at 4.58%, 75th Anniversary CDs of Deposit 48 Month rates are at 4.58%, 75th Anniversary CDs of Deposit 6 Month rates are at 4.58%. Members 1st Credit Union Saint Louis, MO's money market rates are at 3.25%. Members 1st Credit Union Saint Louis, MO's Personal Loan Rates are as low as 9.00%. Members 1st Credit Union Saint Louis, MO's CD rates are 61% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Members 1st Credit Union Saint Louis, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates last updated and verified on 10/30/2026. Members 1st Credit Union Saint Louis, MO 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 Members 1st Credit Union Saint Louis, MO? Share your experience about Members 1st Credit Union Saint Louis, MO by leaving a review below, or read customer reviews before you decide to use Members 1st Credit Union Saint Louis, MO. Members 1st Credit Union Saint Louis, MO
Mattis Road 4702 Mattis Rd
https://www.me1stcu.com Saint Louis, MO 63128  Customer Reviews
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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. Members 1st Credit Union Saint Louis, MO CD Rates
Members 1st Credit Union Saint Louis, MO Savings Rates
Members 1st Credit Union Saint Louis, MO Money Market Rates
Members 1st Credit Union Saint Louis, MO Home Equity & HELOC
Members 1st Credit Union Saint Louis, MO Auto Loan Rates
Members 1st Credit Union Saint Louis, MO RV, Boat and Powersport Loan Rates
Members 1st Credit Union Saint Louis, MO Personal Loan Rates
Members 1st Credit Union Saint Louis, MO Other Rates
Financial Health HistoryMembers 1st Credit Union Saint Louis, MO’s Texas Ratio rose from 0.18% in Q3 2023 to 1.59% 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Members 1st Credit Union Saint Louis, MO 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 Members 1st Credit Union Saint Louis, MO 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 Members 1st Credit Union Saint Louis, MO's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Members 1st Credit Union Saint Louis, MO
Website
https://www.me1stcu.com
Address
4702 Mattis Rd,
Saint Louis, MO 63128
Phone
314-487-5628
Fax
314-845-0974
President
Colin McPherron
CEO
Brian Eyestone
Full-Time Employees
16
Part-Time Employees
0
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+ (99/100)
Texas Ratio
1.59%
Return on Assets (ROA)
0.4017%
Return on Equity (ROE)
4.1165%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
76,457,722
Total Amount of Shares and Deposits
67,593,656
Total Shares and Deposits < 1 Year
66,196,068
Total Shares and Deposits 1 3 Years
1,175,724
Total Shares and Deposits > 3 Years
221,864
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,698,916
Total Uninsured Shares and Deposits > $250K (F+J)
6,698,916
Total Insured Shares and Deposits > $250K (item 17 less item K)
60,894,740
Total Interest Expense (Sum of items 6 8)
475,712
Share Certificates
253
Number of Accounts for Share Drafts
2,145
IRA KEOGH Accounts
126
Number of Accounts for Regular Shares
4,788
Money Market Shares
371
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)
4,101,163
Total Liabilities
68,996,485
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Members 1st Credit Union Saint Louis, MODoes Members 1st Credit Union Saint Louis, MO offer CDs?Yes. Members 1st Credit Union Saint Louis, MO current CD rates include its 75th Anniversary CDs of Deposit 12 Month at 4.839% APY, its 75th Anniversary CDs of Deposit 24 Month at 4.583% APY and its 75th Anniversary CDs of Deposit 36 Month at 4.583% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Members 1st Credit Union Saint Louis, MO NCUA insured?Yes. Members 1st Credit Union Saint Louis, MO is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Members 1st Credit Union Saint Louis, MO?The highest Members 1st Credit Union Saint Louis, MO CD rate is its 75th Anniversary CDs of Deposit 12 Month at 4.839% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Members 1st Credit Union Saint Louis, MO offer?Members 1st Credit Union Saint Louis, MO CD rates are 4.583% APY for a 6 month CD, 4.839% APY for a 12 month CD, 4.583% APY for a 2 year CD, 4.583% APY for a 3 year CD, 4.583% APY for a 4 year CD and 3.80% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Members 1st Credit Union Saint Louis, MO for its full lineup. What is the highest money market rate at Members 1st Credit Union Saint Louis, MO?The highest Members 1st Credit Union Saint Louis, MO money market rate is its Money Market at 3.247% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Members 1st Credit Union Saint Louis, MO?The lowest Members 1st Credit Union Saint Louis, MO auto loan rate is its New & Used Auto at 4.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Members 1st Credit Union Saint Louis, MO?The lowest Members 1st Credit Union Saint Louis, MO personal loan rate is its Signature Loan at 9.00% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Members 1st Credit Union Saint Louis, MO operate?Members 1st Credit Union Saint Louis, MO 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 Members 1st Credit Union Saint Louis, MO?Yes, to access services at Members 1st Credit Union Saint Louis, MO, 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, Members 1st Credit Union Saint Louis, MO 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, Members 1st Credit Union Saint Louis, MO provides members with tools to manage their accounts and build a solid financial history. Does Members 1st Credit Union Saint Louis, MO offer online and mobile banking?Most modern institutions like Members 1st Credit Union Saint Louis, MO 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.me1stcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Members 1st Credit Union Saint Louis, MO rates compare?Members 1st Credit Union Saint Louis, MO's CD rates are 61% higher than the MonitorBankRates national average, and it has an A+ health rating. Members 1st Credit Union Saint Louis, MO's top rates are its 75th Anniversary CDs of Deposit 12 Month at 4.839% APY, its Money Market at 3.247% APY and its Signature Loan at 9.00% APR, verified by MonitorBankRates on October 30, 2026. Current Members 1st Credit Union Saint Louis, MO Rates
Retrieved from our database of financial products. Rates subject to change.
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