Credit union · NCUA insured
Civic Central Credit Union
A $102.4M credit union headquartered in Jefferson City, MO, with 4,926 members and 1 branch in Missouri. Best rates: savings 0.50% APY.
Civic Central Credit Union Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#9 of 14 in Jefferson City, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Civic Central Credit Union
Chartered in 1939 as Employment Security Credit Union, Civic Central Credit Union was originally developed to serve employees of the Missouri Division of Employment Security.
The credit union serves federal, state, and local government employees, retirees, and their families across Cole, Boone, Callaway, Miller, Moniteau, and Osage counties.
- Headquarters
- 400 E Miller St, Jefferson City, MO 65101
- NCUA charter
- 62598
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Federal, state, and local government employees and retirees in Cole, Boone, Callaway, Miller, Moniteau, and Osage counties are eligible for membership.
Family and household
- Family members (spouse, child, sibling, parent, grandparent, grandchild, aunt, uncle, niece, nephew, first cousin, or legal guardian, including step, in-law, and legally adoptive relationships) of qualifying public servants are eligible for membership.
Branches
1 branch in Missouri
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Missouri
1 branch
- Civic Central Credit UnionMain office400 E Miller St, Jefferson City, MO 65101Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.48% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $51 | $76 | — |
- CapitalNet worth ratio13.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.48%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$51Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Civic Central Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.