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MECE Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: September 22, 2026
MECE Credit Union's 48 Month IRA & HSA CDs rates are at 4.65%, IRA & HSA CDs - 48 month Jumbo IRA rates are at 4.65%, 48 month Jumbo IRA rates are at 4.55%, 60 Month IRA & HSA CDs rates are at 4.54%, IRA & HSA CDs - 60 month Jumbo IRA rates are at 4.54%. MECE Credit Union's savings rates are at 1.25%. MECE Credit Union's Personal Loan Rates are as low as 6.00%. MECE Credit Union's Credit Card Rates are at 8.00%. MonitorBankRates evaluates the financial stability of MECE Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.37%. Rates last updated and verified on 09/22/2026.
MECE 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 MECE Credit Union? Share your experience about MECE Credit Union by leaving a review below, or read customer reviews before you decide to use MECE Credit Union.
MECE Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
MECE Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.37%
ExcellentLower than avg
MECE Credit Union Texas Ratio
MECE Credit Union's Texas Ratio is 0.37%, which is considered excellent and is lower than the national average of 6.13%.
MECE Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.04% to 0.37% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q2 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Equity
8.25%
-
8.25%
DetailsSecondary
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Loans Home Equity Residence Type Secondary
8.25%
-
8.25%
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
MECE Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto & Motorcycle Loans
-
-
3.75%
36 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
4.25%
60 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
4.50%
72 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
4.75%
36 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
5.00%
48 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
5.25%
60 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
5.50%
84 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans
-
-
6.00%
72 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2024 & Newer
-
-
7.50%
36 Months
DetailsRate with Maximum Discount*: 3.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 36 Months
3.75%
-
7.50%
36 Months
DetailsYear 2024 & Newer; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2024 & Newer
7.50%
-
7.50%
36 Months
DetailsRate with Maximum Discount*: 3.75%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2024 & Newer
-
-
8.00%
60 Months
DetailsRate with Maximum Discount*: 4.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 60 Months
4.25%
-
8.00%
60 Months
DetailsYear 2024 & Newer; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2024 & Newer
8.00%
-
8.00%
60 Months
DetailsRate with Maximum Discount*: 4.25%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2024 & Newer
-
-
8.25%
72 Months
DetailsRate with Maximum Discount*: 4.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 72 Months
4.50%
-
8.25%
72 Months
DetailsYear 2024 & Newer; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2024 & Newer
8.25%
-
8.25%
72 Months
DetailsRate with Maximum Discount*: 4.50%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2023 & Older
-
-
8.50%
36 Months
DetailsRate with Maximum Discount*: 4.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 36 Months
4.75%
-
8.50%
36 Months
DetailsYear 2023 & Older; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2023 & Older
8.50%
-
8.50%
36 Months
DetailsRate with Maximum Discount*: 4.75%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2023 & Older
-
-
8.75%
48 Months
DetailsRate with Maximum Discount*: 5.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 48 Months
5.00%
-
8.75%
48 Months
DetailsYear 2023 & Older; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2023 & Older
8.75%
-
8.75%
48 Months
DetailsRate with Maximum Discount*: 5.00%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2023 & Older
-
-
9.00%
60 Months
DetailsRate with Maximum Discount*: 5.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 60 Months
5.25%
-
9.00%
60 Months
DetailsYear 2023 & Older; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2023 & Older
9.00%
-
9.00%
60 Months
DetailsRate with Maximum Discount*: 5.25%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2024 & Newer
-
-
9.25%
84 Months
DetailsRate with Maximum Discount*: 5.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 84 Months
5.50%
-
9.25%
84 Months
DetailsYear 2024 & Newer; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2024 & Newer
9.25%
-
9.25%
84 Months
DetailsRate with Maximum Discount*: 5.50%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 2023 & Older
-
-
9.75%
72 Months
DetailsRate with Maximum Discount*: 6.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans - 72 Months
6.00%
-
9.75%
72 Months
DetailsYear 2023 & Older; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Auto & Motorcycle Loans Year 2023 & Older
9.75%
-
9.75%
72 Months
DetailsRate with Maximum Discount*: 6.00%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
MECE Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan
-
-
6.00%
60-120 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
MECE Credit Union Credit Card Rates
Product
Rate
APR
View More
Personal Loans Platinum Visa (with credit score 650 or >)
8.00%
8.00%
DetailsRate with Maximum Discount*: 7.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Platinum Visa
-
8.00%
DetailsCredit score 650 or >
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Platinum Visa (with credit score of less than 650)
12.50%
12.50%
DetailsRate with Maximum Discount*: 12.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Platinum Visa
-
12.50%
DetailsCredit score of less than 650
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
MECE Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loans Short-term Personal (with credit score 650 or >)
6.00%
18 Months
DetailsRate with Maximum Discount*: 5.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Student
6.00%
60-120 Months
DetailsRate with Maximum Discount*: 5.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Short-term Personal Loan (with credit score 650 or >)
6.00%
18 Months
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Home Improvement
7.00%
60 Months
DetailsRate with Maximum Discount*: 6.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Platinum Visa (with credit score 650 or >)
8.00%
Revolving
DetailsRate with Maximum Discount*: 7.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Platinum Personal Loan
9.00%
60 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Short-term Personal (with credit score of less than 650)
11.00%
18 Months
DetailsRate with Maximum Discount*: 10.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Short-term Personal Loan
11.00%
18 Months
DetailsCredit score of less than 650
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Platinum Visa (with credit score of less than 650)
12.50%
Revolving
DetailsRate with Maximum Discount*: 12.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loan
13.00%
60 Months
No additional details.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Personal Loans Line of Credit
14.50%
24 Months
DetailsRate with Maximum Discount*: 14.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
MECE Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Construction Loan
7.25%
-
7.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Construction Loan
-
-
7.25%
DetailsResidence Type; *Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Improvement Loan
-
-
7.00%
60 Months
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Loans Construction Residence Type
7.25%
-
7.25%
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Loans Land - 10 Year Adjustable Residence Type
6.75%
-
6.75%
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Home Loans Land - 5 Year Adjustable Residence Type
6.25%
-
6.25%
DetailsAutomatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 10 Year Adjustable
6.75%
-
6.75%
DetailsResidence Type: Rate*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 10 Year Adjustable Loan
6.75%
-
6.75%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 10 Year Adjustable Loan
-
-
6.75%
DetailsResidence Type; *Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 5 Year Adjustable
6.25%
-
6.25%
DetailsResidence Type: Rate*
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 5 Year Adjustable Loan
6.25%
-
6.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Land - 5 Year Adjustable Loan
-
-
6.25%
DetailsResidence Type; *Automatic payment rate discount is -0.25% (excluding mortgage, home equity, and share/CD secured loans).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Line of Credit
-
-
14.50%
24 Months
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans
-
-
8.75%
48 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*: 5.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans
-
-
9.25%
60 Months
DetailsYear: 2024 & Newer; Rate with Maximum Discount*: 5.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans
-
-
9.75%
36 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*: 6.00%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans
-
-
10.00%
48 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*: 6.25%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans
-
-
10.25%
60 Months
DetailsYear: 2023 & Older; Rate with Maximum Discount*: 6.50%
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans Year 2023 & Older
9.75%
-
9.75%
36 Months
DetailsRate with Maximum Discount*: 6.00%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans Year 2023 & Older
10.00%
-
10.00%
48 Months
DetailsRate with Maximum Discount*: 6.25%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans Year 2023 & Older
10.25%
-
10.25%
60 Months
DetailsRate with Maximum Discount*: 6.50%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans Year 2024 & Newer
8.75%
-
8.75%
48 Months
DetailsRate with Maximum Discount*: 5.00%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Other Titled Collateral Loans Year 2024 & Newer
9.25%
-
9.25%
60 Months
DetailsRate with Maximum Discount*: 5.50%; Rate discounts on the above are based on the following credit scores: 780 or greater - 3.50%, 700 to 779 - 3.00%, and 650 to 699 - 2.00%. Balloon note option available for amortization up to 15 years. Automatic payment rate discount is -0.25% (excluding mortgage and home equity).
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 12 Months
4.10%
-
4.18%
12 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 18 Months
4.10%
-
4.18%
18 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 24 Months
4.15%
-
4.23%
24 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 3 Months
3.50%
-
3.56%
3 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 36 Months
4.15%
-
4.23%
36 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 48 Months
4.40%
-
4.49%
48 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 6 Months
3.90%
-
3.97%
6 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
IRA & HSA Certificates - 60 Months
4.30%
-
4.39%
60 Months
Min Deposit$500
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Primary Share
-
-
1.26%
Min Deposit$25
DetailsDividends paid monthly. Free overdraft protection. No monthly service charges. Unlimited check writing.
Last Updated09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.37%
Financial Health History
MECE Credit Union’s Texas Ratio stayed near 0.04% in Q2 2023 to 0.37% 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
$388M
0.37%
5.0
A+
December 31, 2025
$366M
0.43%
5.0
A+
September 30, 2025
$359M
0.48%
5.0
A+
June 30, 2025
$351M
0.64%
5.0
A+
March 31, 2025
$344M
0.33%
5.0
A+
December 31, 2024
$328M
0.17%
5.0
A+
September 30, 2024
$327M
0.28%
5.0
A+
June 30, 2024
$321M
0.36%
5.0
A+
March 31, 2024
$321M
0.21%
5.0
A+
December 31, 2023
$313M
0.37%
5.0
A+
September 30, 2023
$310M
0.09%
5.0
A+
June 30, 2023
$304M
0.04%
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 MECE 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 MECE 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 MECE Credit Union's official website for the most current offers and terms.
Address
2722 E McCarty St,
Jefferson City, MO 65101-4428
Phone573-634-2595
Fax573-635-9781
PresidentChrista Baumhoer
CEORandy Marks
Full-Time Employees18
Part-Time Employees2
Branch Locations1
ATM Locations0
NCUA Insured✓ Yes — Up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.37%
Return on Assets (ROA)
0.3503%
Return on Equity (ROE)
3.1184%
Non-Performing Loans Ratio (NPL)
0.07%
Total Assets
387,800,134
Total Amount of Shares and Deposits
336,087,707
Total Shares and Deposits < 1 Year
290,227,003
Total Shares and Deposits 1 3 Years
27,408,616
Total Shares and Deposits > 3 Years
18,452,088
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,676,119
Total Uninsured Shares and Deposits > $250K (F+J)
40,676,119
Total Insured Shares and Deposits > $250K (item 17 less item K)
295,411,588
Total Interest Expense (Sum of items 6 8)
2,364,351
Share Certificates
3,233
Number of Accounts for Share Drafts
6,976
IRA KEOGH Accounts
841
Number of Accounts for Regular Shares
17,159
All other shares
4,662
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)
742,257
Total Liabilities
349,940,681
Source: NCUA — Last Updated 03/31/2026
2026 MBR Health & Safety Badge
MECE 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About MECE Credit Union
How many branches does MECE Credit Union operate?
MECE 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 MECE Credit Union?
Yes, to access services at MECE 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, MECE 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, MECE Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does MECE Credit Union offer online and mobile banking?
Most modern institutions like MECE 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.mececu.com.
Current MECE Credit Union Rates
12-Month CD4.10%
18-Month CD4.10%
24-Month CD4.15%
60-Month CD4.30%
Savings1.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
