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South Central Missouri Credit Union

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South Central Missouri Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, South Central Missouri 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 23, 2026

South Central Missouri Credit Union's Personal Loan Rates are as low as 12.00%. MonitorBankRates evaluates the financial stability of South Central Missouri Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.39%. Rates last updated and verified on 09/23/2026.

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

Verified Healthy 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

4.39%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

South Central Missouri Credit Union
District 9 Highway Employees Credit Union

901 E Main St
Willow Springs, MO 65793

https://www.creditunionmo.com

South Central Missouri Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	6.00%	Up to 84 months
Details Credit Score: 750+; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	6.50%	Up to 84 months
Details Credit Score: 700 - 749; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	6.75%	60 months
Details Credit Score: 750+; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.00%	Up to 84 months
Details Credit Score: 675 - 699; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.00%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: 750+; Loan to Value: 100% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.00%	54 months
Details Term: 54 months - Model years 2020 -2015; Credit Score: 750+; Loan to Value: 100% of NADA clean retail; Model Years: 2020 -2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.00%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: 750+; Loan to Value: 100% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.00%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: 750+; Loan to Value: 100% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.25%	60 months
Details Credit Score: 700 - 749; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.50%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: 700 - 749; Loan to Value: 100% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.50%	54 months
Details Term: 54 months - Model years 2020-2015; Credit Score: 700 - 749; Loan to Value: 100% of NADA clean retail; Model Years: 2020-2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.50%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: 700 - 749; Loan to Value: 100% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.50%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: 700 - 749; Loan to Value: 100% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.75%	Up to 72 months
Details Credit Score: 625 - 674; Loan to Value: 95% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	7.75%	60 months
Details Credit Score: 675 - 699; Loan to Value: 100% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.00%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: 675 - 699; Loan to Value: 100% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.00%	54 months
Details Term: 54 months - Model years 2020 -2015; Credit Score: 675 - 699; Loan to Value: 100% of NADA clean retail; Model Years: 2020 -2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.00%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: 675 - 699; Loan to Value: 100% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.00%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: 675 - 699; Loan to Value: 100% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.25%	60 months
Details Credit Score: 700 - 749; Loan to Value: 100% of book value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.50%	Up to 72 months
Details Credit Score: 600 - 624; Loan to Value: 95% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.50%	60 months
Details Credit Score: 625 - 674; Loan to Value: 95% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.75%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: 625 - 674; Loan to Value: 90% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.75%	54 months
Details Term: 54 months - Model years 2020 -2015; Credit Score: 625 - 674; Loan to Value: 90% of NADA clean retail; Model Years: 2020 -2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.75%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: 625 - 674; Loan to Value: 90% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	8.75%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: 625 - 674; Loan to Value: 90% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.25%	60 months
Details Credit Score: 600 0 624; Loan to Value: 95% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.50%	Up to 72 months
Details Credit Score: Below 600; Loan to Value: 90% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.50%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: 600 - 624; Loan to Value: 90% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.50%	54 months
Details Term: 54 months - Model years 2020 -2015; Credit Score: 600 - 624; Loan to Value: 90% of NADA clean retail; Model Years: 2020 -2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.50%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: 600 - 624; Loan to Value: 90% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	9.50%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: 600 - 624; Loan to Value: 90% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.25%	60 months
Details Credit Score: Below 600; Loan to Value: 90% of purchase price Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.25%	48 months
Details Credit Score: 600 - 624; Loan to Value: 90% of book value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.50%	60 months
Details Term: 60 months - Model years 2026 - 2021; Credit Score: Below 600; Loan to Value: 85% of NADA clean retail; Model Years: 2026 - 2021 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.50%	54 months
Details Term: 54 months - Model years 2020 -2015; Credit Score: Below 600; Loan to Value: 85% of NADA clean retail; Model Years: 2020 -2015 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.50%	48 months
Details Term: 48 months - Model years 2014 - 2009; Credit Score: Below 600; Loan to Value: 85% of NADA clean retail; Model Years: 2014 - 2009 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	10.50%	36 months
Details Term: 36 months - Model years 2008 or older; Credit Score: Below 600; Loan to Value: 85% of NADA clean retail; Model Years: 2008 or older Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
Auto Loan	-	-	11.25%	48 months
Details Credit Score: Below 600; Loan to Value: 85% of book value Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

South Central Missouri Credit Union Personal Loan Rates

Product	APR	Term
UNSECURED SIGNATURE LOANS	12.00%	36 months
Details Credit Score: 750+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
UNSECURED SIGNATURE LOANS	13.00%	36 months
Details Credit Score: 700 - 749 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
UNSECURED SIGNATURE LOANS	14.00%	36 months
Details Credit Score: 675 - 699 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
UNSECURED SIGNATURE LOANS	15.00%	36 months
Details Credit Score: 625 - 674 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

South Central Missouri Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
ALL ACCOUNTS	0.25%	-	0.25%
Details Balance: $0.00 - $999999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

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

South Central Missouri Credit Union’s Texas Ratio rose from 2.13% in Q2 2023 to 4.39% 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 — 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
March 31, 2026	$9M	4.39%	5.0	A+
December 31, 2025	$9M	5.84%	5.0	A+
September 30, 2025	$10M	5.68%	5.0	A+
June 30, 2025	$10M	4.48%	5.0	A+
March 31, 2025	$9M	3.80%	5.0	A+
December 31, 2024	$9M	4.29%	5.0	A+
September 30, 2024	$9M	4.83%	5.0	A+
June 30, 2024	$9M	2.38%	5.0	A+
March 31, 2024	$10M	2.33%	5.0	A+
December 31, 2023	$10M	1.58%	5.0	A+
September 30, 2023	$10M	1.79%	5.0	A+
June 30, 2023	$11M	2.13%	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 South Central Missouri 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 South Central Missouri 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 South Central Missouri Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name South Central Missouri Credit Union

Website https://www.creditunionmo.com

Address 901 E Main St, Willow Springs, MO 65793

Phone 417-469-6233

Fax 417-469-1101

President Richard Elijah

CEO Amy Walker

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

4.39%

Return on Assets (ROA)

0.0062%

Return on Equity (ROE)

0.0396%

Non-Performing Loans Ratio (NPL)

2.05%

Total Assets

9,240,734

Total Amount of Shares and Deposits

7,759,629

Total Shares and Deposits < 1 Year

7,759,629

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

7,759,629

Total Interest Expense (Sum of items 6 8)

12,741

Number of Accounts for Regular Shares

2,003

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)

1,066,751

Total Liabilities

7,792,834

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

South Central Missouri Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About South Central Missouri Credit Union

How many branches does South Central Missouri Credit Union operate?

South Central Missouri 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 South Central Missouri Credit Union?

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

Does South Central Missouri Credit Union offer online and mobile banking?

Most modern institutions like South Central Missouri 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.creditunionmo.com.