Credit union · NCUA insured
District One Highway Credit Union
A $30.4M credit union headquartered in St. Joseph, MO, with 2,059 members and 1 branch in Missouri. Best rates: savings 0.60% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings810.60%at $1,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About District One Highway Credit Union
Founded in 1954, District One Highway Credit Union is a member-owned credit union headquartered in St. Joseph, Missouri.
- Headquarters
- 3011 N Belt Hwy Ste B, St. Joseph, MO 64506-1548
- NCUA charter
- 63420
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Full-time, permanent part-time employees, and retirees of MoDOT (Northwest District) and MSHP (Troop H) are eligible to join.
Family and household
- Immediate family members of eligible MoDOT (Northwest District) and MSHP (Troop H) employees and retirees are eligible to join.
Cost to join
- Members must establish and maintain a minimum share deposit of $25.00 (one full share) in a Share Account within one month of application.
Branches
1 branch in Missouri
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Missouri
1 branch
- District One Highway Credit UnionMain office3011 N Belt Hwy Ste B, St. Joseph, MO 64506Directions
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 | 18.78% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.21% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $29 | $59 | — |
- CapitalNet worth ratio18.78%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.21%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$29Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 District One Highway Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.