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United Credit Union Mexico, MO Rates & Review September 2026

United Credit Union Mexico, MO's 11 Month Regular and IRA CD rates are at 3.92%, 30 Month Regular and IRA CD rates are at 3.92%, 55 Month Regular and IRA CD rates are at 3.92%, 60 Month Regular and IRA CD rates are at 2.50%, 48 Month Regular and IRA CD rates are at 2.25%. United Credit Union Mexico, MO's money market rates are at 0.25%. United Credit Union Mexico, MO's USDA Mortgage rates are at 6.75%, FHA Mortgage rates are at 6.88%, VA Mortgage rates are at 6.88%. United Credit Union Mexico, MO's Student Loan Rates are as low as 2.09%. United Credit Union Mexico, MO's Credit Card Rates are at 9.50%. MonitorBankRates evaluates the financial stability of United Credit Union Mexico, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.61%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
1.61%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
United Credit Union Mexico, MO
Operations
2401 Lakeview Rd
Mexico, MO 65265-1301
https://www.unitedcu.org
Member NCUA

United Credit Union Mexico, MO CD Rates

Product Rate APY Term View More
11 Month Regular and IRA Share Certificate 3.85% 3.92% 11 Month Special
Min Balance $500
Details Automatically renews into a 6-month certificate upon maturity. For a limited time only.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
30 Month Regular and IRA Share Certificate 3.85% 3.92% 30 Month Special
Min Balance $500
Details Automatically renews into a 24-month certificate upon maturity. For a limited time only.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
55 Month Regular and IRA Share Certificate 3.85% 3.92% 55 Month Special
Min Balance $500
Details Automatically renews into a 48-month certificate upon maturity. For a limited time only.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
60 Month Regular and IRA Share Certificate 2.50% 2.50% 60 Months
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
48 Month Regular and IRA Share Certificate 2.25% 2.25% 48 Months
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
36 Month Regular and IRA Share Certificate 2.00% 2.00% 36 Months
Min Balance $500
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Savings Rates

Product Rate APY View More
Regular Shares, Special Shares, Christmas Club and IRA Shares 0.25% 0.25%
Details There is a $1.00 share requirement for each member number that will be held in your regular share account for as long as the account is open.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Money Market Rates

Product Rate APY View More
Money Market Accounts 0.45% 0.45%
Min Balance $50,000
Details Balance: $50,000 and over; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.35% 0.35%
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.35% 0.35%
Min Balance $20,000
Details Balance: $20,000 - $49,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.30% 0.30%
Min Balance $10,000
Details Balance: $10,000 - $19,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.30% 0.30%
Min Balance $10,000
Details Balance: $10,000 - $19,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.25% 0.25%
Min Balance $0
Details Balance: $0 - $9,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Money Market Accounts 0.25% 0.25%
Min Balance $0
Details Balance: $0 - $9,999.99; Includes Regular and IRA
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Checking Rates

Product Rate APY View More
Reward Checking 0.60% 0.60%
Min Deposit $50
Min Balance $0
Details Balance: $0 - $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Reward Checking 0.25% 0.25%
Min Deposit $50
Min Balance $0
Details Balance: Over $25,000
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Reward Checking 0.10% 0.10%
Min Deposit $50
Details Requirements Not Met; Balance: null
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Mortgage Rates

Product Rate Points APR Term View More
USDA Mortgage 6.75% - 6.75%
Details Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
FHA Mortgage 6.88% - 6.88%
Details Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VA Mortgage 6.88% - 6.88%
Details Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC 6.00% - 6.00%
Details Interest rates shown are the lowest available rates and are subject to credit approval and underwriting guidelines. Actual rate and APR may vary based on creditworthiness, loan amount, loan-to-value ratio, occupancy, property type, and other factors. Adjustable-rate mortgage (ARM) rates and payments may increase after the initial fixed-rate period. HELOC rates may be variable. Membership eligibility required. Interest rates do not include closing costs, prepaid finance charges, escrow requirements, or other fees that may increase the APR. Equal Housing Lender. NMLS #411940
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Student Loan Rates

Product Rate Points APR Term View More
Private Student Loan - - 2.09%
Details Fixed Rate as low as 2.09% APR (with autopay ); Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
Private Student Loan - - 3.49%
Details Variable Rate as low as 3.49% APR (with autopay ); Borrow up to $120,000 in undergraduate student loan debt or $160,000 in graduate debt.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

United Credit Union Mexico, MO Credit Card Rates

Product Rate APR View More
VISA Platinum and Lifestyle Loan - 9.50%
Details Credit Score: 740+; Grade: A+
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VISA Platinum and Lifestyle Loan - 11.50%
Details Credit Score: 690-739; Grade: A
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VISA Platinum and Lifestyle Loan - 13.50%
Details Credit Score: 650-689; Grade: B
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VISA Platinum and Lifestyle Loan - 15.50%
Details Credit Score: 610-649; Grade: C
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VISA Platinum and Lifestyle Loan - 21.50%
Details Credit Score: 580-609; Grade: D
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%
VISA Platinum and Lifestyle Loan - 23.50%
Details Credit Score: 579 & LOWER; Grade: E
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.61%

Financial Health History

United Credit Union Mexico, MO’s Texas Ratio stayed near 1.79% in Q2 2023 to 1.61% 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.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.2% 4.0★ 5.5% 5.0★ Healthy zone – entire history below the 15% limit 1.79% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 1.61% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$304M1.61%5.0A+
December 31, 2025$293M1.61%5.0A+
September 30, 2025$303M1.38%5.0A+
June 30, 2025$305M1.56%5.0A+
March 31, 2025$298M1.51%5.0A+
December 31, 2024$277M2.85%5.0A+
September 30, 2024$269M2.70%5.0A+
June 30, 2024$274M3.74%5.0A+
March 31, 2024$275M3.42%5.0A+
December 31, 2023$273M4.10%5.0A+
September 30, 2023$277M2.02%5.0A+
June 30, 2023$286M1.79%5.0A+
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 United Credit Union Mexico, 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 United Credit Union Mexico, 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 United Credit Union Mexico, MO's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name United Credit Union Mexico, MO
Address 2401 Lakeview Rd, Mexico, MO 65265-1301
Phone 573-581-8651
Fax 573-581-1436
President Scott Lowe
CEO Brent Sadler
Full-Time Employees 95
Part-Time Employees 7
Branch Locations 7
ATM Locations 7
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
1.61%
Return on Assets (ROA)
0.2311%
Return on Equity (ROE)
1.5687%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
303,685,269
Total Amount of Shares and Deposits
256,839,147
Total Shares and Deposits < 1 Year
253,132,686
Total Shares and Deposits 1 3 Years
2,264,409
Total Shares and Deposits > 3 Years
1,442,052
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,742,847
Total Uninsured Shares and Deposits > $250K (F+J)
13,742,847
Total Insured Shares and Deposits > $250K (item 17 less item K)
243,096,300
Total Interest Expense (Sum of items 6 8)
360,488
Share Certificates
1,718
Number of Accounts for Share Drafts
22,220
IRA KEOGH Accounts
499
Number of Accounts for Regular Shares
34,791
All other shares
755
Money Market Shares
456
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)
53,628,837
Total Liabilities
261,846,247
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

United Credit Union Mexico, MO earned the Verified Healthy badge

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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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Customer Reviews

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Frequently Asked Questions About United Credit Union Mexico, MO

How many branches does United Credit Union Mexico, MO operate?

United Credit Union Mexico, 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 United Credit Union Mexico, MO?

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

Does United Credit Union Mexico, MO offer online and mobile banking?

Most modern institutions like United Credit Union Mexico, 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.unitedcu.org.

Current United Credit Union Mexico, MO Rates

  • 12-Month CD3.92%
  • 60-Month CD2.50%
  • MMA0.25%
Retrieved from our database of financial products. Rates subject to change.