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Mercy Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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: May 10, 2026

Mercy Credit Union's 9 month** CDs of Deposit rates are at 4.30%, 18 month CDs of Deposit rates are at 4.00%, 12 month CDs of Deposit rates are at 3.50%, 6 month CDs of Deposit rates are at 2.50%, 3 month CDs of Deposit rates are at 2.00%. MonitorBankRates evaluates the financial stability of Mercy Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.69%. Rates were last updated on 05/10/2026.

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

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.69%
Excellent Lower than avg
Mercy Credit Union
Main Office
1444 E Sunshine St
SPRINGFIELD, MO 65804 1238
https://www.mymercycu.com
Member NCUA

Mercy Credit Union CD Rates

Product Rate APY Term View More
9 month** Certificates of Deposit - 4.30% 9 month**
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
18 month Certificates of Deposit - 4.00% 18 month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
12 month Certificates of Deposit - 3.50% 12 month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
6 month Certificates of Deposit - 2.50% 6 month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
3 month Certificates of Deposit - 2.00% 3 month
No additional details.
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%

Mercy Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 6.75%
Details (adjustable)
Last Updated 05/10/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.69%
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.
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Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Mercy 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 Mercy 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 Mercy Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mercy Credit Union
Website https://www.mymercycu.com
Address 1444 E Sunshine St, SPRINGFIELD, MO 65804 1238
Phone 417-820-2931
Fax 417-820-8011
President Christopher Bos
CEO Tammy Rowden
Full-Time Employees 20
Part-Time Employees 1
Branch Locations 6
ATM Locations 5
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
1.69%
Return on Assets (ROA)
1.1417%
Return on Equity (ROE)
9.1343%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
84,289,190
Total Amount of Shares and Deposits
73,074,676
Total Shares and Deposits < 1 Year
72,589,516
Total Shares and Deposits 1 3 Years
485,160
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,416,340
Total Uninsured Shares and Deposits > $250K (F+J)
1,416,340
Total Insured Shares and Deposits > $250K (item 17 less item K)
71,658,336
Total Interest Expense (Sum of items 6 8)
436,867
Share Certificates
214
Number of Accounts for Share Drafts
5,333
Number of Accounts for Regular Shares
17,591
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
7,156,431
Total Liabilities
73,835,406
Source: NCUA — Last Updated 09/30/2025
MonitorBankRates Verified Strong Badge 2026
2026 MBR Health & Safety Badge

Mercy Credit Union earned the Verified Strong badge

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Customer Reviews

There are no reviews for Mercy Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Mercy Credit Union

How many branches does Mercy Credit Union operate?

Mercy 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 Mercy Credit Union?

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

Does Mercy Credit Union offer online and mobile banking?

Most modern institutions like Mercy 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.mymercycu.com.

Current Mercy Credit Union Rates

  • 12-Month CD3.50%
  • 18-Month CD4.00%
Retrieved from our database of financial products. Rates subject to change.

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