What are the current interest rates at Northwest Missouri Regional Credit Union?

Current rates for Northwest Missouri Regional Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.75%, 24-Month CD: 2.00%

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Northwest Missouri Regional Credit Union

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Northwest Missouri Regional Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northwest Missouri Regional 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: September 22, 2026

Northwest Missouri Regional Credit Union's 7 Month CD rates are at 3.55%, 24 Month CD rates are at 2.00%, 18 Month CD rates are at 1.75%, 12 Month CD rates are at 1.50%, 6 Month CD rates are at 1.00%. Northwest Missouri Regional Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.25%. MonitorBankRates evaluates the financial stability of Northwest Missouri Regional Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.07%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 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

2.07%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northwest Missouri Regional Credit Union
Northwes Missouri Regional Credit Union

26155 Stoll Country Ln
Maryville, MO 64468-7391

https://www.nwmrcu.org

Northwest Missouri Regional Credit Union CD Rates

Product	Rate	APY	Term
7 Month Share Certificate	-	3.55%	7 month
Min Deposit $500 Min Balance $10,000 Details Share Certificate Special. Rates subject to change at anytime. Contact the Credit Union for more details! A Share Certificate is an interest bearing deposit account with a fixed term. The dividend rate is generally higher than a Share Savings Account. Dividends are calculated and paid monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
24 Month Share Certificate	2.00%	2.00%	24 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
18 Month Share Certificate	1.75%	1.75%	18 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
12 Month Share Certificate	1.50%	1.50%	12 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
6 Month Share Certificate	1.00%	1.00%	6 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Northwest Missouri Regional Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan	-	-	4.99%
Details Rate Specials. New Vehicles. Certain restrictions apply. Rates based on credit score and can be discontinued at anytime. More Info* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vehicle Loan	-	-	6.99%
Details Rate Specials. Used Vehicles. Certain restrictions apply. Rates based on credit score and can be discontinued at anytime. More Info* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vintage Autos 1990 & Older & Above	6.99%	-	8.49%	62 months
Details $12,501; Published APR range: 6.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vintage Autos 1990 & Older - Loan	6.99%	-	8.49%	26 months
Details $0 - $5,000; Published APR range: 6.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vintage Autos 1990 & Older - Loan	6.99%	-	8.49%	38 months
Details $5,001 - $7,500; Published APR range: 6.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Vintage Autos 1990 & Older - Loan	6.99%	-	8.49%	50 months
Details $7,501 - $12,500; Published APR range: 6.99% to 16.49%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New Autos, 100% Financed	7.00%	-	8.50%	up to 74 months
Details Published APR range: 7.0% to 16.5%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2023-2025	7.50%	-	9.00%	62 months
Details Published APR range: 7.5% to 17.0%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2021-2022	8.00%	-	9.50%	50 months
Details Published APR range: 8.0% to 17.5%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2018-2020	8.25%	-	9.75%	44 months
Details Published APR range: 8.25% to 17.75%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2018-2020 - Loan	8.50%	-	10.00%	50 months
Details Over $10,000; Published APR range: 8.50% to 18.0%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2018-2020 - Loan	8.50%	-	10.00%	56 months
Details Over $15,000; Published APR range: 8.50% to 18.0%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2011-2017	11.00%	-	12.50%	38 months
Details Published APR range: 11.00% to 20.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Autos, 2010 & Older	13.75%	-	15.25%	32 months
Details Published APR range: 13.75% to 23.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Northwest Missouri Regional Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats Loan	6.75%	8.25%	74 months
Details Published APR range: 6.75% to 16.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New Motorcycles, ATVs, Snowmobiles, Personal Watercraft, Trailers Loan	6.75%	8.25%	62 months
Details Published APR range: 6.75% to 16.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New RVs and Campers Loan	6.75%	8.25%	74 months
Details Published APR range: 6.75% to 16.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
New RVs and Campers Loan	6.75%	8.25%	122 months
Details Over $20,000; Published APR range: 6.75% to 16.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Boats Loan	7.75%	9.25%	62 months
Details Published APR range: 7.75% to 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Motorcycles, ATVs, Snowmobiles, Personal Watercraft, Trailers Loan	7.75%	9.25%	50 months
Details Published APR range: 7.75% to 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used RVs and Campers Loan	7.75%	9.25%	74 months
Details Published APR range: 7.75% to 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used RVs and Campers Loan	7.75%	9.25%	122 months
Details Over $20,000; Published APR range: 7.75% to 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Northwest Missouri Regional Credit Union Personal Loan Rates

Product	APR	Term
New Motorcycles, ATVs, Snowmobiles, Personal Watercraft, Trailers Loan	8.25%	62 months
Details Published APR range: 6.75% to 16.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Unsecured Loan (A - C) to $1,000	9.00%	14 months
Details $500; Published APR range: 7.50% to 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Unsecured Loan (A - C) to $3,000	9.00%	20 months
Details $1,001; Published APR range: 7.50% to 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Unsecured Loan (A - C) to $5,000	9.00%	26 months
Details $3,001; Published APR range: 7.50% to 17.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Used Motorcycles, ATVs, Snowmobiles, Personal Watercraft, Trailers Loan	9.25%	50 months
Details Published APR range: 7.75% to 17.25%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Signature Loan (A - E)	14.00%	44 months
Details Up to $5,000; Published APR range: 12.50% to 22.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Term Signature, Loan	14.00%	6 months
Details Up to $5,000; Published APR range: 12.50% to 22.00%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

Northwest Missouri Regional Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder, Loan	-	-	18.00%	12 months
Details $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Helping Hands, Loan	-	-	25.00%	90 days
Details $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Share Account Dividends	0.15%	-	0.15%
Min Balance $100 Details Balance: $100 - $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Share Account Dividends	0.15%	-	0.15%
Min Balance $5,001 Details Balance: $5,001 - $20,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Share Account Dividends	0.15%	-	0.15%
Min Balance $20,001 Details Balance: $20,001 - $40,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Share Account Dividends	0.15%	-	0.15%
Min Balance $40,001 Details Balance: $40,001 - $60,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%
Share Account Dividends	0.15%	-	0.15%
Min Balance $60,001 Details Balance: $60,001 - $9,999,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.07%

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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Financial Health History

Northwest Missouri Regional Credit Union’s Texas Ratio rose from 0.36% in Q2 2023 to 2.07% in Q1 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)

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
March 31, 2026	$12M	2.07%	5.0	A+
December 31, 2025	$11M	0.96%	5.0	A+
September 30, 2025	$11M	0.66%	5.0	A+
June 30, 2025	$11M	1.86%	5.0	A+
March 31, 2025	$11M	0.99%	5.0	A+
December 31, 2024	$10M	4.94%	5.0	A+
September 30, 2024	$11M	7.56%	5.0	A
June 30, 2024	$11M	3.66%	5.0	A+
March 31, 2024	$11M	1.41%	5.0	A+
December 31, 2023	$11M	0.55%	5.0	A+
September 30, 2023	$11M	0.74%	5.0	A+
June 30, 2023	$12M	0.36%	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 Northwest Missouri Regional 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 Northwest Missouri Regional 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 Northwest Missouri Regional Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northwest Missouri Regional Credit Union

Website https://www.nwmrcu.org

Address 26155 Stoll Country Ln, Maryville, MO 64468-7391

Phone 660-582-5747

Fax 660-582-3626

President Becky Byland

CEO Amy Johnson

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 3

ATM Locations 1

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

2.07%

Return on Assets (ROA)

0.1866%

Return on Equity (ROE)

1.6645%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

11,637,301

Total Amount of Shares and Deposits

10,216,588

Total Shares and Deposits < 1 Year

10,210,442

Total Shares and Deposits 1 3 Years

6,145

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

13,853

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

13,853

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

10,202,735

Total Interest Expense (Sum of items 6 8)

10,782

Share Certificates

Number of Accounts for Share Drafts

692

Number of Accounts for Regular Shares

2,293

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)

1,123,697

Total Liabilities

10,332,318

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Northwest Missouri Regional Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Northwest Missouri Regional Credit Union

How many branches does Northwest Missouri Regional Credit Union operate?

Northwest Missouri Regional 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 Northwest Missouri Regional Credit Union?

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

Does Northwest Missouri Regional Credit Union offer online and mobile banking?

Most modern institutions like Northwest Missouri Regional 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.nwmrcu.org.